Checking

Learn More About Central Bank Personal Checking

Central Bank Student Checking

Designed specifically with young adults in mind, Central Bank’s Student Checking account provides easy access to the funds you depend on. We work hard to remove potential headaches from the personal checking process so you can focus on your studies.

• $100 Minimum Opening Balance

• No Maintenance Fee

• Free Monthly eStatements with Images

• Free Online Banking and Mobile Banking

• Visa Debit Card

• 24-Hour “Easy Access” Automated Customer Service

• Applicable for Students between 14 and 25 years old

• No Early Closing Fee After 180 Days

• Unlimited ATM fee refunds

Central Checking

Who says managing and moving your money has to be difficult? Our Central Checking accounts take a no-nonsense approach to your funds.
 

• Unlimited Check Writing

• Free Monthly eStatement

• Access to Central OnLine Web-Based Banking

• Bill Pay | Mobile Deposit | Zelle

• Visa Debit Card

• 24-Hour “Easy Access” Automated Customer Service

• Optional Overdraft Privilege*

• Automatic refund on domestic ATM fees incurred at other bank ATMs

Account Details:

$50 Deposit to Open Account, No Monthly Activity Service Charge

Central Choice Premier

Whether you’re out and about or doing business near one of our Houston bank branches, a Central Choice Premier account provides easy access to your funds.
 

• Interest Compounded and Credited Monthly

• Access to Central OnLine Web-Based Banking

• Bill Pay | Mobile Deposit | Zelle

• Visa Debit Card

• Unlimited Check Writing

• Monthly eStatement with Images

• 24-Hour “Easy Access” Automated Customer Service

• Optional Overdraft Privilege*

• Unlimited ATM fee refunds

Account Details:

$100 Deposit to Open Account, Minimum Daily Collected Balance of $5,000 or More to Avoid Monthly
Activity Service Charge of $15
This account earns interest on a positive balance.
Products Required at the Time of Account Opening: Visa Debit Card, Central OnLine and eStatement

Central Choice Senior

Geared specifically toward customers ages 55 and up, a Central Choice Senior checking account offers a range of special features other accounts don’t, such as free access to notary services!
 

• Unlimited Check Writing

• Free Temporary Checks | Free Central Bank Wallet Checks

• Free Monthly eStatement or Paper Statement

• Access to Central OnLine Web-Based Banking

• Bill Pay | Mobile Deposit | Zelle

• Visa Debit Card

• 24-Hour “Easy Access” Automated Customer Service

• $10 Annual Savings on Safe Deposit Box Rental

• 3 Free Cashier's Checks Per Month

• Optional Overdraft Privilege*

• Automatic refund on domestic ATM fees incurred at other bank ATMs

Account Details:

$50 Deposit to Open Account, No Monthly Activity Service Charge
 

Central Choice Plus Interest

With the ability to earn interest on the funds in your checking account, Central Choice Plus Interest offers options you won’t find with most other accounts.
 

• Unlimited Check Writing

• Free Monthly eStatement with Images

• Access to Central OnLine Web-Based Banking

• Bill Pay | Mobile Deposit | Zelle

• Visa Debit Card

• 24-Hour “Easy Access” Automated Customer Service

• Interest Compounded and Credited Monthly

• Optional Overdraft Privilege*

• Automatic refund on domestic ATM fees incurred at other bank ATMs

Account Details:

$100 Deposit to Open Account
Minimum Daily Collected Balance of $1,500 To Avoid Monthly Activity Service Charge Of $15**
This Account Earns Interest on a Positive Balance
 

Money Market Checking

With tiered rates, Central Bank Money Market Checking makes it possible earn more interest as your account balance increases.

• Free Monthly eStatement with Images

• Access to Central OnLine Web-Based Banking

• Visa Debit Card

• 24-Hour “Easy Access” Automated Customer Service

• Interest Compounded and Credited Monthly

• Tiered Rates Allow for Higher Earnings

• Automatic refund on domestic ATM fees incurred at other bank ATMs

Account Details:

$100 Deposit to Open Account
Minimum daily balance of $2,500 to avoid a monthly activity service charge of $15.00**
Account earns interest on a positive balance

Insured Cash Sweep (ICS)

Insured Cash Sweep (ICS) service gives you peace of mind by allowing access to multi-million-dollar FDIC protection for your demand accounts, money market deposit accounts — or both. Enjoy unlimited program withdrawals with the ICS demand option, or up to six program withdrawals per month with ICS money market deposit options.

Deposit Reclassification

Under federal law, Central Bank is required to report deposits in a certain way for regulatory reporting purposes. We are simply changing the way we report checking accounts and we are notifying you of this change. This change does not affect you in any way, and no action is required.

Effective immediately, the bank may make a change in your checking account that will not affect your available balance, interest earnings, FDIC insurance or bank statement. This change will consist of a checking sub-account and a savings sub-account. Central Bank may periodically transfer funds between the two sub-accounts. On a sixth transfer during a calendar month, any funds in the savings sub-account will be transferred back to the checking sub-account. If an account pays interest, your interest calculation will remain the same. Otherwise, the savings sub-account will be non-interest bearing. The savings sub-account will be governed by the rules governing our other savings account.

**Monthly activity service charge will be waived on the first month’s statement cycle.

*Overdraft Privilege Disclosure: Central Bank reserves the right to limit participation to one account per household and to discontinue overdraft privilege without prior notice. Overdraft fees (insufficient funds fees) of $35 each will be charged for each overdraft created on your account by check, debit card, in-person withdrawals, ATM withdrawals or other electronic means. We normally require overdrafts to be repaid within 30 days. However, we reserve the right to require you to repay an overdraft immediately upon our demand. We do not pay overdrafts on accounts in the following circumstances: A) Accounts that are not in good standing B) Accounts where the overdraft limit has been reached and C) When we reasonably believe that an overdraft will not be repaid.