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 discount of .50% when payments are auto-deducted from a Central Bank account
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
  • Free unlimited ATM usage anywhere.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.
  • Waiving of Central Bank’s $1 fee for up to four withdrawals per statement cycle at ATMs owned by other banks.
  • 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.
  • Free ATM usage at any ATM.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.
  • 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.
  • Waiving of Central Bank’s $1 fee for up to four withdrawals per statement cycle at ATMs owned by other banks.
  • 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 None7
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 $2,500 or a minimum daily balance of $15,000 in all linked accounts – otherwise, it’s $109,15
Central Business 250 None if you maintain a minimum daily balance of $5,000 or a minimum daily balance of $25,000 in all linked accounts – otherwise, it’s $159,15
Central Business 250 Interest None if you maintain a minimum daily balance of $15,000 – otherwise, it’s $209,15
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 provided15
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 $9.9,15
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 $3.9,15

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 $215
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 $1015
Central Money Market Account None if you maintain a daily balance of $2,500 each day of the monthly statement cycle – otherwise, it’s $1015
Business Money Market Sweep $10
The Sweep Account $75