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Personal Banking

Our financial Services Representatives will work hand-in-hand with you to customize services that meet your needs. 

CENTRAL CHECKING 

Central Bank offers you Checking with:

  • Unlimited check writing
  • Monthly statement
  • Central OnLine
  • Bill Pay
  • Visa Debit Card
  • 24 hour "Easy Access" automated customer service
  • Optional Overdraft Privilege ("Ask for Details") ***

$50.00 deposit to open this account

No monthly activity service charge.

To report a lost or stolen check card, please call Account Services at 832.485.2515 during normal business hours or 800.500.1044 after normal business hours.


CENTRAL CHOICE PREMIER 

Central Bank offers you Central Choice Premier with:

  • Automatic refund of all ATM fees
  • Central OnLine
  • Bill Pay
  • Visa Debit Card
  • Unlimited check writing
  • eStatement
  • 24 hour "Easy Access" automated customer service
  • Optional Overdraft Privilege (“Ask for Details”)***

$100.00 deposit to open this account

Monthly activity service charge of $15.00 **

Minimum daily collected balance of $5,000 or more to avoid the monthly activity service charge of $15.00

This account earns interest if the minimum daily collected balance is $5,000 or more

The following products are required at the time of account opening: Visa Debit Card, Central OnLine and eStatement.

To report a lost or stolen check card, please call Account Services at 832.485.2515 during normal business hours or 800.500.1044 after normal business hours.


 CENTRAL CHOICE SENIOR (ages 55 and older) 

Central Bank offers you Central Choice Senior with:

  • Unlimited check writing
  • Monthly statement
  • Imaged Checks with Statement
  • Central OnLine
  • Bill Pay
  • Visa Debit Card
  • 24 hour "Easy Access" automated customer service
  • Free Central Bank wallet checks
  • $10.00 Annual Savings on Safe Deposit Box Rental
  • 3 Free Amercan Express Travelers Checks per month
  • 3 Free Official Checks per month
  • 3 Free Money Orders per month
  • Free basic notary services
  • Optional Overdraft Privilege***

$50.00 deposit to open this account

No monthly activity service charge

To report a lost or stolen check card, please call Account Services at 832.485.2515 during normal business hours or 800.500.1044 after normal business hours.
 

 CENTRAL CHOICE PLUS INTEREST 

Central Bank offers you Central Choice Plus Interest with:

  • Unlimited check writing
  • Monthly statement
  • Imaged Checks with Statement
  • Central OnLine
  • Bill Pay
  • Visa Debit Card
  • 24 hour "Easy Access" automated customer service
  • Interest is compounded and credited monthly
  • Optional Overdraft Privilege ***

$100.00 deposit to open this account

Minimum daily collected balance of $1,500 to avoid a monthly activity service charge of $15.00 **

This account earns interest if the minimum daily collected balance is $1,500 or more.

To report a lost or stolen check card, please call Account Services at 832.485.2515 during normal business hours or 800.500.1044 after normal business hours.
 

 MONEY MARKET CHECKING 

Central Bank offers you Money Market Checking with:

  • Limited check writing (6 pre-authorized withdrawals by check, debit card or similar order payable to third parties) per month are permitted (by law).  Additional withdrawals are $10.00 each
  • Monthly imaged statement
  • Central OnLine
  • 24 hour "Easy Access" automated customer service
  • Interest is compounded and credited monthly
  • Rates are tiered allowing you to earn a higher rate as your balance increases

$100.00 deposit to open this account

Minimum daily collected balance of $2,500 to avoid a monthly activity service charge of $15.00 ** 

This account earns interest if the minimum daily collected balance is $2,500 or more  
 


 INDIVIDUAL SAVINGS ACCOUNT 

Central Bank offers an Individual Savings Account. 

  • Four free withdrawals per quarter, each additional withdrawal $2.00
  • Maintain $200 minimum daily balance to avoid $5.00 quarterly service charge
  • Quarterly savings statement
  • Central OnLine
  • 24 hour "Easy Access" automated customer service

$200.00 deposit to open this account

Interest is compounded and paid quarterly on a daily ledger balance of $200 or more 


CDARS

Protect your investments with our Certificate of Deposit Account Registry Service®, or CDARS®, which provides access to security and peace of mind beyond $250,000.  Everything is handled through our bank.  Your large deposit is broken into smaller amounts and placed with other banks that are members of a special network.  Then, those member banks issue CDs in amounts under $250,000, so that your entire investment is eligible for FDIC insurance.  You earn one rate on your entire investment and receive one regular account statement listing all of your CDs.  Now you can invest up to $50 million and be eligible for FDIC insurance on every dollar.  Click here for more information.  


ICS

Insured Cash Sweep (ICS) service gives you peace of mind by allowing access to multimillion dollar FDIC protection on your demand accounts, money market deposit accounts, or both.  Enjoy unlimited program withdrawals using ICS demand option or up to six program withdrawals per month using the ICS money market deposit options. Click here for more information.

Click here for more information


ATM Fees 
To obtain a refund of foreign ATM fees, a fee incurred at a non-Central BankATM, you must bring in (or mail) the original receipt(s) within 60 days of the transaction. Deliver your receipt(s) to a Central Bank Financial Service Rep for processing. Include your Central Bank account number on the receipt(s).  After verification, the refund of qualifying foreign ATM fee(s) will be credited to your 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 $35.00 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.