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Simple Checking Photo Simple Checking

Simple Checking means no fees with online statements. And, it means no minimum balance required to maintain the account, access to online banking, bill pay and more. You get the benefits you want. It’s simplicity itself – a checking account that just works for you.

Apply

Simple Checking offers numerous benefits for account holders, including:

  • $100 minimum deposit to open account
  • No minimum balance required
  • Free Shazam®Chek Card* with No ATM Fees**
  • Free Online Banking
  • Free Online Bill Pay
  • Bankline 24/7
  • Free Mobile Banking***
  • Free Mobile Deposit*
  • Direct Deposit
  • Free online statements or $3/statement mailed
  • Overdraft Reserve on qualifying accounts*
  • First order basic wallet checks free

Apply for your Simple Checking account using our New Deposit Account Application.

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

**If you receive an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surcharge. 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.

Service charge subject to Iowa & Local Option sales tax, excluding our South Dakota locations.

This account is a non-interest earning account.

How do I enroll for Online Banking?

You can enroll for Online Banking through the Central Bank website or contact a Central Bank personal banker.

Does Central Bank offer Mobile Banking?

Yes, Central Bank offers Mobile Banking. There is no fee; however, your Central Bank account must be linked to Online Banking, Online Statements and a Shazam®Chek Card. Please contact the Bank and let them know you would like to enroll for Mobile Banking.

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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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