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Platinum Checking Photo Platinum Checking

With variable interest paid at tiered rates - the higher your balance, the better your rates – Platinum Checking is perfect for when you want to have cash available and make that balance work for you. Platinum Checking rewards your relationship and is free for Emerald Club members and customers who have their first mortgage with us.

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Platinum Checking offers attractive tiered interest rates for your balance.

Variable interest, paid monthly based on the following balance tiers:

  • $50,000.00 and above
  • $25,000.00 – ​$49,999.99
  • $10,000.00 – $24,999.99
  • Up to $9,999.99
     
  • Free Debit Card* with No ATM Fees**
  • Free Online Banking
  • Free Online Bill Pay
  • Bankline 24/7
  • Free Mobile Banking*** with Mobile Deposit*
  • Free Online Statements or free monthly statements mailed
  • Free basic wallet checks, limit 1 box/order
  • Free Cashier’s Check and Money Orders, limit 3 per month
  • Overdraft Reserve*
  • Central Bank Visa Credit Card*

Additional Information About Platinum Checking

  • $100 minimum to open account
  • $15,000 minimum consumer relationship, includes deposits and loans, to avoid fees
  • If below relationship qualifications, $9.99/statement cycle service charge
  • 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.

**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.

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

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

Contact a Personal Banker at your nearest Central Bank location.

How do I enroll for Online Banking?

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

Angela Reinert's Image

Angela Reinert

Personal Banker II

Location: Storm Lake Main Office

Work Phone:

Ashly Esquivel's Image

Ashly Esquivel

Relationship Banker II | NMLS#1744911

Location: Sioux City Main Office

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Brittny Brunning's Image

Brittny Brunning

Branch Manager I

Location: Storm Lake North Branch

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Damon Punt's Image

Damon Punt

Branch Manager I

Location: Sioux Falls Minnesota Branch

Work Phone:

Debbie Nelson's Image

Debbie Nelson

Relationship Banker II/Emerald Club Director

Location: Cherokee Main Office

Work Phone:

Dustin Pohlman's Image

Dustin Pohlman

Vice President, Regional Retail Manager

Location: Spirit Lake Main Office

Work Phone:

Ethan Moxnes's Image

Ethan Moxnes

Business Account Specialist

Location: Sioux Falls Western Branch

Work Phone:

Jessica Inrachavonga's Image

Jessica Inrachavonga

Retail Branch Supervisor

Location: Des Moines Highland Park Branch

Work Phone:

Julie Dhabalt's Image

Julie Dhabalt

Retail Branch Supervisor

Location: Cherokee Main Office

Work Phone:

Kaylea Struve's Image

Kaylea Struve

Branch Manager II | NMLS# 2014295

Location: Sioux City Main Office

Work Phone:

Nancy George's Image

Nancy George

Personal Banker II/Emerald Club Director

Location: Dakota Dunes Main Office

Work Phone:

Rhonda Rowe's Image

Rhonda Rowe

Branch Manager I

Location: Des Moines Ingersoll Branch

Work Phone:

Russell Asman's Image

Russell Asman

Branch Manager II | NMLS#1752613

Location: Des Moines Drake Branch

Work Phone:

Stacy Meyer's Image

Stacy Meyer

Personal Banker II/Emerald Club Director

Location: Storm Lake Main Office

Work Phone:

Wyatt Warkenthien's Image

Wyatt Warkenthien

Retail Branch Supervisor

Location: Sioux Falls 12th St. Branch

Work Phone:

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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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