Personal Banking / Checking Accounts
Checking Your Way
Centier provides a wide selection of checking products and services to choose from. Whether you're looking to open a standard checking account or one that builds interest, Centier provides flexible options that fit your everyday needs, no matter what season of life you're in!
Compare Checking Accounts
We've provided this easy, simple to use comparison chart to help guide you in choosing the checking option that works best for you. Of course we're always available to answer any questions you might have, so if you need some guidance, give us a call!
| Account Features | Centier Checking1 | Centier 50 Advantage1 | Interest Checking2 | Connect Checking4 | Veterans Checking5 |
|---|---|---|---|---|---|
| Summary | A flexible checking account for everyone! | Checking for clients 50 and better! | Earn competitive interest! | Centier Connect links your checking and savings – and rewards you with a premium savings rate.* | Benefits for all current military service members and veterans. |
| Earns Interest | X | X | X | ||
| Fee Free Nationwide ATMs with Allpoint^ | X | X | X | X | X |
| Centier Visa® Debit Card | X | X | X | X | X |
| Free Online Services | X | X | X | X | X |
| Free / Discounted Services (Safety deposit boxes, money orders, discounted fees) |
X | X | |||
| Free Mobile & Online Banking | X | X | X | X | X |
| Unlimited Check Writing | X | X | X | X | X |
| FREE Bill Pay with E-Statements | X | X | X | X | X |
| Save Money with Round Up Savings | X | X | X | X | X |
| Minimum opening balance3 | $50 | $50 | $50 | $50 | $25 |
| Apply Now | Apply Now | Apply Now | Apply Now | Visit Branch to Apply |
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.
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.
4Centier 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.
5To 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. Connect Savings APY current as of 3/17/20. If 50 or more qualified debit card transactions post per statement cycle: $0-$50,000 earn 0.25% APY | $50,000.01 and greater earn 0.25% APY. If 18 - 49 qualified debit card transactions post per statement cycle: $0-$50,000 earn 0.10% APY | $50,000.01 and greater earn 0.10% APY. Less than 18 qualified debit card transactions results in entire savings balance earn 0.01% APY, 0.01% Rate. 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.
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