Preferred Interest Checking
If you keep a greater balance and expect to earn interest at a competitive rate, the Preferred Interest Checking Account is the account for you.
Call us today at (866) 236-8744 or stop by any Central Bank location to learn more.
With free access to Online Banking and the convenience of the Central Bank Mobile App¹, you can manage your money on your terms – no matter where you are in your financial life.
- Use your free Debit Mastercard® with free transactions at any Central Bank ATM
- View your statements and tax documents online, 24/7, for up to seven years
- Manage your accounts in Online Banking and the free Central Bank App¹
- Pay your bills electronically with Online or Mobile Bill Pay¹
- Deposit checks with Mobile Check Deposit via the Central Bank App¹
- Track your spending, set budgets, create goals, and more with Money Manager, our online budgeting and saving tool
- Integrate your accounts to Quicken® and simplify tax preparation with Direct Connect
- Early Direct Deposit - Get paid up to two days earlierdisclosure 2 with Early Direct Deposit.
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.
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Mobile carrier data and text rates may apply. Back to content
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Early Direct Deposit applies to eligible personal checking accounts. Eligible personal checking accounts include: MaxMoney, MyChoice, World, World Elite, and Preferred Interest. If your account changes to a non-eligible account, you may lose access to the Early Direct Deposit Service.
You can typically expect to receive qualifying Direct Deposits that come through ACH (Automated Clearing House) up to 2 days earlier than their scheduled payment date. Examples of Direct Deposits that may qualify include payroll, pension, and government benefits. Other deposits or credits to your account, such as person-to-person payments, checks or mobile deposits, and other electronic credits are not eligible for Early Direct Deposit.
Enrollment may be done by any account owner, and Early Direct Deposit Services may apply to all qualifying deposits made into the account.
Early Deposit availability may vary by deposit. Receiving your deposit early one time does not guarantee you will receive it early again. Early deposit can depend on;
When we receive payment instructions from the payor,
Any limitations that we place on early availability (such as the amount, payer, etc.) which we may change at any time without notice,
Any standard fraud prevention screening, and
Any other unforeseen circumstances the Bank may encounter.Any credit issued to you by the bank as a result of an ACH credit entry is provisional and subject to final payment instructions from the employer. Likewise, any ACH credit entry we provide to you remains provisional until we receive final payment. If we determine, based on satisfactory documentation, that a credit entry was made in error or for an incorrect amount, we reserve the right to debit your account for the improperly credited amount. In the event of insufficient funds, you agree to reimburse us accordingly.
Central Bank may unenroll you without notice or reason at any time at our discretion.You may change your enrollment status at any time. 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.
