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Clear Lake Bank & Trust

641.357.7121

Family in a kitchen

Checking Accounts

All accounts receive unlimited check writing, free notary services, free online banking, bill pay services, mobile app and bounce protection for qualified customers.

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Student Checking
*Age 23 and under
Simple Checking

Premium Checking
HSA/Health Savings Acct
Minimum opening deposit $25 $100
$100
$0
Account requirements
None
$50 minimum average collected balance.
$2,000 minimum daily balance in a checking or savings account.
See HSA brochure for complete details.
Monthly service charge if above
requirements not met
$0 $5
*Fee waived when account requirements above are met.
$15
*Fee waived when account requirements above are met.
$2
Fee cannot be waived for HSA accounts.
Interest bearing
No  No
Yes; accrues daily and paid monthly
Yes; accrues daily and paid monthly
Other features
  • FREE standard debit card or $10+tax (one time fee) for school spirit card.
  • FREE financial education events and activities.
  • FREE e-statements. $5+tax per month for paper statements.
  • FREE Mastercard Identity Theft Protection.
  • FREE standard debit card or $10+tax (one time fee) for school spirit card.
  • FREE e-statements. $5+tax per month for paper statements.
  • FREE Mastercard Identity Theft Protection.
  • $300 Bounce Protection.
  • 24 FREE personalized checks at account opening by request.
  • FREE standard debit card or $10+tax (one time fee) for school spirit card. 
  • FREE e-statements. $5+tax per month for statements. 
  • FREE* safe deposit box. 
  • FREE Mastercard Identity Theft Protection.
  • $1,000 Bounce Protection.
  • Clear Sailing Club Membership.
  • 24 FREE personalized checks at account opening by request. 
  • FREE personalized checks 
  • FREE standard debit card

Student checking accounts will automatically switch to a Simple Checking Account when the customer turns 24 and may incur fees based on the account requirements.  *Account is subject to a $5 monthly service fee that will be waived in the event the account holder meets a $50 minimum average collected balance.  *Account is subject to a $15 monthly service fee that will be waived in the event the account holder meets a $2,000 minimum daily balance. *Safe Deposit Box is free for the first year only and is not FDIC insured. 

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