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Checking


Personal Checking Table

 

Central Checking

  • Unlimited check writing
  • Monthly eStatement at no charge
  • Central OnLine
  • Bill Pay
  • Visa Debit Card
  • 24 hour “Easy Access” automated customer service
  • Optional Overdraft Privilege (“Ask for Details”) ***

$50.00 deposit to open this account
No monthly activity service charge


Central Choice Premier

  • Automatic refund of all ATM fees
  • Interest compounded and credited monthly
  • Central OnLine
  • Bill Pay
  • Visa Debit Card
  • Unlimited check writing
  • Monthly eStatement with images
  • 24 hour “Easy Access” automated customer service
  • Optional Overdraft Privilege (“Ask for Details”)***

$100.00 deposit to open this account
Monthly activity service charge of $15.00 **
Minimum daily collected balance of $5,000 or more to avoid the monthly activity service charge
This account earns interest on a positive balance

The following products are required at the time of account opening: Visa Debit Card, Central OnLine and eStatement.


Central Choice Senior

(ages 55 and older)

  • Unlimited check writing
  • Monthly eStatement or paper statement at no charge
  • Central OnLine
  • Bill Pay
  • Visa Debit Card
  • 24 hour “Easy Access” automated customer service
  • Free Central Bank wallet checks
  • $10.00 annual savings on Safe Deposit Box rental
  • 3 Free Cashier's Checks per month
  • Free basic notary services
  • Optional Overdraft Privilege***

$50.00 deposit to open this account
No monthly activity service charge


Central Choice Plus Interest

  • Unlimited check writing
  • Monthly eStatement with images at no charge 
  • Central OnLine
  • Bill Pay
  • Visa Debit Card
  • 24 hour “Easy Access” automated customer service
  • Interest is compounded and credited monthly
  • Optional Overdraft Privilege ***

$100.00 deposit to open this account
Minimum daily collected balance of $1,500 to avoid a monthly activity service charge of $15.00 **
This account earns interest on a positive balance


*Money Market Checking

  • Limited check writing — 6 pre-authorized withdrawals (check, debit card or similar) per month, additional withdrawals are $10.00 each
  • Monthly eStatement with images at no charge
  • Central OnLine
  • 24 hour “Easy Access” automated customer service
  • Interest is compounded and credited monthly
  • Rates are tiered allowing you to earn a higher rate as your balance increases

$100.00 deposit to open this account
Minimum daily balance of $2,500 to avoid a monthly activity service charge of $15.00 **
This account earns interest on a postitive balance


ATM FEES - To obtain a refund of foreign ATM fees, a fee incurred at a non-Central Bank ATM, you must bring in (or mail) the original receipt(s) within 60 days of the transaction. Deliver your receipt(s) to a Central Bank Financial Service Rep for processing. Include your Central Bank account number on the receipt(s). After verification, the refund of qualifying foreign ATM fee(s) will be credited to your account.

**Monthly activity service charge will be waived on the first month’s statement cycle.

***Overdraft Privilege Disclosure
Central Bank reserves the right to limit participation to one account per household and to discontinue Overdraft Privilege without prior notice. Overdraft fees (Insufficient Funds fees) of $35.00 each will be charged for each overdraft created on your account by check, debit card, in-person withdrawals, ATM withdrawals or other electronic means. We normally require overdrafts to be repaid within 30 days; however, we reserve the right to require you to repay an overdraft immediately upon our demand. We do not pay overdrafts on accounts in the following circumstances: a) accounts that are not in good standing, b) accounts where the overdraft limit has been reached, and c) when we reasonably believe that an overdraft will not be repaid.

To report a lost or stolen check card, please call Account Services at 832.485.2515 during normal business hours or 800.500.1044 after normal business hours.