MyChoice Checking
An Account Built for Students
A checking account designed for students under 25—no monthly fees when enrolled in eStatements and tools to manage, spend, and move money easily.
Account Costs
$5 or $0 monthly fee
How to Avoid the Fee
$50
Minimum Opening Deposit
Banking That Fits Your Life
Manage your money on your schedule, with tools that make paying, depositing, and staying in control effortless.
Bank Anytime, Anywhere
Online and in-app tools give you 24/7 access to 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.
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.
Zelle
Pay Friends and Family Quickly
Use Zelledisclosure 1 to send money to friends and family right from Online and Mobile Banking! It’s fast, safe, and easy!
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.
Locations
Nationwide Convenience at Your Fingertips
Wherever life takes you, you’ll have access to over 40,000 ATMs and a network of branch locations across multiple states.
Stay in the Game, Pay Bills Automatically
Set up automatic payments for regular, fixed bills—like rent, internet, or subscriptions—so you can spend less time worrying and more time doing what you enjoy. This service is free when you’re enrolled in eStatements.
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.
Extra Control When You Need It
Tools that help you stay secure, avoid surprises, and handle the unexpected.
Lock Your Card
Lock or unlock your debit card whenever it’s misplaced, giving you fast protection and added peace of mind.
Get Paid Early
With direct deposit, you can opt in to get paid up to two days earlydisclosure 2. Turn it on when it works for you.
Overdraft Options
Choose how your account handles transactions when funds are low.
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.
Smarter Banking That Grows With You
Manage everyday money with tools that make banking easier now and support you as your goals, plans, and priorities grow.
Learn
Know More, Worry Less About Your Money
Explore our comprehensive collection of articles covering everything you need to know about checking accounts.
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Budget and SaveDiscover essential steps to enhance your banking experience and manage your money effectively. Learn the steps to take after opening a new bank account.Article | 2:27 min readBudget and Save
Disclosures and Information
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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
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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
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Cards 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. All other trademarks, indicia and copyrights used by permission with all rights reserved by the licensing institutions.
