Checking Accounts

Meet your Money's New Favorite Checking Account

Experience the best in service, protection, and banking technology—all designed to give you more confidence and control.

Bank Your Way: Choose the Account That Fits You

Your goals, your habits, your account—tailored to fit the way you manage money.

1/5 Most Popular

MyChoice Checking

Flexible everyday banking, free for anyone under 25 years enrolled in eStatements.

$5 or $0 monthly fee
How to Avoid the Fee

Includes:

All

standard checking features

plus:

  • Get Paid Earlydisclosure 1

  • Out-of-Network ATM fee refunds

  • Free Online Bill Pay when Enrolled in eStatements

Open Now - MyChoice Checking Explore Account - MyChoice Checking
2/5 Most Perks

MaxMoney Checking*

Access extra protections, credit tools, and rewards, great for anyone wanting extra value.

$9.95 monthly fee

Includes:

Everything in MyChoice checking plus:

  • Fraud Monitoring for Your Identity

  • Monitor for Online Data Leaks

  • Coverage for Lost or Broken Phones

  • + 11 Additional Features

Open Now - MaxMoney Checking* Explore Account - MaxMoney Checking*
3/5

Preferred Interest Checking

Earn interest while you manage your money, best for earners who want long term growth.

$10 or $0 monthly fee
How to Avoid the Fee

Includes:

Everything in MyChoice checking plus:

  • Earn Interest

  • Syncs with Personal Accounting Software

Open Now - Preferred Interest Checking Explore Account - Preferred Interest Checking
4/5 VIP Benefits

World Checking*

Premium banking with global access, ideal for anyone who expects elevated perks.

$20 or $0 monthly fee
How to Avoid the Fee

Includes:

Everything in MyChoice checking plus:

  • Earn Interest

  • Keep Track of Your Credit

  • Free Online Bill Pay

  • + 11 Additional Features

Open Now - World Checking* Explore Account - World Checking*
5/5

Free Checking

Simple, basic checking, good as a secondary account or for light account activity.

No maintenance fee

Includes:

All

standard checking features

with:

  • Limited Check Writing

  • Paper statements available for $3 per month

  • Online Bill Pay available for $5.95 per month

Open Now - Free Checking Explore Account - Free Checking

Not Sure Which Account Is Right for You?

Answer a few quick questions about your money habits, and we'll recommend a checking account that fits your lifestyle.

Help Me Decide

Powerful Banking Features, Always Included

Better checking means better tools—here's what you get, right from the start.
information on a mobile phone

Bank Anytime, Anywhere

Online and in-app tools give you 24/7 access to your account.
phone alert

Account Alerts

Stay in the loop with real-time updates on balances, card activity, transactions, deposits, and more.
bank check in front of phone

Mobile Deposit

Deposit checks safely and securely—anytime, anywhere. Just snap a photo and submit.
secure bank card

Lock Your Card

Lock or unlock your debit card whenever it's misplaced, giving you fast protection and added peach of mind.
mobile phone transmitting signal

Pay Your Way—Phone, Watch, or Card

Leave your wallet in your pocket and use your Central Bank Debit Mastercard® inside your digital wallet.
document

Online Statements

View and download up to seven years of statements securely online—simple and convenient.
people under an umbrella

Overdraft Options

Choose how your account handles transactions when funds are low.
mobile to mobile transfer

Send Money Quickly

With Zelle®disclosure2, send money to people you know and trust directly from Online and Mobile Banking, quickly and securely.

Bank with Confidence

Enjoy straightforward banking from a company consistently recognized by Forbes as one of America’s best banks, designed to make managing your money easier every day.

Money Manager

Know Where Your Money Goes

Track your spending, subscriptions, and goals with minimal setup. Automated tracking and personalized insights bring everything together—link external accounts for a complete picture.
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Locations

Nationwide Convenience at Your Fingertips

Wherever life takes you, you'll have access to over 39,000 ATMs and a network of branch locations across multiple states.
Testimonials

Real Customers. Real Experiences.

What sets us apart? Service that's personal, helpful, and ready when you need it.
  • ...made the process so easy
    Had to recently switch my banks and they made the process so easy.
    Natalie C.
    Google Review
  • ...very friendly service
    Just moved to MO and opened accounts in no time with very friendly service.
    Ryan N.
    Google Review
  • Very impressed with my experience...
    Very impressed with my experience at Central Bank. Renea was fantastic. Everything was communicated very well and everything happened on schedule. I was so happy with my loan experience that I changed my main banking to Central.
    Keefe H.
    Google Review
  • I have been a customer for 47 years...
    I have been a customer for 47 years and would not bank anywhere else. I have purchased multiple cars and homes through them. I find the staff friendly and helpful. I use the mobile app and the drive through on a regular basis with no problem.
    Julie G.
    Google Review
  • Just moved back...
    Just moved back to Missouri from Texas and was pleasantly surprised by the service.
    Pat S.
    Google Review
  • Staff is always friendly...
    Staff is always friendly very efficient and always greet you with a smile as well as they have awesome bonuses for banking with them.
    Carrie C
    Google Review
  • Great customer service...
    Great customer service - I had charges that were posted to my account that were fraudulent and they took care of it with professionalism.
    Adam W
    Google Review
  • Amazing bank, amazing people!
    Amazing bank, amazing people! Customer service is second to none. Would highly recommend to anyone looking for a new bank.
    Johne M
    Google Review

Your Card, Your Style

Choose from a variety of debit card designs, with select layouts in horizontal or vertical formats — plus sports team cards, some offering exclusive perks.

Checking Today, Growth for Tomorrow

Start with a checking account that fits your life—and know we’re here for every step ahead. From savings and credit cards to CDs and loans, we offer smart tools and products to help your money grow with you.
Learn

Navigate Your Finances with Confidence

Access expert insights and practical resources—from checking to saving, budgeting, and beyond—to guide every step of your financial journey.
Explore Our Learning Center

Disclosures and Information

  1. Early availability is not guaranteed and may vary between deposits and may depend on instructions sent by the payer or any limitations we set. Not all direct deposits qualify. Available for eligible accounts: MaxMoney, MyChoice, World, World Elite, and Preferred Interest. Enrollment is required. See our Early Direct Deposit Agreement for more details.Back to content
  2. Zelle is intended for sending money to family, friends and people you are familiar with. We recommend that you not use Zelle to send money to anyone you don’t know. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.Back to content
  1. * Some benefits require registration and activation. For complete details of this checking account, speak with a Central Bank representative.
  2. This card is issued by The Central Trust Bank pursuant to a license by Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Subject to credit approval.