Centier Checking1
A flexible personal checking account experience for effortless banking!
APY:
0%
Opening Minimum:
$50
Monthly Fees:
$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month
Centier 50 Advantage1
An interest bearing checking account for clients 50 and better!
APY:
.01%-.04%*
Opening Minimum:
$50
Monthly Fees:
$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month
Connect Checking2
Centier Connect links your checking and savings – and rewards you with a premium savings rate.*
APY:
.05%-5%*
Opening Minimum:
$50 Checking and $100 Savings
Monthly Fees:
$0
with e-Statements or direct deposit, or $100 minimum daily checking account balance.
OR
$2/month
Smart Choice Checking3
A checking account with no overdraft charges when there are not enough funds in the account to cover your debit card transaction, check, or ACH.
APY:
0%
Opening Minimum:
$25
Monthly Fees:
$4
per month
Veterans Checking4
Benefits for all current military service members and veterans.
APY:
.10%4
Opening Minimum:
$25
Monthly Fees:
$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month
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 – 24/7 when utilizing e-statements.
Mobile Deposit
When you utilize Mobile Banking, deposit multiple checks directly from Centier’s mobile app.
Person-To-Person Payments
With Online/Mobile Banking, Move Money and send personal payments to friends and family in a matter of minutes with real-time P2P.
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 Junior Investors Savings account! An exciting savings account for kids to start good savings habits. Find a location near you for more information!
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?
Disclosures
1Centier 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.
2Centier 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.
3This 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.
4To 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.
^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 and Smart Choice 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 1/3/2023. 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 1.50% 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. Centier 50 Advantage: APY varies depending on account balance, $0 – $4,999 earn 0.01% APY | $5,000.01 - $24,999.99 earn 0.2% APY | $25,000 – $49,999.99 earn 0.03% APY | $50,000+ earns 0.04% APY. 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.
Centier reserves the right to discontinue any offer at any time.
