Checking Account Options
To make sure you choose the checking account that delivers the most benefits for you, talk to your Central Banker.
To find Visa® ATM locations worldwide, use the Visa ATM locator.
Personal Checking Accounts
Today, your checking account is more than a checkbook. It’s the central financial tool that must dependably and securely accommodate your purchasing needs in person, online and over any mobile device.
Account Features
Central Bank offers a range of checking accounts to fit all the stages of your financial life. But no matter which account you choose, they all include these powerful and convenient features:
Visa® Debit Card featuring uChoose Rewards®11
eBanking including CentralNET with Bill Pay, eStatements and CentralMOBILE with Mobile Deposit
Cards feature within CentralNET and CentralMOBILE that lets you control when and how your Central Bank Debit Card is used
Ability to open new eligible accounts online or at any banking center
Consumer loan discounts of .50% for auto-deducted payments from Central Bank checking or savings accounts are available on certain consumer loan products. Contact your Central Banker for details
Key Benefits
Unlimited free withdrawals at Central Bank ATMs
One checking overdraft fee will be waived upon request. The request must be made
within 30 days of the overdraft, and the fee will be credited to the account. Limit one
request per account.A 50% discount on selected styles of checks if you are 55 or older
Minimum Opening Deposit
$10
Maximum Opening Deposit
The maximum opening deposit for online accounts is $10,000
Monthly Maintenance Fee
None if you have direct deposit totaling $500 or more per statement cycle or if you select to receive eStatements.1 Otherwise, it’s $6.2 If the account becomes inactive for six months or more, there is a dormant fee of $5 per month.
Online Application
Key Benefits
Unlimited free withdrawals at Central Bank ATMs
One checking overdraft fee will be waived upon request. The request must be made
within 30 days of the overdraft, and the fee will be credited to the account. Limit one
request per account.A 50% discount on selected styles of checks if you are 55 or older
Minimum Opening Deposit
$10
Maximum Opening Deposit
The maximum opening deposit for online accounts is $10,000
Monthly Maintenance Fee
None if you have direct deposit totaling $500 or more per statement cycle or if you select to receive eStatements.1 Otherwise, it’s $6.2 If the account becomes inactive for six months or more, there is a dormant fee of $5 per month.
Online Application
Key Benefits
A 50% discount on select styles of checks if you are 55 or older
Minimum Opening Deposit
$10
Maximum Opening Deposit
The maximum opening deposit for online accounts is $10,000
Monthly Maintenance Fee
None with a minimum daily balance of $500 or a minimum daily balance of $5,000 in all linked deposit accounts. Restrictions apply. Contact your Central Banker about linking account balances for this purpose. Otherwise, it’s $82,3.
Online Application
Key Benefits
Interest on your checking balances.4
50% off personal checks.5
Minimum Opening Deposit
$10
Maximum Opening Deposit
The maximum opening deposit for online accounts is $10,000
Monthly Maintenance Fee
None if you maintain a minimum daily balance of $1,000 or a minimum daily balance of $10,000 in all linked deposit accounts. Restrictions apply. Contact your Central Banker about linking account balances for this purpose. Otherwise, it’s $10.2,3
Key Benefits
Rebatable ATM fees6
Premium interest on your checking balances7
50% off personal checks5
Free notary service
Free Guaranteed Checking transfers from your deposit account8
Minimum Opening Deposit
$10
Maximum Opening Deposit
The maximum opening deposit for online accounts is $10,000
Monthly Maintenance Fee
None if you maintain a minimum daily balance of $10,000 or a minimum daily balance of $25,000 in all linked deposit accounts. Restrictions apply. Contact your Central Banker about linking account balances for this purpose. Otherwise, it’s $15.2,3
Description
Introducing Central Student Checking – our option for students ages 14–25.
With free online and mobile banking, no ATM fees, and convenient features like remote deposit, it’s the gentlest nudge from the nest you can give. A Student Checking Account can be opened at any of our convenient locations.
Key Benefits
Visa® debit card for use worldwide, wherever Visa is accepted.
Rebatable ATM fees.6
Free CentralNET1 online banking.
Free online bill payment services.
Free mobile banking.
Free eStatements when you enroll in CentralNET online banking and eStatements.
You will receive a 50% discount on any mini-pack of checks. (These books contain 25 checks.)
Select Guaranteed Checking Service to link another account for transfers to cover occasional overdrafts. You have the option to link a Central Bank deposit account or credit card account for this purpose. Fees apply for these transfers.2,9
Combined statements can provide activity summary of all accounts on one statement.
Receive a consumer loan discount of .50% for auto-deduct payments from a deposit account.
Offered to students ages 14–25. Account must be opened with a parent or legal guardian if the student is under the age of 18. Students will also need a government-issued photo ID to open the account regardless of age.
The account will convert to Central Bank’s Bleed Blue Checking Account the fifth business day of the calendar month following the student’s 25th birthday. You may select another account type before the account conversion takes place. Prior to account conversion, you will receive the account disclosures that will apply to your new account.
Minimum Opening Deposit
$10
Maximum Opening Deposit
The maximum opening deposit for online accounts is $10,000
Monthly Maintenance Fee
None if you receive eStatements through CentralNET.1 Otherwise, it's $4.2 If the account becomes inactive for six months or more, there is a dormant fee of $5 per month.
Courtesy Coverage
Central Student Checking accounts are not eligible for Courtesy Coverage. Courtesy Coverage is a noncontractual service provided by Central Bank to provide checking account overdraft protection for consumer demand deposit accounts.
Online Application
No
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Features
If your account is in good standing after 12 months, you may request a different checking account.
Minimum Opening Deposit
$10
Monthly Maintenance Fee
$8 if you have direct deposits during the statement cycle. Otherwise, it’s $10.2
Online Application
No
Get started
Specifics
Get cash, transfer funds or check account balances from ATMs
Use anywhere Visa debit cards are accepted
Sign up for alerts – we’ll contact you if a debit card purchase or ATM withdrawal exceeds a limit you’ve set12
Enhanced Personal Identification Number (PIN) security – we restrict access after an excessive number of invalid PIN attempts
You can also register to be rewarded with points every time you use your Central Bank debit card to make a purchase. If you want to earn points, you must register for uChoose Rewards®11 at uchooserewards.com to earn points that can be redeemed for cash back, gift cards, merchandise, travel and more.
The Cards feature within CentralNET and CentralMOBILE lets you control when and how your Central Bank Debit Card is used. Additionally, Cards allows you to set up alerts based on spend limit and merchant type. It also gives you the ability to turn your card off and on in the event it is lost or temporarily misplaced.
Real-time fraud monitoring – we may contact you if a debit card transaction is out of character for your normal spending habits
Visa Zero Liability Fraud Protection safeguards your card or card number if either is lost or stolen
Select and change your PIN anytime by calling 1-800-992-3808
Visa Account Updater
This service may automatically update your card expiration date or replacement card number for participating merchants who maintain your card information on file for recurring purchases or payments. This service is free. For more information or to opt out, contact us.
Get started.
Call to learn more.