Compare Personal Checking Accounts Free Checking MyChoice Checking Preferred Interest World Checking Which account is right for you? You are looking for a basic checking account and access to basic Online Banking features. You are constantly on the go, receive a monthly direct deposit and use your debit card frequently. You keep a minimum balance of $1,000 and expect to earn interest at a competitive rate. Your spending is more complex than most, traveling often with high level spending amounts. Minimum to open $50 $50 $50 $50 Monthly Fee $0 Fee $3 Avoidable Fee† $10 Avoidable Fee†† $20 Avoidable Fee††† Free Transactions at Central Bank ATMs Statement Type eStatements* eStatements* eStatements* eStatements or paper ATM Refunds Outside Network** Access to Online & Mobile Banking+ Bill Pay Available for monthly fee FREE with eStatements FREE with eStatements FREE Can Earn Interest Pay a Person $0.50 per transaction^ FREE^ FREE^ FREE^ Sports Fan Upgrade Available Free Standard Checks, Stop Payments, Wire Transfers, and Notary Services To waive the monthly fee: †MyChoice Checking, you must receive electronic statements and one of the following: 1. Maintain a recurring direct deposit; 2. or, use your debit card at least 10 times for a point of sale transaction; 3. or, keep an average daily balance of at least $500; 4. or, set up a monthly transfer between MyChoice Checking and SaveUpSM Savings ††Preferred Interest Checking, you must have a daily balance of $1,000; or, average Daily balance of $2,000 during a monthly statement cycle †††World Checking, you must have a $15,000 average balance; or; $250,000 relationship banking; or $250,000 Central Investment Advisors or a Central Trust Company client *Paper statement available for a fee. See bank for details. **ATM Refunds: MyChoice Checking: Must submit the other bank’s ATM receipts to any teller or customer service representative within 60 days of a transaction. World Checking: The first four fees per statement cycle are auto-refunded. Refunds are reported as interest to the IRS. +Mobile carrier data and text rates may apply. ^There is a $2 fee for an immediate transfer.