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Checking Accounts
Choose a checking account option that works best for you and simplify how you manager your money.
Connect Checking
Links your checking and savings – and rewards you 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
Centier 50 Advantage
Monthly Fees:
$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month
Opening Minimum:
$50
Centier Checking
Monthly Fees:
$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month
Opening Minimum:
$50
Student Checking
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
Smart Choice Checking
Monthly Fees:
$4
per month
Opening Minimum:
$25
Veterans Checking
Monthly Fees:
$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month
Opening Minimum:
$25
Remember to use promo code Earn125 to take advantage of the promotional offer!**
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 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 mange your funds at your convenience! 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.
Looking for more than just a checking account? At Centier we can help!
Yes, all of our checking accounts come with a Centier Visa debit card. You can use the card directly or link it to your Google or Apple Pay account for even more flexibility.
Yes! We have online banking services and a mobile app for both IOS & Android! Visit our online and mobile banking page to get additional information and download the mobile app.
Round up purchases to the nearest dollar on your debit card and save the difference in a savings accounts. Click here for more information!
We offer a Student Checking and Junior Investors Savings account! Exciting options for helping develop strong financial habits. Find a location near you to open an account!
Yes! Overdraft Protection is available. More information can be found here.
A checking account lets you deposit and withdraw money from a secure place so you can access it when needed, such as paying bills or shopping. With a Centier checking account you can easily manage your funds through the online banking portal, mobile app, and at over 60 Centier branches & EZ deposit ATMs across Indiana. You can also withdraw funds surcharge free at over 55,000 ATMs nationwide through our partnership with Allpoint and Presto! In Addition, you can have an employer direct deposit into your account, mobile deposit checks directly through the Centier mobile app, write unlimited checks, and even utilize mobile payment services such as Apple & Google Pay. You can also set up online bill payments or send money directly to another person with our P2P (Person To Person) bank transfer process. These are just some of the exciting tools and services that let you bank the way you want at Centier.
Have more questions?
Disclaimers
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.
2 Interest Checking requires direct deposit or e-Statements along with a minimum
daily balance of $500 or $1,000 average monthly balance to avoid a $4.00 monthly service charge.
3 Centier Checking, Connect Checking, 50 Advantage and Veterans checking accounts require direct deposit or e-Statements or a $100 minimum
balance to avoid a $2.00 monthly service charge. Interest Checking requires direct deposit or e-Statements along with a minimum daily balance of $500 or $1,000 average monthly balance to avoid a $4.00 monthly service charge.
4 Centier 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. Transfers from a savings account to another account, or to third parties by preauthorized, automatic, telephone, or computer transfers or by check, draft, or similar order to third parties, are limited to six per month.
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.
5 To 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.
6Free Checking with e-Statements is applicable to all Centier Checking account products. Free Checking requires the enrollment of e-Statements. Failure to enroll in E-statements may result in a monthly service charge if minimum
daily balance or average monthly balance requirements are not met or if you do not have direct deposit.
^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 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.
**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. $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.
Centier reserves
the right to discontinue any offer at any time.
