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Personal Checking Accounts

Standard Features

Central Bank offers a range of checking accounts to fit all the stages of your financial life. But no matter which account you choose, they all include these powerful and convenient features:

  • Visa® Debit Card featuring uChoose Rewards® and Central Wallet®

  • eBanking including CentralNET with Bill Pay, eStatements and CentralMOBILE with Mobile Deposit

  • Ability to open new eligible accounts online or at any banking center

  • Consumer loan discounts of .50% for auto-deducted payments from Central Bank checking or savings accounts are available on certain consumer loan products. Contact your Central Banker for details

Account Designed For

Account Type

Designed For

Central Platinum Checking

This checking account is for people who want their money to work harder for them.

Central Interest Checking

This checking account is for people who want to earn interest on their checking account balances.

Central Classic Checking

This checking account serves consumers of all ages. Plus, it rewards you if you link it with other deposit accounts.

Bleed Blue Checking

If you love to show your Wildcat pride, this is the checking account for you. This is a good low-cost option for all consumers.

Clean Start Checking

If you’ve had checking account issues in the past, this checking account gives you a clean start.1

Central Student Checking

Designed with students in mind, Central Student Checking is a convenient way to start learning basic money-management skills.

Central To You

This is a good low-cost option for all consumers.

Minimum Opening Deposit

Account Type

Minimum Opening Deposit

Central Platinum Checking

$10

Central Interest Checking

$10

Central Classic Checking

$10

Bleed Blue Checking

$10

Clean Start Checking

$10

Central Student Checking

$10

Central To You

$10

Key Benefits

Account Type

Key Benefits

Central Platinum Checking

  • Rebatable ATM fees.2

  • Premium interest on your checking balances.3

  • 50% off personal checks.4

  • Free notary service.

  • Free Guaranteed Checking transfers from your deposit account.5

Central Interest Checking

  • Interest on your checking balances.6

  • 50% off personal checks.4

Central Classic Checking

  • A 50% discount on select styles of checks if you are 55 or older.

Bleed Blue Checking

  • Unlimited free withdrawals at Central Bank ATMs.

  • One checking overdraft fee will be waived upon request. The request must be made within 30 days of the overdraft, and the fee will be credited to the account. Limit one request per account.

  • A 50% discount on selected styles of checks if you are 55 or older.

Clean Start Checking

  • If your account is in good standing after 12 months, you may request a different checking account.

Central Student Checking

  • Visa® debit card for use worldwide, wherever Visa is accepted.

  • Rebatable ATM fees.2

  • Free CentralNET10 online banking.

  • Free online bill payment services.

  • Free mobile banking.

  • Free eStatements when you enroll in CentralNET online banking and eStatements.

  • You will receive a 50% discount on any mini-pack of checks. (These books contain 25 checks.)

  • Select Guaranteed Checking Service to link another account for transfers to cover occasional overdrafts. You have the option to link a Central Bank deposit account or credit card account for this purpose. Fees apply for these transfers.7,8

  • Combined statements can provide activity summary of all accounts on one statement.

  • Receive a consumer loan discount of .50% for auto-deduct payments from a deposit account.

  • Offered to students ages 14–25. Account must be opened with a parent or legal guardian if the student is under the age of 18. Students will also need a government-issued photo ID to open the account regardless of age.

  • The account will convert to Central Bank’s Bleed Blue Checking Account the fifth business day of the calendar month following the student’s 25th birthday. You may select another account type before the account conversion takes place. Prior to account conversion, you will receive the account disclosures that will apply to your new account.

Central To You

  • Unlimited free withdrawals at Central Bank ATMs.

  • One checking overdraft fee will be waived upon request. The request must be made within 30 days of the overdraft and the fee will be credited to the account. Limit one request per account.

  • A 50% discount on selected styles of checks if you are 55 or older.

