Free checking
A Starter Account with all the Basics
A simple checking account with no maintenance fee. Just what you need to manage your money.
Account Costs
No maintenance fee
$50
Minimum to open account
A Few Things to Know
This account doesn’t charge a monthly maintenance fee, which means a few features are limited or available for a fee.
Check Writing
Limit of three checks posted per monthly statement cycle.
Automatic Bill Payments
Turn manual bills into automatic payments for $5.95/month.
Paper Statements
Mailed paper statements available for $3/month; eStatements are free.
Fast, Flexible Banking
Everything you need to bank on your schedule, with fast, secure, and flexible tools to manage money anytime, anywhere.
Bank Anytime, Anywhere
Online and in-app tools give you 24/7 control of your account.
Mobile Deposit
Deposit checks safely and securely—anytime, anywhere. Just snap a photo and submit.
Pay Your Way—Phone, Watch, or Card
Leave your wallet in your pocket and use your Central Bank Debit Mastercard® inside your digital wallet.
Send Money Quickly
With Zelle®disclosure 1, You can send money to people you know and trust directly from Online and Mobile Banking, quickly and securely.
Banking That Just Works
No minimums, no maintenance fees, and full FDIC protection. Enjoy simple, stress-free banking backed by a company consistently recognized by Forbes as one of America’s best banks, making your money—and your banking experience—easier every day.
Show off Your Style or Team Spirit
Choose from a variety of debit card designs, with select layouts in horizontal or vertical formats — plus sports team cards, some offering exclusive perks.
Control Your Money with Confidence
Access your money safely and confidently with fast, secure tools to stay informed, protect your card, and bank wherever you need.
Convenient Branches
170+ locations across multiple states make in-person banking simple.
ATM Access Near You
Access 40,000+ ATMs with no surcharge through the MoneyPass® network.
Account Alerts
Stay in the loop with real-time updates on balances, card activity, transactions, deposits, and more.
Lock Your Card
Lock or unlock your debit card whenever it’s misplaced, giving you fast protection and added peace of mind.
Overdraft Options
Choose how your account handles transactions when funds are low.
Online Statements
View and download up to seven years of statements securely online—simple and convenient.
Money Manager
See the Big Picture of Your Finances
Track your spending, subscriptions, and goals with minimal setup. Automated tracking and personalized insights bring everything together—link external accounts for a complete picture.
Compare accounts
Explore Your Options
Our other accounts include perks you won’t find in this account, with most checking account options we offer having a monthly maintenance fee that can be avoided.
Get Paid Early
Set up direct deposit and access your paycheck up to two days soonerdisclosure 2 — no waiting around for your money.
Earn Interest
Grow your balance while you spend. Certain accounts reward you with interest on the money you keep in checking.
Smart Safeguards
Monitor your personal info online, get alerts for suspicious activity, and enjoy phone protection for extra peace of mind.
Travel Smarter
Pay less when you use your debit card abroad, with lower international fees that help your money go further.
Free Checking
Get Started with Simple, Hassle-Free Banking Today
Disclosures and Information
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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
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Early availability is not guaranteed and may vary between deposits and may depend on instructions sent by the payer or any limitations we set. Not all direct deposits qualify. Available for eligible accounts: MaxMoney, MyChoice, World, World Elite, and Preferred Interest. Enrollment is required. See our Early Direct Deposit Agreement for more details.Back to content
