Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
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.

Swipe to view more


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 personalized checks at account opening upon request.
  • 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. 

Open Account Open Account Open Account See Brochure