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Smart Choice Checking Account

Smart Choice Checking3

A checking account with no overdraft charges, providing you the essential banking services you deserve without the worry.

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Account Details

Monthly Fees$4 per Month
Opening Minimum$25

Account Features

A few of the highlights you can expect!

Surcharge-Free ATM Access^

Access your funds effortlessly across an extensive network of ATMs without incurring any fees, ensuring your banking is always economical and convenient.

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Centier Visa® Debit Card

Our Debit Card merges security with convenience, offering a seamless way to manage transactions and access funds.

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Use a Digital Wallet

Utilize your favorite digital wallet to enhance your your payment experience, allowing for fast, secure transactions with a simple phone tap.

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Mobile and Online Banking

Our Mobile and Online Banking services provide secure, instant access to manage your finances anytime, anywhere, with just a few clicks.

  • Mobile Check Deposit
  • Account Notifications
  • Bill Pay

Additional Checking Accounts

Connect Checking

Open a checking and savings accounts and enjoy a premium savings rate based on debit card purchases!

Interest Checking

A checking account that provides you competitive interest on your money!

Centier Checking

A flexible personal checking account with the features you need for effortless banking!

Your Financial Guide for Money Management


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.

^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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