We know you need options when opening a checking account. Whether you are a student opening your first account or a retired couple who wants high returns on your deposits, our checking accounts can serve any purpose you may need.
The Bleed Blue Checking Account
For everyone out there who bleeds blue like us, we have a checking account that finally gets you. It's Central Bank's Bleed Blue checking account. Stop by your local Central Bank and show off your Wildcat passion with our signature UK checks. And because we're always looking out for our fellow Wildcat fans, we'll throw in the first order of Bleed Blue checks for free, four free* withdrawals per statement cycle at other bank ATMs and one Forgive & Forget Certificate.
There are other checking accounts out there. But only one Bleeds Blue.
* Central Bank will waive its $1 fee for up to four withdrawals per month at ATMs owned by other banks.
The Central Account
Combines all the banking services you could possibly need into one all-purpose, unbeatable personal banking account.
- Minimum opening deposit of $3,500.
- No monthly maintenance fee is assessed on accounts with a minimum daily balance of $3,500 or more.
- No-fee unlimited standard personalized checks.
- No-fee overdraft protection with savings or money market accounts.
- No-annual fee no annual fee Visa® Gold Card (subject to credit approval)
- Free conventional American Express Traveler's Cheques.
- Free cashier's checks.
- Unlimited withdrawals at no charge.
- A monthly statement may be combined with other accounts and provides images of checks.
- Funds can be accessed by check, ATM card, Central card or ACH withdrawal.
- Checks and deposit slips/images are included in the monthly statement.
- Loan discount.
Clean Start Checking
Provides a clean start to those who may have had trouble with their checking account in the past.
- Minimum opening deposit of $50.
- Unlimited withdrawals.
- A monthly statement may be combined with other accounts and provides images of checks.
- Funds may be accessed by check, ATM card, Central card or ACH Withdrawal.
- The monthly maintenance fee is $10. If direct deposit of payroll is used, then the monthly fee is $8.
- Loan discount.
- Minimum $3,500 to open an account.
- No-fee unlimited standard personalized checks.
- No-annual fee Visa® Gold Card or MasterCard® or $10 fee for two cards (subject to credit approval).
- Free conventional American Express Traveler's Cheques.
- Free cashier's checks.
- Free notary service.
- Central Debit Card.
- Funds may be accessed by check, ATM card, Central card or ACH Withdrawal.
- Earns a premium variable rate of interest.*
- Free ATM usage (including our fee and those imposed by other banks).
- Guaranteed checking/savings or money market account is provided with no annual or per-transfer fee.
- Maintain minimum daily balance of $10,000 in your Platinum Account or a combined daily balance in all linked deposits of $25,000 (including deposit accounts, CDs and IRAs) to avoid the monthly maintenance fee.
- Loan discount.
*Compared to Central Bank Interest Checking
- Minimum opening deposit of $50.
- Unlimited withdrawals at no charge.
- No minimum balance required.
- Loan discount.
- Funds can be accessed by check, ATM card, Central Card or ACH withdrawal.
- Minimum opening deposit of $50.
- Unlimited withdrawals at no charge.
- A monthly statement may be combined with other accounts and provides images of checks.
- Funds can be accessed by check, ATM card, Central card or ACH withdrawal.
- No service fee when a minimum balance is maintained in either your Central Bank Regular Checking ($500) or Central Bank Regular Savings ($1,000) account.
- Loan discount.
- Minimum opening deposit of $1,000.
- Unlimited withdrawals at no charge.
- No service fees when you maintain a minimum required balance of $1,000.
- Earns a premium variable rate of interest.
- Combined statement available.
- Funds can be accessed by check, ATM card, Central Card or ACH withdrawal.
- Checks and deposit slips/images are included in the monthly statement.
- Loan discount.
Central 55
We believe reaching 55 should have its advantages. So Central Bank offers seniors the benefit of a better approach to banking with its Central 55 Checking.
- Minimum opening deposit of $50.
- No minimum balance required.
- No-fee unlimited standard personalized checks.
- Funds may be accessed by check, ATM card, Central card or ACH Withdrawal.
- Free notary service.
- Checks and deposit slips/images are included in the monthly statement.
- Loan discount.
* For more information regarding checking accounts, please contact your Personal Banker or our Customer Service department.
The Central Card - Central Bank's Debit Card
It's a plastic check! The Central Card is accepted anywhere you can use Visa®. It's faster than a check and safer than cash. All activity shows on your monthly checking statement. And, it is available with any personal checking account.
| Description | Minimum Opening Deposit | Service Fees | Interest | |
|---|---|---|---|---|
| 1Current annual percentage yield and interest rate are available on the Disclosure of Yields and Rates (Rate Sheet) and by calling The Central Connection. 2Premium rate compared to our Interest Checking. | ||||
| Central Free Checking | No Minimum Balance, No Service Fee | $50 | None $2 per Month if Dormant for 6 Months | No |
| Clean Start Checking | No Minimum Balance | $50 | $10 Unless Direct Deposit of Payroll Is Used, Then Fee Is Reduced to $8 | No |
| Regular Checking | Low Minimum Balance | $50 | Daily Balance Fee $500+ $0 $499.99- $6 Or Maintain an Average Checking Balance of $1,000, or a Minimum Savings Balance of $1,000 | No |
| Central Account | Complete Personal Banking Account | $3,500 | If Minimum Balance Falls Below $3,500 During a Statement Period, a $10 Service Fee Is Assessed | Variable Rate:1 Compounded Daily and Paid Monthly on Collected Balances |
| Interest Checking | Interest Bearing | $1,000 | If Minimum Balance Falls Below $1,000 During a Statement Period, a $9 Service Fee Is Assessed | Variable Rate:1 Compounded Daily and Paid Monthly on Collected Balances |
| Central 55 Checking | No Service-Fee Checking | $50 | None | No |
| Central Platinum | Interest-Bearing Personal Banking Package | $3,500 | If Minimum Balance Falls Below $10,000 During a Statement Period and Combined Minimum Balance of Linked Deposit Accounts Falls Below $25,000, a $15 Service Fee Is Assessed | Premium Tiered Variable Rate:2 Compounded Daily and Paid Monthly on Collected Balances |
