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Home > Personal Banking > Checking Accounts > Personal Checking Comparison Chart
  • use this chart to compare accounts at a glance.
      Free Checking MyChoice Checking Preferred Interest Checking World Checking
    Minimum to Open $50 $50 $50 $50
    Monthly Maintenance Fee $0 $3 Avoidable Fee† $10 Avoidable Fee†† $20 Avoidable Fee†††
    Free Transactions at Central Bank ATMs Yes Yes Yes Yes
    Statement Type eStatements eStatements eStatements eStatements or paper
    ATM Refunds Outside Network* Yes Yes
    Access to Online & Mobile Banking Yes Yes Yes Yes
    Bill Pay Available for monthly fee  FREE with eStatements FREE with eStatements FREE
    Can Earn Interest     Yes Yes
    Sports Fan Upgrade Available Yes Yes Yes Yes
    Free Standard Checks, Stop Payments, Wire Transfers, and Notary Services Yes Yes Yes Yes

    To waive the monthly fee:
    †MyChoice Checking, you must receive electronic statements and one of the following:
    1. Maintain a recurring direct deposit;
    2. or, use your debit card at least 10 times for a point of transaction;
    3. or, keep an average daily balance of at least $750;                  
    4. or, set up a monthly transfer between MyChoice Checking and SaveUp Savings

    ††Preferred Interest Checking, you must have a daily balance of $1,000; or, average daily balance of $2,000 during a monthly statement cycle

    †††World Checking, you must have a $15,000 average balance; or, $250,000 relationship banking; or $250,000 Central Investment Advisors or a Central Trust client

    *ATM Refunds:
    •MyChoice Checking: Must submit the other bank's ATM receipts to any teller or customer service representative with 60 days of a transaction.'    
    •World Checking: The first four fees per statement cycle are auto-refunded.

    **Mobile Carrier data rates and text rates may apply.
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