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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 More details about MaxMoney® Checking

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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 More details about MyChoice Checking

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World Checking

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

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Free Checking

A basic checking account with access to Online and Mobile Banking features with free electronic statements.
Monthly Fee: $0disclosure 4 More details about Free Checking

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Preferred Interest

An account for high balances with competitive rates.
Monthly Fee: $105 More details about Preferred Interest

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