MyChoice Checking

MyChoice Checking is the perfect checking account for you if you’re constantly on the go, use your debit card frequently, and prefer to access and manage your accounts online.

Open Your Account Online

Call us today at (866) 236-8744 or stop by any Central Bank location to learn more.

Whether you’re a student just starting out or just need an everyday account, MyChoice Checking makes it easy to manage your money online — and you can have it at no cost with simple requirements  3. With Online Banking and our Mobile App 1, your checking stays hassle-free wherever life takes you.

 

Tools to Make your Banking Life Easier

  • Free Debit Mastercard® - Free transactions at any Central Bank ATM. Used an out-of-network ATM? Fees are refunded if you use an ATM outside Central Bank’s network.²
  • Account Alerts - Easily stay informed on your account. Set up alerts to know any time your card is used, reaches a certain balance, set spending limit notifications, and more.
  • Mobile Banking App¹ - We built this app to help you easily check balances, securely transfer money with people you know using Zelle®, and quickly stay updated on your account.
  • Money Manager – Easily create a budget and see a full view of where your money is going. Plus, receive text alerts¹ or emails to keep your money goals on track.
  • Mobile Check Deposit– Received a check? Quickly and securely deposit it from your smartphone with just a snap!
  • View Documents Online - View your statements and tax documents online, anytime, for up to seven years.


Free Sports Fan Package

Love the St. Louis Cardinals, Mizzou Tigers, Sporting KC, or KU Jayhawks?! Rep your favorite team with a sports fan package on your new account. Select which sports card you want during the account opening process.

Cardinals Debit Card

Tigers Debit Card

Sporting KC Debit Card

Jayhawk Debit Card

  1. Mobile carrier data and text rates may apply. Back to content
  2. 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. Back to content
  3. 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 with the same primary account holder (Checking, Savings, Money Market, or Certificate of Deposit) for the statement cycle.

    The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Back to content

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.