Open an Account

What type of checking account?

  Not sure which checking account is right for you?

Please take a moment to answer a few questions and we will provide you with a personalized recommendation.

MaxMoney® Checking

You want a checking account with perks - access to your credit score¹, extra security, more savings, and much more! More details about MaxMoney® Checking

Open Now MaxMoney® Checking

MyChoice Checking

You receive a monthly direct deposit, use your debit card frequently, and want the best in Online and Mobile Banking. More details about MyChoice Checking

Open Now MyChoice Checking

World Checking

Your spending is more complex than most, traveling often with high level spending amounts. More details about World Checking

Open Now World Checking

Free Checking

A basic checking account with access to basic Online and Mobile Banking features. More details about Free Checking

Open Now Free Checking

Preferred Interest Checking

An account for high balances with competitive rates. More details about Preferred Interest Checking

Open Now Preferred Interest Checking

Compare accounts

Deselect an account to add another

You can add more accounts.

Technical Assistance

We're here to help! Contact one of our Technical Assistance representatives at 

(800) 749-5344

Monday-Friday: 8:00 a.m. to 6:00 p.m. CST

Saturday: 8:00 a.m. to 12:00 p.m. CST

  1. MaxMoney Checking: 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. Registration/Activation Required. Back to content
  2. Cell phone must be paid through this account. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Back to content
  3. MyChoice Checking: 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).

    Back to content
  4. World Checking: To avoid the monthly fee - you must have a $15,000 average balance; or; $250,000 private banking relationship; a $250,000 Central Investment Advisors relationship or be a Central Trust Company client. Back to content
  5. Preferred Interest Checking: To avoid the monthly fee - you must have a daily balance of $1,000; or, average Daily balance of $2,000 during a monthly statement cycle. Back to content
  6. Paper statement available for a fee. See bank for details. Back to content

The Central Trust Bank operates under the brand names Central Bank, Jefferson Bank, and Bank Central.
Accounts under these brands are combined for FDIC Insurance coverage.