Checking Accounts :: Personal Banking :: Central Bank and Trust Co.

Checking Accounts

Central Bank and Trust Co. offers an array of personal checking accounts to meet each individual need. Listed below are our four most popular accounts.

Personal Checking Accounts
	GRAND CENTRAL	PRIME TIME CLUB	CENTRAL CLUB	FREE CHECKING
Minimum Opening Deposit	$100	$100	$100	$100
Balance Requirement	$1,200 average daily ledger balance	$100 daily ledger balance	None	None
Monthly Maintenance Fee	$12 if average daily ledger balance falls below $1,200	$10 if balance falls below $100	$6 Membership Fee	None
Interest	Yes-paid on daily collected balance	Yes-paid on daily collected balance	Yes-paid on daily collected balance	No
Imaged Statements	Yes	Yes	Yes	No
Overdraft Privilege Limit (Upon Approval)	$700	$700	$400	$400
Checks	Special personalized checks provided	Special personalized checks provided	Special personalized checks provided	None
Traveler's Checks, Money Orders, Official Checks	No issue fees	No issue fees	No issue fees	Regular fees
Insurance	$10,000 Accidental Death Insurance	$100,000 Common Carrier Accidental Death Insurance	$10,000 Accidental Death and Dismemberment Insurance	None
Age Requirement	None	50+	None	None
Additional Benefits		3 x 5 safe deposit box rental at no charge for first year; Hot Line; Credit Card Bureau of America; Payment Card Protection; emergency cash advance service; key ring protection; Travelers Advantage; Sojourns magazine subscription; Savers Club discount book; estate and investment services	3 x 5 safe deposit box rental at no charge for one year on new rentals; Local connections-Online; printable coupons for favorite local merchants; Everyday Rebate Rewards; document and personal property registry; identity theft insurance; Payment Card Protection; key ring protection; ID Network Safety Service; Savers Club book; Bonus Travel; member benefits online

Grand Central

The Grand Central is for the person who wants an interest bearing account with unlimited check writing. This account requires a higher average balance, with many extra benefits....

Minimum opening deposit of $100
No maintenance fee if average daily ledger balance stays above $1,200
$12 monthly maintenance fee if average daily ledger balance is $1,200 or below during the month.
Unlimited check writing
Interest earned and paid monthly based on a daily collected balance
Included at no additional charge
- Special personalized wallet-style checks
- $10,000 Accidental Death Insurance Policy
- No fee traveler's checks, official checks, money orders and pre-authorized loan payments
- Imaged statements
Debit/ATM Card

Electronic Funds Transfer Disclosure
Account Terms and Conditions
Truth in Savings Disclosure
Fee Schedule
Funds Availability Disclosure
Deposit Rates
Apply Now

Prime Time Club

Our Prime Time Club account is for anyone 50+. This club account offers many outstanding benefits....

Minimum opening deposit of $100
No maintenance fee if daily ledger balance stays above $100
$10 monthly maintenance fee if daily ledger balance falls below $100 during the month
Interest earned and paid monthly based on a daily collected balance
Unlimited check writing
Included at no additional charge
- Special personalized wallet-style checks
- $100,000 Common Carrier Accidental Death Insurance Policy
- No fee traveler's checks, official checks, money orders and pre-authorized loan payments
- Imaged statements
- Sojourns travel magazine
- Savers Club Discount Coupon Book
- 3 x 5 safe deposit box rental at no charge first year
Debit/ATM Card

Electronic Funds Transfer Disclosure
Account Terms and Conditions
Truth in Savings Disclosure
Fee Schedule
Funds Availability Disclosure
Deposit Rates
Apply Now

Central Club

This is more than a checking account. It is a great package of services: financial advantages, security advantages, travel advantages, and convenience advantages.

Minimum opening deposit of $100
No minimum balance required
$6 Monthly Membership Fee
Interest earned and paid monthly based on a daily collected balance
Included at no additional charge
- Special personalized wallet-style checks
- $10,000 Accidental Death and Dismemberment Insurance Policy
- $5,000 Identify Theft Insurance
- ID Network Safety Service
- Everyday Rebate Rewards
- Savers Club Discount Coupon Book
- Member Benefits Online
- Many other benefits available
Debit/ATM Card

Electronic Funds Transfer Disclosure
Account Terms and Conditions
Truth in Savings Disclosure
Fee Schedule
Funds Availability Disclosure
Deposit Rates
Benefits
Apply Now

Free Checking

A free checking account for those who want easy and convenient banking with no frills and no monthly fees.**

Minimum opening deposit of $100
Free unlimited check writing
Debit/ATM Card
Overdraft Privilege (upon approval)

**Images of checks are not available.

Electronic Funds Transfer Disclosure
Account Terms and Conditions
Truth in Savings Disclosure
Fee Schedule
Funds Availability Disclosure
Apply Now