Personal Checking Accounts

• 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

$10

The maximum opening deposit for online accounts is $10,000

None if you have direct deposit totaling $500 or more per statement cycle or if you select to receive eStatements.¹ Otherwise, it’s $6.² If the account becomes inactive for six months or more, there is a dormant fee of $5 per month.

• 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

$10

The maximum opening deposit for online accounts is $10,000

None if you have direct deposit totaling $500 or more per statement cycle or if you select to receive eStatements.¹ Otherwise, it’s $6.² If the account becomes inactive for six months or more, there is a dormant fee of $5 per month.

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

$10

The maximum opening deposit for online accounts is $10,000

None with a minimum daily balance of $500 or a minimum daily balance of $5,000 in all linked deposit accounts. Restrictions apply. Contact your Central Banker about linking account balances for this purpose. Otherwise, it’s $8^2,3.

• Interest on your checking balances.⁴

• 50% off personal checks.⁵

$10

The maximum opening deposit for online accounts is $10,000

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.^2,3

• Rebatable ATM fees⁶

• Premium interest on your checking balances⁷

• 50% off personal checks⁵

• Free notary service

• Free Guaranteed Checking transfers from your deposit account⁸

$10

The maximum opening deposit for online accounts is $10,000

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.^2,3

Introducing Central Student Checking – our option for students ages 14–25.

With free online and mobile banking, no ATM fees, and convenient features like remote deposit, it’s the gentlest nudge from the nest you can give. A Student Checking Account can be opened at any of our convenient locations.

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

• Rebatable ATM fees.⁶

• Free CentralNET¹ 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.^2,9

• 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.

$10

The maximum opening deposit for online accounts is $10,000

None if you receive eStatements through CentralNET.¹ Otherwise, it's $4.² If the account becomes inactive for six months or more, there is a dormant fee of $5 per month.

Central Student Checking accounts are not eligible for Courtesy Coverage. Courtesy Coverage is a noncontractual service provided by Central Bank to provide checking account overdraft protection for consumer demand deposit accounts.

No

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

$10

$8 if you have direct deposits during the statement cycle. Otherwise, it’s $10.²

No