Checking Accounts
Choose a checking account option that works best for you and simplify how you manage your money.
Open your checking and savings account bundle – and get rewarded with a premium savings rate.2
Monthly Fees:
$0
with e-Statements or direct deposit, or $100 minimum daily checking account balance.
OR
$2/month
Opening Minimum:
$50 Checking and $100 Savings
A flexible personal checking account experience for effortless banking! 1
Monthly Fees:
$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month
Opening Minimum:
$50
An account for students ages 14 – 24 that includes a debit card, direct deposit, and no fees.5
Monthly Fees:
$0
No overdraft fees, paid item fees or extended overdraft fees.
Opening Minimum:
$25
An interest bearing checking account for clients 50 and better! 1
Monthly Fees:
$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month
Opening Minimum:
$50
A checking account that provides you competitive interest on your money!6
Monthly Fees:
$0
with e-Statements or direct deposit, along with a $500 minimum daily balance or $1000 average monthly balance.
OR
$4/month
Opening Minimum:
$50
Benefits for all military service members and veterans.4
Monthly Fees:
$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month
Opening Minimum:
$25
A checking account with no overdraft charges.3
Monthly Fees:
$4
per month
Opening Minimum:
$25
Checking Account Features
Life can be stressful, but we believe that your banking shouldn't be! View some of the many features that are included with every Centier Bank Checking Account!
Surcharge-Free ATM Access^
EZ deposit ATMs available at Centier Branch locations. Also, our partner networks provide you with thousands of ATMs available all over the US. Find an ATM Near You.
Unlimited Check Writing
No limits on the amount of checks you can write with any of our checking accounts!
Centier Visa® Debit Card
Receive a Centier Visa® Debit Card with every checking account to utilize while on the go or with your favorite digital wallet!
Online and Mobile Banking
Access and manage your funds when it's convenient for you! Read More about Mobile & Online Banking
Use A Digital Wallet
Prefer using a digital wallet on your mobile device? No problem! You can utilize your Centier checking account debit card with Apply Pay® or Google Pay™.
Bill Pay
Move Money and schedule bill payments securely and conveniently.
Mobile Deposit
When you utilize Mobile Banking, deposit multiple checks directly from Centier’s mobile app.
Person-To-Person Payments
Sign up for P2P within online and mobile banking to move money and send personal payments to friends and family.
How else can we Assist?
Visit Centier to You for access to helpful financial materials! Below are just two examples of topics covered.
Have more questions?
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.
^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 and Smart Choice 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 10/1/2024. If 50 or more qualified debit card transactions post per statement cycle, earn 4.00% 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.