Personal Checking

Open an Account and Get $300disclosure 1

Step 1: Open any eligible checking account online or at your local branch using promo code DREAM.

Step 2: Set up at least two direct deposits totaling $800 or more within the first 90 days.

Step 3: Minimum balance of $50.00 required 90 days after account opening. Once you meet all the requirements, you’ll automatically receive $300disclosure 1 .

Testimonials

Real Stories. Real Reasons to Switch.

Still deciding? See why others are making the switch to Central Bank.
  • The greatest customer service
    The greatest customer service. Makes you feel you are part of the family. Blessed to do business with them!
    Von O.
    Google Review
  • Always been my bank of choice...
    Always been my bank of choice, loans. savings, checking etc. Has always met my needs.
    Mark S
    Google Review
  • ...they have always had my back
    Been here since 2014 and they have always had my back.
    Shirley S
    Google Review
  • Amazing bank, amazing people!
    Amazing bank, amazing people! Customer service is second to none. Would highly recommend to anyone looking for a new bank.
    Johne M
    Google Review
  • Great customer service...
    Great customer service - I had charges that were posted to my account that were fraudulent and they took care of it with professionalism.
    Adam W
    Google Review
  • Staff is always friendly...
    Staff is always friendly very efficient and always greet you with a smile as well as they have awesome bonuses for banking with them.
    Carrie C
    Google Review
  • A great bank to do business with
    I have had several loans with Central Bank and I plan to have several more. A great bank to do business with.
    Steve S.
    Google Review
  • We've used Central Bank for more than 50 years...
    We've used Central Bank for more than 50 years and any time we have had a question or problem, they ALWAYS take care of it. We won't bank any place else.
    Donna D
    Google Review
Checking Accounts

Choose One of Our Accounts to Get Your $300

MyChoice Checking

Most popular

A great choice whether you're a student looking to start your financial journey, or you are established and looking for benefits that fit your lifestyle.

$5 or $0 monthly feedisclosure 2

  • Free Automated Bill Payment Service with eStatements
  • Out-of-Network ATM fee refunds
  • Free for anyone under 25

MaxMoney® Checking

Most perks

Go above and beyond your typical checking account! Enjoy extra security, resources, and savings to help you maximize your money.

$9.95 monthly fee

Preferred Interest Checking

Flexible banking, competitive interest rates, and convenience all with one account.

$10 or $0 monthly feedisclosure 6

  • Earns Interest
  • Integrates with Quicken
  • Out-of-Network ATM fee Refunds
  • Free Automated Bill Payment Service with eStatements

World Checking

VIP benefits

Receive first-rate customer service, access to exclusive services, and a premium rate on your account.

$20 or $0 monthly feedisclosure 7

Free Features with Every Account:

Person to Person Payments

Instant Person to Person Payments

Use Zelle® to send money to friends and family right from Online and Mobile Banking! It's fast, safe, and easy!

Mobile Check Deposit

Mobile Check Deposit

Safely, securely, and save time by depositing checks from anywhere! Using your phone's camera, just snap and submit!

More Ways to Pay

More Ways to Pay

Leave your wallet in your pocket and use your Central Bank Debit Mastercard® inside your digital wallet.

Never be Surprised by a Subscription

Your Budget, Made Smarter

Track spending, manage subscriptions, set goals, and visualize your finances—all in one place with our personalized Money Manager tool.

Get Alerted When and How You Want

Get Alerted When and How You Want

Never miss a beat with your account! Stay up to date on balances, card activity, transactions, deposits, and more!

Bank on the Go

Bank on the Go

Securely and easily manage your accounts! Access features like Card Lock, eStatements and Tax Documents, enable RoundUp, and more!

Get Answers to Common Checking Account Questions

How do I qualify for the $300disclosure 1 bonus?
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Open any personal checking account (except Free Checking). Set up at least two direct deposits totaling $800 or more within the first 90 days. Minimum balance of $50.00 required 90 days after account opening and you're all set! New checking customers only.

What do I need to open a checking account online?
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To open a checking account online, you'll need:

  • A valid form of ID (Driver's License, State ID, or Passport)
  • Your personal information (name, address, date of birth, and Social Security number)
  • Your contact information (phone number and email)
  • An opening deposit of at least $50
How do I set up direct deposit?
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We make it simple! Just give your employer your new account number and our routing number. Click here for more details.

Can I use the mobile app to deposit checks?
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Mobile Check Deposit is a free feature in the Central Bank Mobile App. Just snap a photo of the front and back of your endorsed check and deposit it securely from your smartphone or tablet anytime, anywhere. Most personal, business, cashier's, and government checks are accepted. Daily and monthly limits may apply. Deposits made before the daily cutoff on a business day are usually available the next business day.

Are there any ATM fees?
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You won't pay a fee when you use a Central Bank ATM or any of the 30,000+ fee-free ATMs nationwide through the MoneyPass® network.

  1. To receive the $300 checking bonus, open and maintain any personal checking account except Free Checking. Deposit $50 or more at account opening; and have at least two or more direct deposits with a cumulative total of $800 within 90 days of account opening. Minimum balance of $50.00 required 90 days after account opening to receive bonus. Qualifying types of Direct Deposits include any direct deposit from Payroll, Pension or Government Benefit. Bonuses are reported to the IRS as interest. Bonuses will be deposited into the checking account within 15 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days. Available to new checking account customers only. Offer is not available to those whose accounts have been closed with a negative balance within the last 2 years. You will receive only one new checking account opening related bonus every two years from the last date incentive was paid. Only one bonus per household. Customer must bring in mailer or use offer code to receive incentive. Offer may only be redeemed by the intended recipient and is nontransferable. Eligibility for this offer will be verified prior to providing the bonus. The new checking account must be open and in good standing on the date any earned bonus is paid. We reserve the right not to open accounts for customers outside our market area. Please contact us for further details. Checking account promotion ends 12/31/2025.   Back to content
  2. To avoid the monthly fee - you must receive electronic statements and one of the following:

    • The primary account holder is under the age of 25; or
      • Requirements to avoid the monthly maintenance fee will be effective the statement cycle following the primary account holder’s 25th birthday.
    • Maintain a minimum daily balance of $2,500.00 per statement cycle; or
    • Maintain a recurring cumulative direct deposit of $500.00 per statement cycle; or
    • Use your debit card at least 20 times for a point of sale (POS) transaction (transaction only counts if it has posted to the account during the monthly cycle); or
    • You can also waive your monthly maintenance fee by maintaining $25,000.00 average daily balance in all deposit accounts. (Checking, Savings, Money Market, or Certificate of Deposit).
    Back to content
  3. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Back to content
  4. Registration/activation required. Back to content
  5. Available via mobile or web only. Back to content
  6. To avoid the monthly fee - you must do one of the following:
    • Maintain a minimum daily balance of $5,000.00 for the monthly statement cycle; or
    • Maintain $25,000.00 average daily balance in all deposit accounts for the statement cycle. (Checking, Savings, Money Market, or Certificate of Deposit).

    Paper statements are available for a fee of $3.00 per statement cycle. Back to content

  7. To avoid the monthly fee - you must have a $15,000.00 average daily balance; or; maintain an average daily balance of $250,000.00 or greater in all deposit accounts during a monthly cycle; a $250,000.00 Central Investment Advisors relationship or be a Central Trust Company client. Back to content
  8. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency. Not a deposit of or guaranteed by the bank or any bank affiliate. Back to content

Zelle is intended for sending money to family, friends and people you are familiar with. We recommend that you not use Zelle to send money to anyone you don’t know. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

This card is issued by The Central Trust Bank pursuant to a license by Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Subject to credit approval.