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personal checking account

Find The Right Checking Account For You

Open a checking account that meets your daily needs and helps you reach your financial goals. Are you are looking for low fees or incentives to help save you money? We offer a variety of online checking accounts to get you there. Plus - all checking accounts come with exciting features to help you better manage your money.

Centier Checking1

A flexible personal checking account experience for effortless banking!


APY:

0%

Opening Minimum:

$50

Monthly Fees:

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


Centier 50 Advantage1

A interest bearing checking account for clients ages 50 and up!


APY:

.01%-.04%*

Opening Minimum:

$50

Monthly Fees:

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


Connect Checking2

Connect Checking links your checking and savings – and rewards you with a premium savings rate.*


APY:

.01%-1.01%*

Opening Minimum:

$50 Checking and $100 Savings

Monthly Fees:

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


Smart Choice Checking3

A checking account with no overdraft charges when there are not enough funds in the account to cover your debit card transaction, check, or ACH.


APY:

0%

Opening Minimum:

$25

Monthly Fees:

$4
per month


Veterans Checking4

Benefits for all current military service members and veterans.


APY:

.10%

Opening Minimum:

$25

Monthly Fees:

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


Get Started!

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!

Mobile and Online Banking Phone Icon

Free Online and Mobile Banking

Access and manage your funds at your convenience! Read More about Mobile & Online Banking

Person To Person Move Money Icon

Person-To-Person Payments

With Online/Mobile Banking, Move Money and send personal payments to friends and family in a matter of minutes with real-time P2P.

Nationwide ATMs

Surcharge-Free ATM Access^

EZ deposit ATMs available at Centier Branch locations. Also, our partner networks provide you thousands of ATMs available all over the US. Find an ATM Near You.

Unlimited Check Writing Check Icon

Unlimited Check Writing

No limits on the amount of checks you can write with any of our checking accounts!

Centier Visa Debit Card Icon

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!

Digital Wallet Icon

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 Icon

Bill Pay

Move Money and schedule bill payments securely and conveniently – 24/7 when utilizing e-statements.

Mobile Deposit Icon

Mobile Deposit

When you utilize Mobile Banking, deposit multiple checks directly from Centier’s mobile app.

How else can we assist?

Checking Account FAQs
Other Centier accounts & services
Looking to learn more about money management?

Have more questions?

Disclosures

1 Centier 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.

3 This 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. Connect Savings: APY current as of 9/1/2022. If 50 or more qualified debit card transactions post per statement cycle, earn 1.01% APY. If 18 - 49 qualified debit card transactions post per statement cycle, earn 0.50% APY, less than 18 qualified debit card transactions results in entire savings balance earn 0.01% APY. Centier 50 Advantage: APY varies depending on account balance, $0 – $4,999 earn 0.01% APY | $5,000.01 - $24,999.99 earn 0.2% APY | $25,000 – $49,999.99 earn 0.03% APY | $50,000+ earns 0.04% APY.
ATM transactions do not count as qualified debit card transactions. Bank is not responsible for merchant settlement delays. Fees could reduce earnings. Rates are subject to change without notice. Other terms and conditions apply. Member FDIC.

Centier reserves the right to discontinue any offer at any time.

Personal Banking / Checking Accounts