Switch to Us and Get Up to $800disclosure 1!

  1. Open any eligible checking account, and have:
  2. A $50 minimum balance and two or more direct deposits 90 days after account opening totaling:
    • $800 to $9,999.99 to earn the $300
    • or $10,000 or more to earn the $800 bonus.

Promo Code: STEP

Open a Checking Account

Services you Need, Technology you Expect

We get it, you need a bank that helps you make your life easier.

  • Flexible Account Options:  Choose from a range of checking accounts that align with your lifestyle, whether you’re a student, a busy professional, or enjoying retirement.
  • Fee Transparency: No hidden fees—just straightforward terms so you know exactly what to expect.
  • More Than 30,000 ATMs Nationwide: No matter where you go, conveniently access fee-free ATMs through the MoneyPass network.
  • Custom Mobile App: Access your account anytime, anywhere. Check balances, transfer funds, pay bills, and deposit checks – built in-house just for you!
  • Greenlight: Central Bank customers enjoy a free subscription to Greenlight, the money and safety app built with families in mind, and designed for kids of all ages.

Get Personal with Your Finances

Insights are a new way to stay in the know with your finances. Personalized to you, these data-driven pieces of information will let you know about deposits to your account, notify you of upcoming subscription renewals, keep you informed of suspicious transactions, and so much more.
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Dreaming of a Financial Tool for Your Kids?

Central Bank customers enjoy a freedisclosure 2 subscription to Greenlight, the money and safety app built with families in mind, and designed for kids of all ages.

With Greenlight’s debit card and app, parents can pay allowance, assign chores, and help their kids learn to earn, save, spend wisely, and invest.

The Mobile App, Built for You

We designed this app with you in mind! Manage your account – view activity, make transfers, deposit checks, send Money with Zelle®disclosure 3, lock your card, and more!

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It's Time to Start Banking Better

Open your account online or come see us at any convenient location. We can't wait to get to know you!

Open Account

  1. To receive a bonus, you must: (1) open and maintain any personal checking account except Free Checking. (2) Deposit $50 or more at account opening, and (3) have at least two or more direct deposits within 90 days of account opening that total; $800 to $9,999.99 to earn the $300 bonus or $10,000 or more to earn the $800 bonus. Minimum balance of $50 required 90 days after account opening to receive bonus. Qualifying types of Direct Deposits include any direct deposit from Payroll, Pension or Government Benefit. Bonuses are reported to the IRS as interest. Bonuses will be deposited into the checking account within 15 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days. Available to new checking account customers only. Offer is not available to those whose accounts have been closed with a negative balance within the last 2 years. You will receive only one new checking account opening related bonus every two years from the last date incentive was paid. Only one bonus per household. Customer must bring in mailer or use offer code to receive incentive. Offer may only be redeemed by the intended recipient and is nontransferable. Eligibility for this offer will be verified prior to providing the bonus. The new checking account must be open and in good standing on the date any earned bonus is paid. We reserve the right not to open accounts for customers outside our market area. Please contact us for further details. Promotion ends 12/31/2025. Back to content
  2. Central Bank customers are eligible for the Greenlight SELECT plan at no cost when they connect their Central Bank account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 07/08/2026. Offer subject to change and partner participation. Back to content
  3. 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
  4. MyChoice Checking: To avoid the monthly fee - you must receive electronic statements and one of the following:
    • Maintain a minimum daily balance of $2500.00 per statement cycle; or
    • Maintain a recurring cumulative direct deposit of $500.00 per statement cycle; or
    • Use your debit card at least 20 times for a point of sale (POS) transaction (transaction only counts if it has posted to the account during the monthly cycle; or
    • The primary account holder is under the age of 25.
      • Requirements to avoid the monthly maintenance fee will be effective the statement cycle following the primary account holder’s 25th birthday.

    You can also waive your monthly maintenance fee by maintaining $25,000.00 average daily balance in all deposit accounts with the same primary account holder (Checking, Savings, Money Market, or Certificate of Deposit) for the statement cycle.

    The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Back to content

  5. MaxMoney Checking: Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Registration/Activation Required. Back to content

  6. World Checking: To avoid the monthly fee:

    • Maintain an average daily balance of $15,000 each monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by
      the number of days in the period; or
    •  Maintain an average daily balance of $250,000 or greater in all deposit accounts with the same primary account holder (Checking, Savings, Money Market or Certificate of Deposit) for the statement cycle.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period; or
    • Central Trust Company Client; or
    •  Maintain a balance of $250,000 in a Central Investment Advisors Brokerage Account. 
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  7. Preferred Interest Checking: To avoid the monthly fee - you must have a daily balance of $5,000.00 for the monthly statement cycle; or,
    Maintain $25,000.00 average daily balance in all deposit accounts withe the same primary account holder for the statement cycle (Checking, Savings, Money Market, or Certificate of Deposit).

    The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

    Paper statements are available for a fee of $3.00 per statement cycle. Back to content