Fast & Easy Account Opening
Opening a checking account is fast and easy. Enroll in just 90 seconds or less!
Treasury Management
At Central Bank, our treasury management services are designed to provide your organization the financial tools it needs to thrive.
VA Loans
Central Bank offers experience and expertise in Veterans Affairs (VA) loans for qualified veterans and service members.
Click-thru Demos & Video Tutorials
Try our digital banking products and services before you enroll.
At Central Bank, we've built our business on serving businesses in our communities, and we understand that business leaders have different needs and preferences. That's why we offer a broad a menu of checking and savings accounts suited for a variety of cash flow needs.
Compare our checking accounts below to find the one that fits your specific needs. Then, call or stop by your local Central Bank office to get started today.
Perfect for businesses with 50 or fewer transactions per month, our Small Business Checking account offers big benefits, including low or no monthly fee.
Free debit card* with no ATM fees**
Free online statements or $5 for monthly statements mailed†
Free online banking with bill pay
Free mobile banking*** with mobile deposit*
No minimum deposit to open account
$100 average monthly balance to avoid fees. If below, $5/month†. First month waived.
50 FreeIf over†:
*Debit cards and mobile deposit 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.
Closing fee of $30 applies to all accounts closed within 90 days of opening date.†
†All account fees are subject to Iowa and local option sales tax, excluding our South Dakota locations.
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Grow your business while improving efficiency and earning interest. Our Interest Checking allows for up to 200 transactions per month and ACH origination.
ACH origination, limited volume*. Contact our Treasury Management team.
Variable interest, paid monthly based on the following tiers:
$1,000 average monthly balance to avoid fees. If below, $10/month†. First month waived.
200 FreeIf over†:
*Debit cards, mobile deposit and treasury management services are subject to approval.
Designed for companies with large transaction volumes, our Analysis Checking includes an earnings credit with the ability to offset service fees.
Treasury management services available*. Contact our Treasury Management team.
$10/month†. First month waived.
Earnings credit is calculated on investable balance, and can be used to offset service fees.
Earnings credit can be used to offset service fees.
0 Free
$0.20/item for checks/deposit tickets†
$0.10/item for deposited items not on us†
Help your non-profit focus on its mission with our affordable Non-profit Checking. No monthly fee, variable interest and treasury management services.
No monthly minimum balance required
If over†:
Find the financing, resources and tools your business needs to thrive—along with the outstanding local service you deserve—at Central Bank. Count on us for: