Ready to Bank Local? Get Started With $300¹!

Use offer code: LOCAL

Open your new checking account and have two or more qualifying direct deposits with a cumulative total of $250 within the first 90 days of account opening. Then, enjoy $300!


MyChoice Checking

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.


MaxMoney Checking

Go above and beyond your typical checking account! Enjoy extra security, resources, and savings to help you maximize your money. disclosure 5

  • $9.95 monthly fee

World Checking

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


Preferred Interest Checking

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

The Easy Way to Manage Your Finances

Located Near You

Come visit with our friendly staff at any convenient location.

ATMs Everywhere

Access more than 37,000  ATMs nationwide. Visiting after hours? Use a Video Teller Machines!

More Ways to Save Money

Enjoy free tools like RoundUp and Money Manager to help you save and budget your money.

Sports Fan?! Sport-ify your Home Screen

Use the Central Bank Home Screen Widget to quickly access popular features - cards, transfers, mobile check deposit, and Zelle;³ – you can manage your new checking account even easier!

Plus, rep your team from your home screen – choose from the Missouri Tigers, St. Louis Cardinals, Kansas Jayhawks, or Sporting KC design!

An Easier Way to Keep up with your Money

Access your account from anywhere, anytime, and stay on top of your finances while enjoying your favorite activities with the Central Bank Mobile App!

Whether you’re at your child’s soccer game, or grocery shopping online, it’s convenient and flexible to stay up to date on your account from anywhere.

Download the Central Bank Mobile App² using the below links.

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Google Store

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Apple App Store

Tools to Make Banking Easier


Located Wherever You Need

Whether you want to do all your banking from your phone, or want to stop in and say "hi", we're ready to serve you!

Find the Right Account for You

  1. To receive the $300 checking bonus, open and maintain any personal checking account except Free Checking. Free Checking is not an eligible checking account. Deposit $50 or more at account opening; and have at least two or more direct deposits with a cumulative total of $250 within 90 days of account opening. No minimum balance required for 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 up to and including the date any earned bonus is paid in order to receive the bonus. We reserve the right to not open accounts for customers outside our market area. Please contact us for further details. Checking account promotion ends 12/31/2024. Back to content
  2. Mobile carrier data and text rates may apply. Back to content
  3. 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. Back to content
  4. MyChoice Checking: To avoid the monthly fee - you must receive electronic statements and one of the following:
    • Maintain a minimum daily balance of $2500.00 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
    • The primary account holder is under the age of 25.
      • Requirements to avoid the monthly maintenance fee will be effective the statement cycle following the primary account holder’s 25th birthday.

    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).

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  5. MaxMoney Checking: Must submit the other bank’s ATM receipts to any teller or customer service representative within 60 days of a transaction. ATM refund will be limited to $10 per receipt with a maximum of $25 per statement cycle.

    Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.

    Additional terms, conditions and exclusions apply and are subject to change.

    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.

    Available via mobile or web only.

    You will have access to your credit report and core provided your information has been verified by the CR

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  6. World Checking: To avoid the monthly fee - you must have a $15,000 average balance; or; $250,000 private banking relationship; a $250,000 Central Investment Advisors relationship or be a Central Trust Company client. Back to content
  7. Preferred Interest Checking: To avoid the monthly fee - you must have a 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). Back to content

Cards are issued by The Central Trust Bank pursuant to a license by Mastercard International Incorporated.