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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

Experience a wide array of advantages such as the ability to access and monitor your credit report1, savings on gas and retail purchases, protection for your cell phone, dark web monitoring, double credit card points, as well as free eStatements and mobile banking. More details about MaxMoney® Checking

Open Now MaxMoney® Checking

MyChoice Checking

Perfect for students or individuals seeking a convenient banking option! With free online and mobile access, no-cost money management tools, and free mobile check deposit, we are confident you will appreciate this account. More details about MyChoice Checking

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World Checking

Get ready for a really great banking experience that’s simple and safe, with lots of extra bonuses! We’ll refund ATM fees and make sure to keep a close eye on your credit report to keep you safe. And guess what? We even provide insurance for your cell phone! With all of these special benefits, banking has never been easier! More details about World Checking

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Free Checking

With just one account, you can enjoy flexible banking, competitive interest rate, and convenience all at once! You’ll have free access to online and mobile banking, making it easy to take care of your account. More details about Free Checking

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Preferred Interest Checking

A simple account that gives you free access to online and mobile banking, eStatements5, mobile check deposit, and a tool to help you manage your money. More details about Preferred Interest Checking

Open Now Preferred Interest Checking

  1. Credit 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. Back to content
  2. To avoid the monthly fee - you must receive electronic statements and one of the following:
    • Maintain a minimum daily balance of $2500.00 per statement cycle; or
    • Maintain a recurring cumulative direct deposit of $500.00 per statement cycle; or
    • Use your debit card at least 20 times for a point of sale (POS) transaction (transaction only counts if it has posted to the account during the monthly cycle; or
    • The primary account holder is under the age of 25.
      • Requirements to avoid the monthly maintenance fee will be effective the statement cycle following the primary account holder’s 25th birthday.

    You can also waive your monthly maintenance fee by maintaining $25,000.00 average daily balance in all deposit accounts. (Checking, Savings, Money Market, or Certificate of Deposit).

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  3. To avoid the monthly fee - you must have a $15,000 average daily balance; or; maintain an average daily balance of $250,000 or greater in all deposit accounts during a monthly cycle; a $250,000 Central Investment Advisors relationship or be a Central Trust Company client. Back to content
  4. To avoid the monthly fee - you must do one of the following:
    • Maintain a minimum daily balance of $5,000.00 for the monthly statement cycle; or
    • Maintain $25,000.00 average daily balance in all deposit accounts for the statement cycle. (Checking, Savings, Money Market, or Certificate of Deposit).

    Paper statements are available for a fee of $3.00 per statement cycle.

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  5. Activation/Registration required. Back to content
  6. Cell phone must be paid through this account. Special 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. Back to content
  7. Paper statements are available for a fee of $3.00 per statement cycle. Back to content

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.