Monthly Maintenance Fee

Account Type

Monthly Maintenance Fee

Central Platinum Checking

None if you maintain a minimum daily balance of $10,000 or a minimum daily balance of $25,000 in all linked deposit accounts. Restrictions apply. Contact your Central Banker about linking account balances for this purpose. Otherwise, it’s $15.7,9

Central Interest Checking

None if you maintain a minimum daily balance of $1,000 or a minimum daily balance of $10,000 in all linked deposit accounts. Restrictions apply. Contact your Central Banker about linking account balances for this purpose. Otherwise, it’s $10.7,9

Central Classic Checking

None with a minimum daily balance of $500 or a minimum daily balance of $5,000 in all linked deposit accounts. Otherwise, it’s $8.7,9

Bleed Blue Checking

None if you have direct deposit totaling $500 or more per statement cycle or if you select to receive eStatements.10 Otherwise, it’s $6.7 If the account becomes inactive for six months or more, there is a dormant fee of $5 per month.

Clean Start Checking

$8 if you have direct deposits during the statement cycle. Otherwise, it’s $10.7

Central Student Checking

None if you receive eStatements through CentralNET.10 Otherwise, it’s $4.7 If the account becomes inactive for six months or more, there is a dormant fee of $5 per month.

Central To You

None if you have direct deposit totaling $500 or more per statement cycle or if you select to receive eStatements.10 Otherwise, it's $6.7 If the account becomes inactive for six months or more, there is a dormant fee of $5 per month.

Personal Saving Accounts

Standard Features

No matter which Central Bank savings account you choose, they all include these great features:

  • Competitive interest rates6

  • Security of FDIC insurance up to maximum limits

  • CentralNET

  • Online statements

  • CentralMOBILE with mobile deposit

Account Designed For

Account Type

Designed For

Money Market

This account is designed for people with larger balances in their accounts who want to maximize the growth of their savings.

Community Money Market

Save for your financial goals while helping community nonprofits reach theirs – at no cost to you.

Regular Savings

This account is designed for anyone looking for a great way to begin a program of saving.

Young American Savings

Designed for children up to the age of 18 with an adult custodian.11 Perfect for giving your child a great financial start in life.

Central 55 Savings

For customers who are 55 and older, this savings account carries no minimum balance requirement and no monthly maintenance fee.

Holiday Savings

Account designed for people who want to plan and manage their holiday shopping expenses to ensure they’re prepared when the season arrives.

Minimum Opening Deposit

Account Type

Minimum Opening Deposit

Money Market

$2,500

Community Money Market

$2,500

Regular Savings

$10

Young American Savings

$10

Central 55 Savings

$10

Holiday Savings

$10

Key Benefits

Account Type

Key Benefits

Money Market

  • Tiered interest rates, so the more you save, the more you earn.12

  • Can be used to provide overdraft protection – through our Guaranteed Checking feature – for any personal checking or interest checking product.

Community Money Market

  • Tiered interest rates, so the more you save, the more you earn.12

  • Can be used to provide overdraft protection – through our Guaranteed Checking feature – for any personal checking or interest checking product.

Regular Savings

  • Can be used to provide overdraft protection – through our Guaranteed Checking feature – for any personal checking or interest checking product.

Young American Savings

  • Teaches young customers how to manage a bank account.

Central 55 Savings

  • No minimum balance requirement.

  • Can be used to provide overdraft protection – through our Guaranteed Checking feature – for any personal checking or interest checking product.

Holiday Savings

  • Set up automatic transfers from any linked account to help you reach your savings goals in time for the holidays.

  • Interest paid annually with principal on October 28.13

  • This account is also self-renewing, which means you don’t have to open a new account each year after your annual payment.14

Monthly Maintenance Fee

Account Type

Monthly Maintenance Fee

Money Market

None if you maintain a minimum daily balance of $2,500. Otherwise it’s $10.7,9

Community Money Market

None if you maintain a minimum daily balance of $2,500. Otherwise it’s $10.7,9

Regular Savings

None if you maintain a minumum daily balance of $200. Otherwise, it’s $2.7,9

Young American Savings

None if the beneficiary is less than 18 years old. Beginning with the first statement cycle after the beneficiary’s 18th birthday, the account will be assessed a $5 monthly maintenance fee. A dormant fee of $5 per month will be charged once the account has been dormant (inactive) for two years or more, regardless of the beneficiary’s age.7

Central 55 Savings

None7

Holiday Savings

None7

Monthly Excessive Withdrawal Fee

Account Type

Monthly Excessive Withdrawal Fee

Money Market

None if you make six or less withdrawals/transfers per monthly statement cycle. Otherwise, it’s $10 for each excessive transfer/withdrawal.

