Free
Checking*
Zero
Connect
Checking & Savings1
$50 Checking & $100 Savings
More Checking Products
Student
Checking4
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. Find an ATM Near You.
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.
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 and a 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. Read more about overdraft protection.
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.
Did you know you can send money directly to anyone, even if they are not a Centier Client?
Our Connect Checking, Centier Checking, 50 Advantage Checking, and Interest Checking can all be opened online or in a branch. Opening a checking account online with us is quick and easy. Here's a step-by-step guide on how our online checking account opening process works.
- Choose Your Account: Select the checking account that best suits your needs. We offer a variety of checking accounts, each designed to provide different benefits.
- Start Your Online Application: Click on the "Open My Account" button below to your chosen checking account. This will take you to our secure online account opening form.
- Fill Out the Let’s Get Started Form: Complete the online checking account application prompts with your personal information including your name, email address, and mailing address. You will also be prompted to verify your email address by entering a code.
- Verify Your Identity: To ensure the security of your accounts, we will need to verify your identity. This process includes providing some security information, including your Driver’s License number and Social Security Number.
- Funding Your Account: You will have the option to fund your new checking account online by transferring funds from an existing bank account or using a debit card.
- Review and Submit: Before submitting your application, review all the information you've entered to make sure it's accurate. Once you're satisfied, click the "Submit" button to complete the online account opening process.
- Account Confirmation: Once your application has been submitted, you will receive an email regarding next steps.
- Start Using Your Account: With your online checking account open, you can start making deposits, writing checks, and managing your finances online or in our mobile app.
For our Student Checking, Smart Choice Checking, and Veterans Checking, you can start the process online and then come into the branch at your convenience to complete the process.
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).
1Centier 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.
2Centier 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.
3Interest Checking accounts require direct deposit or e-Statements and a $500 minimum daily balance or a $1,000 average monthly balance to avoid a $4.00 monthly service charge.
4To qualify for this account, you must be between the ages of 14 and 24. If you are under the age of 18, your parent or guardian must also sign on the Centier Student Checking account. At the age of 25, your account will automatically convert to the Centier Checking account. You must deposit $25.00 to open this account. This account is not eligible for Overdraft Advantage®.
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.
6This 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.
^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.
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