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Disclosures
1Centier Checking and 50 Advantage Checking accounts require direct deposit or e-Statements or a $100 minimum daily balance to avoid a $2.00 monthly service charge.
2Centier Connect requires both a Connect Checking and Connect Savings account with a common signer. Personal deposits only. Connect Checking requires $50 to open; direct deposit or e-Statements or $100 minimum daily balance is required to avoid a $2 monthly fee. Connect Savings requires $100 to open. If qualifications are not met, Connect Checking converts to Centier Checking and Connect Savings converts to Statement Savings. All terms and conditions of those accounts will apply.
3This account is not eligible for Overdraft Advantage. Overdraft Transfer service is available to cover overdrafts on this account at no charge, but the service must be set up in advance. There are no dormant account fees on this account. Smart Choice is a certified Bank On product.
4To qualify for Centier Veterans Checking, an individual on the account must have past or present U.S. Armed Forces military service. A copy of a military ID may be required. Interest paid monthly on all balances. 0.10% Annual Percentage Yield (APY) as of March 31, 2020. Fees may reduce earnings. Four Centier fees waived for Non-Centier ATM withdrawals per statement period. Non-Centier ATMs are considered ATMs not owned by Centier or ATMs not in the Allpoint Network. Fees from the ATM owner still apply. Normal fees apply after the fourth withdrawal transaction in a statement period. Overdraft fees reduced to $25 from the standard $35 charge. First box of corporate image checks with American Flag in background are free. Direct Deposit or e-Statements or $100 minimum daily balance is required to avoid a $2 monthly fee.
5To qualify for this account, you must be between the ages of 14 and 24. If you are under the age of 18, your parent or guardian must also sign on the Centier Student Checking account. At the age of 25, your account will automatically convert to the Centier Checking account. You must deposit $25.00 to open this account. This account is not eligible for Overdraft Advantage®.
6 Interest Checking accounts require direct deposit or e-Statements and a $500 minimum daily balance or a $1,000 average monthly balance to avoid a $4.00 monthly service charge.
^A fee may apply at foreign ATM locations.
If the application is submitted after normal business hours, it may take up to two business days to validate your requested information.
Bank rules and regulations apply. Minimum opening deposit is only $50 for personal accounts. Except for Veterans, Smart Choice, and Student checking which is $25.
Government regulations require that financial institutions make disclosures available to you when you apply for a new account. You may read and print our disclosures by clicking the following link - Disclosures.
Customer Notice: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Thank you for your cooperation.
*APY = Annual Percentage Yield. APY for Connect Savings is accurate as of 9/1/2023. If 50 or more qualified debit card transactions post per statement cycle, earn 5.00% APY. If 18 - 49 qualified debit card transactions post per statement cycle, earn 3.00% APY, less than 18 qualified debit card transactions results in entire savings balance earn 0.05% APY. Connect Checking requires $50 to open; direct deposit or e-Statements or $100 minimum daily balance is required to avoid a $2 monthly fee. Connect Savings requires $100 to open. Fees could reduce account earnings. If qualifications are not met, Connect Checking converts to a Centier Checking and Connect Savings converts to Statement Savings. ATM transactions do not count as qualified debit card transactions. Bank is not responsible for merchant settlement delays. Rates are subject to change without notice. Other terms and conditions of those accounts will apply. Member FDIC.
Centier reserves the right to discontinue any offer at any time.
**Offer valid 1/1/2024 - 12/31/2024. To qualify for this offer, you must add e-Statements, Online Banking or Direct Deposit to a new Personal Checking Account in the first 90 days after account opening. Please visit Centier.com/Earn125 or see an associate for personal checking options, terms and conditions. This offer does not include Money Market accounts. Must not have been a primary account holder on a checking account with Centier in the past 12 months or less. Centier reserves the right to discontinue any offer at any time. Primary account holder must be 18 years of age or older. $125 bonus subject to 1099 reporting. Only one $125 bonus per person. If all criteria are met, the $125 bonus will be deposited within 90 days of account opening. This offer cannot be combined with any other offer. Please present this offer at the time of account opening.