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What type of checking account?
Not sure which checking account is right for you?
Please take a moment to answer a few questions and we will provide you with a personalized recommendation.
MaxMoney® Checking
You want a checking account with perks - access to your credit score¹, extra security, more savings, and much more! More details about MaxMoney® Checking
- Minimum to Open: $50
- Monthly Fee: $8.95
- Free Credit Scoring¹ and Monitoring²
- Free Checks
- Cell Phone Protection³
MyChoice Checking
You receive a monthly direct deposit, use your debit card frequently, and want the best in Online and Mobile Banking. More details about MyChoice Checking
- Minimum to Open: $50
- Monthly Fee: $3*
- Bill Pay: FREE with eStatements†
- Earns Interest: No
- ATM Refunds Outside Network: Yes
World Checking
Your spending is more complex than most, traveling often with high level spending amounts. More details about World Checking
- Minimum to Open: $50
- Monthly Fee: $20*
- Bill Pay: Free
- Earns Interest: Yes
- ATM Refunds Outside Network: Yes
Free Checking
A basic checking account with access to basic Online and Mobile Banking features. More details about Free Checking
- Minimum to Open: $50
- Monthly Fee: $0
- Bill Pay: See bank for details
- Earns Interest: No
- ATM Refunds Outside Network: No
Preferred Interest Checking
An account for high balances with competitive rates. More details about Preferred Interest Checking
- Minimum to Open: $50
- Monthly Fee: $10*
- Bill Pay: FREE with eStatements†
- Earns Interest: Yes
- ATM Refunds Outside Network: No
The Central Trust Bank operates under the brand names Central Bank, Jefferson Bank, and Bank Central.
Accounts under these brands are combined for FDIC Insurance coverage.
MaxMoney® Checking: ¹Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
²Registration/Activation Required.
³Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.
MyChoice Checking: ⁴To avoid the monthly fee - you must receive electronic statements and one of the following:
- Maintain a recurring direct deposit or,
- Use your debit card at least 10 times for a point of sale transaction or,
- Keep an average daily balance of at least $500 or,
- Set up a monthly recurring transfer from MyChoice Checking to either a SaveUp℠ Savings account or a Money Market account
World Checking: ⁵To avoid the monthly fee - you must have a $15,000 average balance; or; $250,000 private banking relationship; a $250,000 Central Investment Advisors relationship or be a Central Trust Company client.
Preferred Interest Checking: ⁶To avoid the monthly fee - you must have a daily balance of $1,000; or, average Daily balance of $2,000 during a monthly statement cycle.
⁷Paper statement available for a fee. See bank for details.
Technical Assistance
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Customer Service Hours
Monday-Friday: 7:00 a.m. to 5:00 p.m. MT
Saturday: 7:00 a.m. to 11:00 a.m. MT
