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SCAM ALERT: Scams involving spoofed numbers and the impersonation of local bank employees to obtain customer information are on the rise. PLEASE DO NOT PROVIDE PASSWORDS OR DEBIT CARD PIN NUMBERS. WE WILL NEVER ASK FOR THIS INFORMATION. If you receive a suspicious phone call or text message, please use caution and contact us at the number on the back of your credit or debit card or dial (859) 253-6359.

Personal Checking Accounts

Today, your checking account is more than a checkbook. It’s the central financial tool that must dependably and securely accommodate your purchasing needs in person, online and over any mobile device.

Account 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®11

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

  • Cards feature within CentralNET and CentralMOBILE that lets you control when and how your Central Bank Debit Card is used

  • 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

Checking Account Options

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

To find Visa® ATM locations worldwide, use the Visa ATM locator.

Get started.

Call to learn more.

859-253-6222

1 Enrollment in online banking or mobile banking is required to receive eStatements. Paper statements without images are available or eStatements are available with online check images.

2 See special handling fees for personal accounts for other fees.

3 The minimum daily balance must be met each day of the statement cycle.

4 Variable interest, compounded daily and paid monthly on collected balances. Current annual percentage yield and interest rate are available on the Disclosure of Yields and Rates (Rate Sheet) and by calling The Central Connection.

5 Standard only. Prices may vary on other styles.

6 Your account will receive a rebate each statement cycle for fees charged by other ATM owners. If your account is closed prior to the end of the statement cycle, the rebate will be forfeited.

7 Compared to Central Interest Checking. Variable interest, compounded daily and paid monthly on collected balances. Current annual percentage yield and interest rate are available on the Disclosure of Yields and Rates (Rate Sheet) and by calling The Central Connection.

8 Fees apply for transfers from credit card.

9 Overdrafts may be created by check, in-person withdrawal, ATM withdrawal transaction or other electronic means. We will charge you a fee of $32 each time we pay an overdraft. Whether your overdraft will be paid is at the bank's discretion. We reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or you are not making regular deposits or you have had excessive overdrafts. Once an overdraft has occurred, you are obligated to bring your account to a positive balance promptly.

10 Transaction limitations include maximum ATM withdrawals of $200 per day and debit card purchases limited to $600 per day.

11uChoose Rewards is a registered trademark of Fiserv, Inc. or its affiliates. You must register to earn points and will be asked to accept terms and conditions upon registration. Points are subject to an expiration date. See terms and conditions upon registration for full program details. Excludes Health Savings Accounts and ATM Cards.

12 Standard data rates apply.