Checking Accounts

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!

Rather apply in person? Find a banking center near you.

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
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.*
Earns Interest X X
Fee Free Nationwide ATMs with Allpoint X X X X
Centier Visa® Debit Card X X X X
Free Online Services X X X X
Free / Discounted Services
(Safety deposit boxes, money orders, discounted fees)
Free Mobile & Online Banking X X X X
Unlimited Check Writing X X X X
FREE Bill Pay with E-Statements X X X X
Save Money with Round Up Savings X X X X
Minimum opening balance3 $50 $50 $50 $50
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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 and 50 Advantage 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.

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.

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.

*Annual percentage yields as of 8/1/17: 2.00% APY on savings balances of $0.00 - $18,000; 0.18% APY paid on balance over $18,000 with 18 qualified debit card transactions posted and settled on linked Connect Checking account per statement cycle. If 18 qualified debit card transactions do not post and settle per statement cycle, APY on entire savings balance in the account will be 0.01%. ATM transactions do not count as qualified debit card transactions. Bank is not responsible for merchant settlement delays. Rates on Connect Savings account vary based on debit card activity on Connect Checking account and are subject to change without notice.

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.

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

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– Vicki W.

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