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 Personal Checking

Welcome to Money for Life on your terms.  We have a personal checking option to fit your life.  Choose from one of the following account types. 

 

Central Freedom

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Account snapshot: free checking account

Good for: those who want the freedom from monthly fees and minimum balances

Minimum to open: $100

Minimum Balance Requirement: None

Monthly service charge: None

Number of Checks: Unlimited

Free Checks: 1st order free

Free Online Banking: Yes

Free E-Statements: Yes

Additional Bank Services:

  • Free VISA Check Card

  • Free monthly statement

  • Free safe deposit box for one year

  • Free Homeowners or Auto Insurance Quote

  • Bounce Protection up to $500

 

Upgrade to a Central Freedom Plus account for $7.99/month* to get these great extras:

  • Earn Interest – see our current rates
  • Check images included in monthly statement
  • Free Online Bill Pay
  • Free Checks -- all the time!
  • Free Personal Money Orders
  • Free Traveler's Cheques
  • Free non-CNB ATM Transactions (2 per month)
  • Free Notary Service
  • Free Financial "Check Up" with a CNB Investment Professional
  • Bounce Protection up to $750

* $7.99 monthly membership fee is waived for customers with deposit relationships of $25,000 or more.

 

Central e-Checking

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Account snapshot:  interest checking for the Internet user

Good for: those who write few checks and want to earn interest

Minimum to open: $100

Minimum Balance Requirement: None

Monthly service charge: None

Interest earning: Yes; see our current rates

Number of Checks: 5 per month; $1.25 for each additional check

Free Online Banking: Yes

Free E-Statements: Yes

Free Online Bill Pay: Yes

Additional Bank Services:

  • Free VISA Check Card

  • Free monthly statement

  • Free safe deposit box for one year

  • Free Homeowners or Auto Insurance Quote

  • Free Financial "Check Up" with a CNB Investment Professional
  • Bounce Protection up to $500

 

Central Classic

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Account snapshot:  free checking for age 55+

Good for: those above age 55

Minimum to open: $100

Minimum Balance Requirement: None

Monthly service charge: None

Number of Checks: Unlimited

Free Checks: Yes, always!

Free Online Banking: Yes

Free E-Statements: Yes

Additional Bank Services:

  • Free VISA Check Card

  • Free monthly statement

  • Free safe deposit box for one year

  • Free Homeowners or Auto Insurance Quote

  • Bounce Protection up to $500

 

Upgrade to a Central Classic Plus account for $3.99/month* to get these great extras:

  • Earn Interest – see our current rates
  • Check images included in monthly statement
  • Free Online Bill Pay
  • Free Personal Money Orders
  • Free Traveler's Cheques
  • Free non-CNB ATM Transactions (2 per month)
  • Free Notary Service
  • Free Financial "Check Up" with a CNB Investment Professional
  • Bounce Protection overdraft privilege up to $750

* $3.99 monthly membership fee is waived for customers with deposit relationships of $25,000 or more.

 

Central Premier

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Account snapshot: earn competitive rates of interest based on balance tiers

Good for: those who want a high interest rate and carry a high balance

Minimum to open: $1,000

Minimum Balance Requirement: $1,000

Monthly service charge: None; $10 if balance falls below $1,000

Interest earning: Yes; see our current rates

Number of Checks: Unlimited

Free Checks: 1st order free

Free Online Banking: Yes

Free E-Statements: Yes

Additional Bank Services:

  • Free VISA Check Card

  • Free monthly statement including check images

  • Free safe deposit box for one year

  • Free Homeowners or Auto Insurance Quote

  • Free Financial "Check Up" with a CNB Investment Professional
  • Bounce Protection up to $1,000

 

Central Scholar

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Account snapshot: student checking for ages 18-24

Good for: students wanting a checking account with all the perks

Minimum to open: $50

Minimum Balance Requirement: None

Monthly service charge: None; $10 for age 25+

Number of Checks: 5 per month; $1.25 for each additional check

Free non-CNB ATM Transactions: 3 per month

Free Incoming Wire Transfers

Free Checks: 1st order free

Free Online Banking: Yes

Free E-Statements: Yes

Free Online Bill Pay: Yes

Additional Bank Services:

  • Free VISA Check Card

  • Free fee refund coupon

  • Free monthly statement including check images

  • Free Homeowners, Renters, or Auto Insurance Quote

  • Free Financial "Check Up" with a CNB Investment Professional
  • Bounce Protection up to $300

 

Central Student

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Account snapshot: starter checking account for ages 12-17

Good for: a young adult’s first checking account

Minimum to open: $10

Minimum Balance Requirement: None

Monthly service charge: None

Free Checks: 1st order free

Free Online Banking: Yes

Free Mobile Banking: Yes

Free E-Statements: Yes

Additional Bank Services:

  • Free VISA Check Card with $100 ATM Limit and $250 POS Limit

  • An instructional booklet teaching the young adult how to responsibly manage a checking account will be explained at account opening
  • May elect to transition to “Central Scholar” account at age 18

 

 

Central Patriot

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Account snapshot: free checking for active-duty military & dependants, police officers, and firefighters

Good for: the "patriots" who serve our country on a daily basis

Minimum to open: $50

Minimum Balance Requirement: None

Monthly service charge: None

Number of Checks: Unlimited

Free Checks: 1st order free

Free Online Banking: Yes

Free E-Statements: Yes

Free Online Bill Pay: Yes

Additional Bank Services:

  • Free VISA Check Card

  • Free monthly statement including check images

  • Free Homeowners or Auto Insurance Quote

  • Free Financial "Check Up" with a CNB Investment Professional
  • Bounce Protection up to $500

Central New Opportunity Checking

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Account snapshot: checking account offering a second chance at a first-class bank account

Good for: those who have had past banking challenges and are looking for a starter account to regain their financial strength, and eliminate costly check cashing fees

Minimum to open: $50

Minimum Balance Requirement: None

Monthly service charge: $9.99; discounted to $7.99 with direct deposit enrollment

Number of Checks: Unlimited

Free Online Banking: Yes

Free E-Statements: Yes

Additional Bank Services:

  • Free VISA Check Card

  • Free monthly statement

  • Free Homeowners or Auto Insurance Quote

Central first step Checking

Compare Accounts | Apply Now »

 

Account snapshot: checking account offering a second chance at a first-class bank account

Good for: those who have had past banking challenges and are looking for a starter account to regain their financial strength, and eliminate costly check cashing fees

Minimum to open: $50

Minimum Balance Requirement: None

Monthly service charge: $9.99; discounted to $7.99 with direct deposit enrollment

Free Online Banking: Yes

Free E-Statements: Yes

Additional Bank Services:

  • Free VISA Check Card

  • Free monthly statement

  • Free Homeowners or Auto Insurance Quote

 

Personal Checking

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More Options

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