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  1. 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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  2. 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

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

Zelle is intended for sending money to family, friends and people you are familiar with. We recommend that you not use Zelle to send money to anyone you don’t know. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.