|
|
Checking
Accounts
Which checking
account is best for you? Central Bank provides a wide range of accounts
for all your financial needs.
Cents-ible Checking
- No monthly service charge.
- No minimum balance required.
- No per check charge.
- Automatic safekeeping of
checks.
- No charge for your first 25
personalized checks.
Regular Checking
- Checking with a $300 minimum
balance.
- $3 monthly service charge fee
and a $.20 per check/item charge, only if balance falls below the $300
minimum any day of the cycle.
- No charge for your first 25
personalized checks.
- Canceled check images
returned to you.
Advantage Checking
- Earn interest monthly on
available balances.
- $8 monthly service charge fee
only if the minimum balance falls below $500 any day of the cycle.
- No charge for your first 25
personalized checks.
- Canceled check images
returned to you.
Advantage Relationship*
- No monthly service charge fee
when you maintain a balance of $5,000 in any combination of loans,
checking, savings or certificates of deposit.
- Earn interest on available
balances.
- $8 monthly service charge fee
is assessed only if total of relationship balances fall below the
required $5,000 minimum any day of the cycle.
- No charge for traveler's
checks, cashier's checks, and money orders.
- Canceled check images
returned to you.
*Relationship balances do
not include dealer loans, student or mortgage loans. Qualifying total
includes outstanding balances only.
Select Club
If you're age 55 or
better, Central Bank's Select Club has many benefits that could be the
perfect fit for you. When you maintain personal deposits in a Select
Club checking account, these features are available to you:
Select Club Checking Account Features:
- No monthly service charge.
- Interest earned on available
balances, paid monthly.
- No minimum balance required.
- Unlimited check writing.
- Canceled check images
returned to you.
- Free personalized club
checks.
- Direct deposit available.
Select Club Checking Benefits:
- No charge for notary service.
- No charge for signature
guarantees.
- No monthly charge for a Central
Bank Instant Cash & Check Card.
- No charge for traveler's
checks, cashier's checks or money orders.
- No charge for local fax
service and copies.
- Club identification key
chain.
Additional Features
Available to Checking Accounts:
Central Bank Instant Cash and Check Card
- Looks like a credit card but
works like a check.
- Purchase amounts are deducted
from your checking account.
- Use to obtain cash at thousands
of Automated Teller Machines.
Central Bank Instant Cash Card
- Offers you 24-hour-a-day access
to your account at thousands of Automated Teller Machines.
Overdraft Protection
Overdraft
protection is available to qualified customers on all types of personal
checking accounts.
Investment
Options
If you're
considering making an investment, chances are Central Bank has several ideas
that are a perfect fit for your budget and investment goals. Ask us
about:
Prime Advantage
Savings
- $25,000 minimum to open.
- Earn interest on daily
collected balances, compounded monthly.
- Earn higher tiered rates of
interest on balances above $25,000.
- Four free withdrawals per
month, $5.00 transaction fee thereafter.
- Monthly service charge fee of
$15 only if the daily balance falls below $25,000.
- Limited access with special
checks.
Advantage Savings
- $1,000 minimum to open.
- Earn interest on daily collected
balances, compounded monthly.
- Earn tiered money market
rates on balances above $1,000.
- Four free withdrawals per
month, $.50 transaction fee thereafter.
- Monthly service charge fee of
$6 only if the average daily balance falls below $1,000.
- Limited access with special
checks.
Regular Savings
- $100 minimum to open.
- Earn interest on daily collected
balances, compounded monthly.
- Four free withdrawals per
month, $.50 transaction fee thereafter.
- Monthly service charge fee of
$3 only if the average daily balance falls below $100.
- No minimum balance for
customers under 18.
DePawsit Club 
- For kids ages 0-13.
- Earn interest on daily
collected balances, compounded monthly.
- No minimum balance required.
- No service fee charge
monthly.
- Four free withdrawals per
month, $.50 transaction fee thereafter.
See the Truth in Savings
Disclosure for full account details regarding our checking and savings
accounts.
Certificates of
Deposit
- Investment terms from 3
months to 48 months available.
- Guaranteed interest rate
based upon initial deposit.
- Substantial penalty for early
withdrawal: for terms under 12 months, 3 months interest; for
terms 12 months and over, 6 months interest.
Individual
Retirement Accounts - IRAs
- Central Bank offers a variety
of investment options.
The Roth IRA:
- Tax-free distributions if
held five years and used for a qualified purpose.
The Educational IRA:
- Tax-free withdrawals for
qualified education expenses.
The Traditional IRA:
- Expanded tax-deferred
savings.
Consumer
Loans
Central Bank has
a consumer loan that is the perfect one for you. Use one to purchase an
automobile or recreational vehicle, make home improvements, take a vacation
or make an investment, whatever fits your needs!
Consumer Installment Loans
- Home Equity Credit Lines and
Installment Loans
- Residential Construction
Loans
- Home Improvement Loans
- Automobile Loans
- Recreational Vehicle Loans
- Overdraft Protection
- Advances funds automatically
into your checking account, preventing overdrafts.
Automatic Payments:
- An automatic payment from
your Central Bank account entitles you to a discount rate!
Safe
Deposit Boxes
Safe deposit
boxes are available at all locations in a variety of sizes.
|
