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.†

Click here to view a printable PDF of our checking and savings accounts.

Compare Checking Products

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.

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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.

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Checking Products Comparison

	Simple Checking	Platinum 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 balance, Emerald Club members, home loan customers, private banking clients, business executives
Minimum to open	$100	$100
Minimum to avoid Fees	None	$15,000 minimum consumer relationship including deposits and loans. If below, $9.99/statement cycle
Interest	None	Variable interest, paid monthly based on the following balance tiers: $0.00 - $9,999.99 $10,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 and above
DEBIT CARD* with no atm fees	Free and if you get an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surcharge†	Free and if you get an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surcharge†
Checks	Free first order of basic checks	Free basic checks, limit 1 box/order
Statements with check images	Free online statements or $3/statement mailed	Free online statements or free monthly statements mailed
Online Banking	Free	Free
Online Bill Pay	Free	Free
Mobile Banking**	Free	Free
Mobile Deposit*	Free	Free
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.* 0.05% bonus rate on new CDs* Platinum Checking is free for Emerald Club members and customers who have their first mortgage with us

*Debit 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.

Service charges are subject to Iowa and local option sales tax, excluding customers with an address outside the state of Iowa.

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