Community Money Market

None if you make six or less withdrawals/transfers per monthly statement cycle. Otherwise, it’s $10 for each excessive transfer/withdrawal.

Regular Savings

None if you make six or less withdrawals/transfers per monthly statement cycle. Otherwise, it’s $5 for each excessive transfer/withdrawal.

Young American Savings

None if you make six or less withdrawals/ transfers per monthly statement cycle. Otherwise, it’s $5 for each excessive transfer/withdrawal.

Central 55 Savings

None if you make six or less withdrawals/ transfers per monthly statement cycle. Otherwise, it’s $5 for each excessive transfer/withdrawal.

Holiday Savings

$1 fee per withdrawal made from account.

Transaction Limitations

Account Type

Transaction Limitations

Money Market

No more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts or debit card or similar transactions per monthly statement cycle.

Community Money Market

No more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts or debit card or similar transactions per monthly statement cycle.

Regular Savings

No more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts or debit card or similar transactions per monthly statement cycle.

Young American Savings

No more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts or debit card or similar transactions per monthly statement cycle.

Central 55 Savings

No more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts or debit card or similar transactions per monthly statement cycle.

Holiday Savings

None

Business Checking Accounts

From high-volume corporations to a-few-checks-a-month sole proprietors, Central Bank offers checking accounts that strike the perfect balance of performance and economy.

To make sure you choose the checking account that delivers the most benefits for you, talk to your Central Banker.

Business Checking Accounts Comparison

Account Designed For

Account Type

Designed For

Central Business 150

Businesses with low transaction volume

Central Business 250

Businesses with higher transaction volume

Central Business 250 Interest

Businesses with higher transaction volume that prefer an interest-bearing account

Business Checking

Businesses with higher transaction volume

Business Interest Checking

Sole proprietorships, nonprofits, trust/fiduciary and governmental units

Central Service 100 Checking

Nonprofit organizations and donation accounts

Minimum Opening Deposit

Account Type

Minimum Opening Deposit

Central Business 150

$50

Central Business 250

$50

Central Business 250 Interest

$50

Business Checking

$100

Business Interest Checking

$1,000

Central Service 100 Checking

$50

Key Features

Account Type

Key Features

Central Business 150

  • Visa® Business Debit Card

  • Maximum of 150 items per monthly statement cycle, including checks, other withdrawals and deposited items ($.35 per additional item)

Central Business 250

  • Visa® Business Debit Card

  • Maximum of 250 items per monthly statement cycle, including checks, other withdrawals and deposited items ($.35 per additional item)

Central Business 250 Interest

  • Visa® Business Debit Card

  • Maximum of 250 items per monthly statement cycle including checks, other withdrawals and deposited items – $.50 for additional item

  • Pays variable rate of interest compounded daily and paid monthly on collected balances. Current annual percentage yield and interest rate are available by calling your banking center

Business Checking

  • Visa® Business Check Card

  • Allows unlimited withdrawals, but analysis fee of $.16 per check and other debits is assessed if balances do not compensate for services utilized

  • Multiple business checking accounts can combine investable balances and service volumes to help offset or minimize your fees - we are able to project your volume of service fees and the required balance that’s needed to offset the fees

  • Monthly printed statement or eStatement provides images of your checks, in serial-number order, and deposit slips - accounts with high check volumes may elect to receive all activity on CD ROM, providing permanent storage and item-search capability ($15 per month)

Business Interest Checking

  • Visa® Business Check Card

  • Pays a variable rate of interest, compounded daily and paid monthly on collected balances - current annual percentage yield and interest rate are available by calling your banking center

  • Up to 35 free checks and withdrawals each monthly statement cycle – a fee of $.15 applies for each check or withdrawal written after the first 35

Central Service 100 Checking

  • Available to nonprofit organizations, including all 501-(c)3 organizations; bowling leagues, book clubs and other social organizations; Sunday school accounts (when not linked to the main church account for combined analysis); booster clubs; estates; memorial and donation accounts; and Trust accounts (using an EIN)

  • Maximum of 100 transactions per monthly statement cycle, including checks, other withdrawals and deposited items - $.35 per additional item

Monthly Service Fee

Account Type

Monthly Service Fee

Central Business 150

None if:

  • You maintain a minimum daily balance of $1,000 OR a minimum daily balance of $15,000 in all linked accounts.9,15

  • OR you receive eStatements through CentralNET online banking.10

  • OR you have 15 debit card purchases posted to your account during that statement cycle. Pending purchase transactions, though deducted from the account balance in online and mobile banking, will not count toward the 15 purchase transactions unless they have posted to your account and are listed on your account statement.

  • OR you have Merchant Services with Central Bank.

  • OR you have Positive Pay with Central Bank.

  • Otherwise it's $10.16

Central Business 250

None if you maintain a minimum daily balance of $2,500 or a minimum daily balance of $25,000 in all linked accounts – otherwise, it’s $15.9,15,16

Central Business 250 Interest

None if you maintain a minimum daily balance of $15,000 – otherwise, it’s $209,16

Business Checking

Earnings credit on balances is applied to cover cost of $15 monthly service fee, debit and deposited items volume and other miscellaneous services provided16

Business Interest Checking

None if you maintain a minimum daily balance of $1,000 or a minimum daily balance of $10,000 in all linked accounts - otherwise it's $9.9,16

Central Service 100 Checking

None if you maintain a minimum daily balance of $1,000 or if you "Go Paperless" with eStatements10 - otherwise it's $3.9,16

Business Saving Accounts

Our Business Savings, Central Money Market, Central Community Money Market and Business Money Market Sweep accounts cater to nonpersonal organizations and businesses. And every account comes with these great features:

  • Earn variable rate of interest, compounded daily on collected balances and paid monthly

  • Up to six transfers/withdrawals allowed per monthly statement cycle

Business Saving Accounts Comparison

Account Designed For

Account Type

Designed For

Business Savings

Account designed for nonpersonal organizations or businesses

Central Community Money Market Account

Account designed for sole proprietors, partnerships, nonprofit businesses and corporations with over $10,000 in earnings. Eligible nonprofits may qualify for an annual contribution from Central Bank with this account.

Central Money Market Account

Account designed for sole proprietors, partnerships, nonprofit businesses and corporations with over $10,000 in earnings

Business Money Market Sweep

Account designed for companies with substantial excess Regular Business Checking balances

The Sweep Account

Account designed for businesses and corporations with over $10,000 in earnings

Minimum Opening Deposit

Account Type

Minimum Opening Deposit

Business Savings

$10

Central Community Money Market Account

$2,500

Central Money Market Account

$2,500

Business Money Market Sweep

$2,500

The Sweep Account

None

Key Features

Account Type

Key Features

Business Savings

  • Six free withdrawals or transfers per monthly statement cycle - $5 fee for each withdrawal or transfer in excess of six

Central Community Money Market Account

  • Six free withdrawals or transfers per monthly statement cycle - $10 fee for each withdrawal or transfer in excess of six

Central Money Market Account

  • Six free withdrawals or transfers per monthly statement cycle - $10 fee for each withdrawal or transfer in excess of six

Business Money Market Sweep

  • A Business Checking Account that automatically moves collected balances into a linked Central Money Market Account to maximize earnings

  • Funds sweep back into the Business Checking Account as needed to cover daily activity; on the sixth transfer in the monthly statement cycle, all remaining balances are swept back into the checking account and transfer activity is suspended for the remainder of the statement cycle

  • Six free withdrawals or transfers per monthly statement cycle; $10 fee for each withdrawal or transfer in excess of six

The Sweep Account

  • Automatically invests excess investable balances in an overnight Repurchase Agreement; daily confirmation notices are provided, identifying assigned collateral and other information

  • Interest is variable and based upon balance level maintained

  • Simple interest is accrued daily and paid monthly

Funds invested in your Sweep Account are not deposits and, therefore, are not FDIC insured, but are collateralized by bank-owned government securities.

Monthly Service Fee

Account Type

Monthly Service Fee

Business Savings

None if you maintain a daily balance of $200 – otherwise, it’s $216

Central Community Money Market Account

None if you maintain a daily balance of $2,500 each day of the monthly statement cycle – otherwise, it’s $1016

Central Money Market Account

None if you maintain a daily balance of $2,500 each day of the monthly statement cycle – otherwise, it’s $1016

Business Money Market Sweep

$10

The Sweep Account

$75