Checking Accounts

To avoid the monthly fee - you must receive electronic statements and one of the following:

• The primary account holder is under the age of 25; or
  • Requirements to avoid the monthly maintenance fee will be effective the statement cycle following the primary account holder’s 25th birthday.
• Maintain a minimum daily balance of $2,500.00 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
• 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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Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Back to content

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Available via mobile or web only. Back to content

To avoid the monthly fee - you must do one of the following:

• Maintain a minimum 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).

Paper statements are available for a fee of $3.00 per statement cycle.

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To avoid the monthly fee - you must have a $15,000.00 average daily balance; or; maintain an average daily balance of $250,000.00 or greater in all deposit accounts during a monthly cycle; a $250,000.00 Central Investment Advisors relationship or be a Central Trust Company client. Back to content

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. Back to content