Free Checking Benefits
Zero Monthly Fees and Zero Money to Open
Zero Minimum Balance Required
Zero Overdraft Fees -- Guaranteed
Round Up Savings Ready
Plus, your everyday Centier Features!
Surcharge-Free ATM Access^
55,000 Surcharge Free Allpoint ATMs. Allpoint gives you the freedom to get your cash how you want, without ATM surcharge fees.
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™.
Mobile Deposit
When you utilize Mobile Banking, deposit multiple checks directly from Centier's mobile app.
Don't take our word for it, take theirs!
Experience the Centier glow firsthand and see why our clients rate us 4.9 on Google
Customer Testimonials are not affiliated with the J.D. Power 2025 U.S. Retail Banking Satisfaction Study.
"I love Centier bank they are the best."
"Every Centier branch has a helpful staff and is always ready to answer any questions. Thanks everyone!"
Disclosures
*Free Checking has no monthly service fee, $0 to open this account, and no minimum daily balance. The account may close after 60 days of no activity and a $0 balance. This account is not eligible for Overdraft Advantage®. No overdraft or return items fees. Other miscellaneous fees may apply, as described in the Service Charge Listing (click here for English and Spanish versions of this disclosure).
^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.
Apple, the Apple logo, iPhone, iPad, Apple Pay, Apple Watch, Face ID, Touch ID and Mac are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
Visa is a registered trademark of Visa.