Personal Checking Accounts

Checking Accounts for your Everyday Needs

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Checking

Free Checking, Rewards Checking & More Checking Options

At Central Bank, we believe the way you manage your money should fit your lifestyle, and the right checking account is the perfect place to start.

We offer a variety of checking accounts to meet the needs of all our customers, whether you're a check writer, strictly digital, or somewhere in-between. Take a look at our checking accounts, then use our convenient New Deposit Account Application to open your new account online.

ATMs – Access Central Bank ATMs with the knowledge that there are ZERO surcharges or fees applied! Access other ATMs with the opportunity to have all surcharges refunded by Central Bank. 

Compare Checking Products

Free Checking Plus

Simple checking

Simple Checking offers the benefits of a traditional checking account without the high monthly fees you find at other banks. Learn more about Simple Checking

Apply
Rewards Checking Plus

Shamrock checking

If you typically keep a higher balance in your checking account, Rewards Checking Plus offers a variable interest rate along with the comprehensive services our entire line of checking accounts offer. Learn more about Shamrock Checking

Apply
Platinum Checking

Platinum Checking

Platinum Checking from Central Bank is a reward for our customers who have at least $15,000 in a combined deposit and loan relationship with us. Learn more about Platinum Checking.

Apply
 

Checking Products Comparison

 Simple CheckingShamrock checkingPlatinum Checking
Perfect for:Paperless checking for those who don’t want to worry about balance requirements.Those who like to keep a higher checking account balanceEmerald Club members, home loan customers, private banking clients, business executives
Minimum to open$100$100$100
Minimum to avoid FeesNone$500 minimum or $1,000 average monthly balance. If below, $7.99/month$15,000 minimum consumer relationship including deposits and loans. If below, $9.99/month
InterestNoneVariable interest, paid monthly
Variable interest, paid monthly based on the following balance tiers:
$0 - $9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 and above
SHAZAM®CHEK CARD* with no atm feesFree and if you get an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surchargeFree and if you get an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surchargeFree and if you get an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surcharge
ChecksFree first order of basic checksFree first order of basic checksFree basic checks, limit 1 box/order
Statements with check imagesFree online statements or $3 for monthly statements mailedFree online statements or $3 for monthly statements mailedFree online statements or free monthly statements mailed
Online BankingFreeFreeFree
Online Bill PayFreeFreeFree
Mobile Banking**FreeFreeFree
Mobile DepositFreeFreeFree
Additional Benefits

Central Bank Visa® Credit Card

Overdraft Reserve*

Central Bank Visa® Credit Card

Overdraft Reserve*

Free Cashier’s Checks and Money Orders, limit 3 per month

Closed-end consumer loan rate reduction of 0.25% on any new loan.***

$150 off mortgage origination fees

 

Central Bank Visa® Credit Card

Overdraft Reserve*

Free Cashier’s Checks and Money Orders, limit 3 per month

Closed-end consumer loan rate reduction of 0.25% on any new loan.***

$150 off mortgage origination fees

0.10% bonus rate on new CDs

Platinum Checking is free for Emerald Club members and customers who have their first mortgage with us

 

*Shazam®Chek Card, Mobile Deposit, Overdraft Reserve and Credit Cards are subject to approval.

Excludes foreign surcharge fees. 

**Although Central Bank does not charge for Mobile Banking, standard text messaging and data plan fees from your mobile phone carrier may apply. Please consult your carrier before using Mobile Banking.

***Rate reduction or bonus is not valid with any other promotional offers. 

All account fees are subject to Iowa & Local Option sales tax.

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You are leaving the Central Bank website. We are not endorsing or guaranteeing the products, information or recommendations provided by the organizations linked to our website. We are not liable for any failure of products or services advertised on those sites. We are not responsible for the validity, collection, use or security of information by organizations that may be linked to our website. We encourage you to read the privacy policies of websites reached through the use of links from the Central Bank website.

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