Preferred Interest checking

Earn Interest and Bank Smarter

Earn interest on your balance, keep your finances connected, and use built-in tools to track spending and set goals — all in one account.

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Account Costs

$10 or $0 monthly fee
How to Avoid the Fee
$50 Minimum to open account
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Earn While You Spend

Your everyday balance earns interest automatically — so your money keeps working, even while it’s within reach.

Everyday Banking Made Smarter

Smart checking isn’t just about earning interest. It’s about features that help you pay, plan, and access your money with ease.

Bank Anytime, Anywhere

Online and in-app tools give you 24/7 control of your account.

Get Paid Early

With direct deposit, you can opt in to get paid up to two days earlydisclosure 1. Turn it on when it works for you.

Automate Manual Payments

Schedule payments for bills that don’t pay themselves, stay on track, without constant check-ins.

Account Alerts

Stay in the loop with real-time updates on balances, card activity, transactions, deposits, and more.

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 2, You can send money to people you know and trust directly from Online and Mobile Banking, quickly and securely.

Lock Your Card

Lock or unlock your debit card whenever it’s misplaced, giving you fast protection and added peace of mind.
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.

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Direct Connect

Simplify your Tax Prep

Sync your transactions directly with Quicken®, QuickBooks®, or Microsoft Money to maintain accurate records and make tax time easier.

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.
Preferred Interest Checking

Grow Your Balance. Simplify Your Life.

Grow your money while keeping banking easy. Preferred Interest lets you earn interest, manage your spending, and stay on top of your goals.
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Learn

Feel Confident About Your Finances

Access insights and practical resources—from checking to saving, budgeting, and beyond—to guide every step of your financial journey.
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Disclosures and Information

  1. 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
  2. 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
  3. 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
  1. 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.