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$50 minimum to open any account

MaxMoney® Checking

All the benefits of a checking account with added security, savings, and access to your credit score1.
Monthly Fee: $8.95

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MyChoice Checking

You receive a monthly direct deposit, use your debit card often, and want the best in Online and Mobile Banking.
Monthly Fee: $32

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World Checking

Your spending is more complex than most, traveling often with high level spending amounts.
Monthly Fee: $203

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Preferred Interest

An account for high balances with competitive rates.
Monthly Fee: $104

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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:

    • 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.
    • Maintain a minimum daily balance of $2,500.00 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
    • You can also waive your monthly maintenance fee by maintaining $25,000 average daily balance or greater in all deposit accounts with the same primary account holder (Checking, Savings, Money Market, or Certificate of Deposit) for the statement cycle.
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  3. To avoid the monthly fee, you must do one of the following:

    • Maintain an average daily balance of $15,000.00 each monthly statement cycle; or
    • Maintain an average daily balance of $250,000.00 or greater in all deposit accounts with the same primary account holder (Checking, Savings, Money Market, or Certificate of Deposit) for the statement cycle; or
    • Maintain a balance of $250,000.00 in a Central Investment Advisors Brokerage Account; or
    • Be a Central Trust Company client.
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  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 average daily balance or greater in all deposit accounts with the same primary account holder (Checking, Savings, Money Market, or Certificate of Deposit) for the statement cycle.

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