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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Be Our Client

Get your $50 bonus when you open a new checking account today!*

Open My Checking Account

Find The Right Checking Account For You

Choose an account that meets your daily needs and helps you reach your financial goals. Whether you are looking for low fees or incentives to help save you money, we offer a variety of accounts to get you there. Plus - all accounts come with exciting features to help you better manage your money.

Connect Checking

Links your checking and savings – and rewards you with a premium savings rate.*²

Open My Account

Monthly Fees:

$0
with e-Statements or direct deposit, or a $100 minimum daily checking account balance.
OR
$2/month

Opening Minimum:

$50 Checking and $100 Savings

Centier Checking

A flexible personal checking account experience for effortless banking! ¹

Open My Account

Monthly Fees:

$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$4/month

Opening Minimum:

$50

Student Checking

An account for students ages 14 – 24 that includes a debit card, direct deposit, and no fees.⁵

Visit Branch To Apply

Monthly Fees:

$0

No overdraft fees, paid item fees or extended overdraft fees.

Opening Minimum:

$25

Centier 50 Advantage

An interest bearing checking account for clients 50 and better! ¹

Open My Account

Monthly Fees:

$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month

Opening Minimum:

$50

Interest Checking

A checking account that provides you competitive interest on your money!⁶

Open My Account

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

Veterans Checking

Benefits for all military service members and veterans.⁴

Visit Branch to Apply

Monthly Fees:

$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month

Opening Minimum:

$25

Smart Choice Checking

A checking account with no overdraft charges.³

Visit Branch to Apply

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.

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®.

⁶Interest 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.

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 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. $50 bonus subject to 1099 reporting. Only one $50 bonus per person. If all criteria are met, the $50 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.

Routing Number: 071902878

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