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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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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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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