Personal Banking

 

 

 

Checking Accounts

Central Bank and Trust Co. offers an array of personal checking accounts to meet each individual need. Listed below are four of our 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
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 24-hour Accidental Death and Dismemberment Insurance None
Age Requirement None 50+ None None
Additional Benefits  None 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  None


Grand Central

The Grand Central account 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 falls below $1,200 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 for official checks and money orders
    • 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 for official checks and money orders 
    • Imaged statements
    • Sojourns travel magazine
    • Savers Club Discount Coupon Book
    • 3 x 5 safe deposit box rental at no charge for the first year
    • 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
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 24-Hour 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

Our Free Checking account is 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