Checking Accounts

You spend money in different ways for different needs every day. Why shouldn’t the way you save and store money be different too?

Central Bank understands that your needs are diverse; we have a variety of personal banking products and services to create a customized solution based on your financial needs. And it all starts with a checking account. Diversify your finances. Open your new checking account online or at one of our convenient locations.

Open Your Account Online

Not sure which account is right for you? Take a moment to answer a few questions for your personalized recommendation.

Compare Personal Checking Accounts

  MyChoice CheckingOpen Now MaxMoney CheckingOpen Now Preferred InterestOpen Now World CheckingOpen Now
Which account is right for you?
You are constantly on the go, receive a monthly direct deposit and use your debit card frequently. You want a checking account with perks - security, savings, and much more! You keep a minimum balance of $1,000 and expect to earn interest at a competitive rate. Your spending is more complex than most, traveling often with high level spending amounts.
Minimum to open
$50 $50 $50 $50
Monthly Fee+
$3 Avoidable Fee $8.95 $10 Avoidable Fee $20 Avoidable Fee
Free Transactions at Central Bank ATMs
       
ATM Refunds outside of Central Bank ATMs**
       
Free Checks & Money Orders
       
Credit File Monitoring1
       
Access to Credit Score2 & Reports2
       
Bill Pay
FREE with eStatements   FREE with eStatements FREE with eStatements FREE
Earns Interest
       
Zelle®^
FREE FREE FREE FREE
Sports Fan Upgrade Available
       
Cell Phone Protection3
       
$hopping Rewards™2 and Cash Back Member Rewards2
       

+To waive the monthly fee:
MyChoice Checking, you must receive electronic statements and one of the following:
Maintain a recurring direct deposit;
or, use your debit card at least 10 times for a point of sale transaction;
or, keep an average daily balance of at least $500;
or, set up a monthly recurring transfer from MyChoice Checking to SaveUp℠ Savings
Preferred Interest Checking, you must have a daily balance of $1,000; or, average daily balance of $2,000 during a monthly statement cycle
World Checking, you must have a $15,000 average balance; or; $250,000 relationship banking; or $250,000 Central Investment Advisors or a Central Trust Company client.

**ATM Refunds:
MyChoice Checking and MaxMoney Checking: Must submit the other bank’s ATM receipts to any teller or customer service representative within 60 days of a transaction.
World Checking: The first four fees per statement cycle are auto-refunded.

^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.
1Credit file monitoring may take several days to begin following activation.
2Registration/Activation Required
3Cell Phone Bill must be paid through your MaxMoney Account.

 

 

Personal Checking Comparison

  • $50 Minimum to Open
  • $3 Avoidable Fee+
  • Free Transactions at Central Bank ATMs
  • ATM Refunds outside of Central Bank ATMs**
  • Bill Pay FREE with eStatements
  • Zelle® FREE^
  • Sports Fan Upgrade Available

 

Open Now

  • $50 Minimum to Open
  • $8.95 Monthly Fee
  • Free Transactions at Central Bank ATMs
  • ATM Refunds outside of Central Bank ATMs**
  • Free Checks & Money Orders
  • Credit File Monitoring1
  • Access to Credit Score2 & Reports2
  • Bill Pay FREE with eStatements
  • Zelle® FREE^
  • Sports Fan Upgrade Available
  • Cell Phone Protection3
  • $hopping Rewards™2 and Cash Back Member Rewards2

 

Open Now

  • $50 Minimum to Open
  • Monthly $10 Avoidable Fee††
  • Free Transactions at Central Bank ATMs
  • Bill Pay FREE with eStatements
  • Earns Interest
  • Zelle® FREE^
  • Sports Fan Upgrade Available

 

Open Now

  • $50 Minimum to Open
  • Monthly $20 Avoidable Fee†††
  • Free Transactions at Central Bank ATMs
  • ATM Refunds outside of Central Bank ATMs**
  • Free Checks & Money Orders
  • Credit File Monitoring1
  • Access to Credit Score2 & Reports2
  • Bill Pay FREE
  • Earns Interest
  • Zelle® FREE^

 

Open Now