Checking

Your needs are diverse and we have a variety of personal banking products and services to create a customized solution based on your financial needs. It all starts with a checking account. Open your new checking account online or at one of our convenient locations.

MaxMoney® Checking

Experience a variety of advantages such as access to your credit report and credit monitoringdisclosure 1 savings on gas and retail purchases, cell phone protection, dark web monitoring, double credit card points, as well as free eStatements and mobile banking. More details about MaxMoney® Checking

Monthly Fee: $9.95

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MyChoice Checking

Ideal for students or individuals seeking a convenient banking solution! Our account offers free online and mobile access, free money management tools, and free mobile check deposit. We are confident you will appreciate the convenience and benefits of this account. More details about MyChoice Checking

Monthly Fee: $5 avoidable fee2

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World Checking

Get ready for a banking experience that’s easy and safe with lots of extra perks! We’ll refund ATM fees, keep a close watch on your credit report, and even provide insurance for your cell phone. With these special benefits, banking has never been simpler! More details about World Checking

Monthly Fee: $20 avoidable fee3

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Preferred Interest Checking

With one account, you get flexible banking, a competitive interest rate, and lots of convenience! You can easily manage your account, pay bills, deposit checks, keep track of your spending, and do even more with free access to online and mobile banking. More details about Preferred Interest Checking

Monthly Fee: $10 avoidable fee4

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Free Checking

A basic account where you get free access to online and mobile banking, eStatementsdisclosure 5, mobile check deposit, and a handy money management tool. More details about Free Checking

Monthly Fee: $0

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  1. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Back to content
  2. To avoid the monthly fee - you must receive electronic statements and one of the following:
    • Maintain a minimum daily balance of $2500.00 per statement cycle; or
    • Maintain a recurring cumulative direct deposit of $500.00 per statement cycle; or
    • Use your debit card at least 20 times for a point of sale (POS) transaction (transaction only counts if it has posted to the account during the monthly cycle; or
    • The primary account holder is under the age of 25.
      • Requirements to avoid the monthly maintenance fee will be effective the statement cycle following the primary account holder’s 25th birthday.

    You can also waive your monthly maintenance fee by maintaining $25,000.00 average daily balance in all deposit accounts. (Checking, Savings, Money Market, or Certificate of Deposit).

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  3. To avoid the monthly fee - you must have a $15,000 average daily balance; or; maintain an average daily balance of $250,000 or greater in all deposit accounts during a monthly cycle; a $250,000 Central Investment Advisors relationship or be a Central Trust Company client. Back to content
  4. To avoid the monthly fee - you must do one of the following:
    • Maintain a minimum daily balance of $5,000.00 for the monthly statement cycle; or
    • Maintain $25,000.00 average daily balance in all deposit accounts for the statement cycle. (Checking, Savings, Money Market, or Certificate of Deposit).

    Paper statements are available for a fee of $3.00 per statement cycle.

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  5. Paper statements are available for a fee of $3.00 per statement cycle. Back to content