No matter your needs,
we have the right account for you

Earn up to $800¹ in 2 Easy Steps

  1. Open any eligible checking account, and
  2. Have two or more direct deposits within the first 90 days totaling:
    • $250 to $4,999.99 to earn $300
    • $5,000 or more to earn $800

Promo Code: JOIN


MyChoice Checking

A great choice whether you're a student looking to start your financial journey, or you are established and looking for benefits that fit your lifestyle.

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MaxMoney Checking

Go above and beyond your typical checking account! Enjoy extra security, resources, and savings to help you maximize your money. disclosure 5

  • $9.95 monthly fee

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World Checking

Receive first-rate customer service, access to exclusive services, and a premium rate on your account.

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Preferred Interest Checking

Flexible banking, competitive interest rates, and convenience all with one account.

Open Now

Everything You Need

Easily Pay

With your digital wallet, whether you're in store or online.

Located Near You

Want to visit with our friendly staff? We are here to answer any questions you might have – come see us at any location near you!

More ATM Locations

Get access to your money, wherever you are! Enjoy using more than 37,000 free ATMs nationwide. Need banking help on Saturday or after hours? Our Video Teller Machines are available 7 a.m. – 7 p.m.!

Enjoy innovative tools to help you save more money!

Our customers saved a total of $10 million over the last year with our checking and RoundUp savings tool!

Access Popular Features Even Faster!

With innovative tools like the Home Screen Widget – quickly access cards, transfers, mobile check deposit, and Zelle®³ – you can manage your new checking account even easier!

It’s all about creating the best banking experience for you! From our service standards, to the technology and tools (that we use, too!), see for yourself what it means to bank better! You’ll be happy you did.

Your Finances at Your Fingertips

Access your account from anywhere, anytime, and stay on top of your finances while enjoying your favorite activities with the Central Bank Mobile App!²

Whatever you’re doing, it’s convenient and flexible to stay up to date on your account from anywhere.

Download the Central Bank Mobile App using the below links.

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Make Your Banking Life Easier

Experience Over 120 Years of Banking Excellence

Stop by any branch location and say “hi!” – we’re ready to help serve your financial needs!

Whether it’s your everyday banking needs, or helping you build for the long-term, don't miss out on this opportunity to take your banking to the next level.

  1. To receive a bonus, you must: (1) open and maintain any personal checking account except Free Checking. Free Checking is not an eligible checking account. (2) Deposit $50 or more at account opening, and (3) have at least two or more direct deposits within 90 days after account opening that total; $250 to $4,999.99 to earn the $300 bonus or $5,000 or more to earn the $800 bonus. No minimum balance required for Bonus. Qualifying types of Direct Deposits include any direct deposit from Payroll, Pension or Government Benefit. Bonuses are reported to the IRS as interest. Bonuses will be deposited into the checking account within 15 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days. This offer is only available in the St. Louis market. Available to new checking account customers only. Offer is not available to those whose accounts have been closed with a negative balance within the last 2 years. You will receive only one new checking account opening related bonus every two years from the last date incentive was paid. Only one bonus per household. Customer must bring in mailer or use offer code to receive incentive. Offer may only be redeemed by the intended recipient and is nontransferable. Eligibility for this offer will be verified prior to providing the bonus. The new checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus. We reserve the right to not open accounts for customers outside our market area. Please contact us for further details. Promotion ends 1/6/2025. Back to content
  2. Mobile carrier data and text rates may apply. Back to content
  3. Registration/activation required. Back to content
  4. MyChoice Checking: To avoid the monthly fee - you must receive electronic statements and one of the following:
    • Maintain a minimum daily balance of $2500.00 per statement cycle; or
    • Maintain a recurring cumulative direct deposit of $500.00 per statement cycle; or
    • Use your debit card at least 20 times for a point of sale (POS) transaction (transaction only counts if it has posted to the account during the monthly cycle; or
    • The primary account holder is under the age of 25.
      • Requirements to avoid the monthly maintenance fee will be effective the statement cycle following the primary account holder’s 25th birthday.

    You can also waive your monthly maintenance fee by maintaining $25,000.00 average daily balance in all deposit accounts. (Checking, Savings, Money Market, or Certificate of Deposit).

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  5. MaxMoney Checking: Must submit the other bank’s ATM receipts to any teller or customer service representative within 60 days of a transaction. ATM refund will be limited to $10 per receipt with a maximum of $25 per statement cycle.

    Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.

    Additional terms, conditions and exclusions apply and are subject to change.

    Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency. Not a deposit of or guaranteed by the bank or any bank affiliate.

    Available via mobile or web only.

    You will have access to your credit report and core provided your information has been verified by the CR

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  6. World Checking: To avoid the monthly fee - you must have a $15,000 average balance; or; $250,000 private banking relationship; a $250,000 Central Investment Advisors relationship or be a Central Trust Company client. Back to content
  7. Preferred Interest Checking: To avoid the monthly fee - you must have a daily balance of $5,000.00 for the monthly statement cycle; or,
    Maintain $25,000.00 average daily balance in all deposit accounts for the statement cycle (Checking, Savings, Money Market, or Certificate of Deposit). Back to content