MyChoice Checking
Checking That Starts With You — Smarter Banking, Your Way
Start your financial journey with an account designed just for you. MyChoice Checking is built to give you the freedom to manage your money without the usual costs, so you can focus on what really matters.
Account Costs
$5 or $0 monthly fee
How to Avoid the Fee
$50
Minimum to open account
Built for How You Bank
Flexible tools that make everyday banking easier and more in your control.
Bank Anytime, Anywhere
Online and in-app tools give you 24/7 control of your account.
Pay Your Way—Phone, Watch, or Card
Leave your wallet in your pocket and use your Central Bank Debit Mastercard® inside your digital wallet.
Mobile Deposit
Deposit checks safely and securely—anytime, anywhere. Just snap a photo and submit.
Lock Your Card
Lock or unlock your debit card whenever it’s misplaced, giving you fast protection and added peace of mind.
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.
Account Alerts
Stay in the loop with real-time updates on balances, card activity, transactions, deposits, and more.
Make Bill Payments Automatic
Not every bill comes with autopay. Schedule and send payments for those that don’t, so you can keep everything on track and focus on what matters most—free when enrolled in eStatements.
Make Payday Work for You
Choose to receive your paycheck up to 2 days earlydisclosure 2 with direct deposit. It’s your money — you decide how it arrives.
Banking That Fits Your Life
Banking made to keep up with you, giving you freedom, choice, and control over your money.
Convenient Branches
170+ locations across multiple states make in-person banking simple.
Nationwide ATM Access
Withdraw cash without fees at our ATMs or 40,000+ MoneyPass® locations, and we’ll reimburse other ATM feesdisclosure 3 if no surcharge-free ATMs are nearby.
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.
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.
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.
Know What’s Coming
See what’s on the way, from paychecks to bills, and get alerts if your balance might run low.
Track Spending
Easily search and filter transactions by account, month, or category so you always know where your money is going.
Spot Trends
View simple charts of your spending habits, making it easier to notice patterns and adjust if you need to.
Stick to Your Budget
Set a budget that works for you, track your progress, and get friendly reminders to help you stay on track.
Build Savings with Everyday Spending
If you also have a SaveUp savings account with us, you can round up debit purchases or choose a set amount to move into savings with every transaction—making it easier to build savings without changing how you spend.
Built to Make Everyday Banking Easier
From paying bills and managing cards to accessing your money anytime, MyChoice Checking gives you simple tools that fit how you bank—so staying on top of your finances feels effortless.
Disclosures and Information
-
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
-
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
-
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
-
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.
