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 CENTRAL CHECKING 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 Maintenance 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
Age Requirement None 50+ None None
Additional Benefits  None 3 x 5 safe deposit box rental at no charge for one year on new rentals 3 x 5 safe deposit box rental at no charge for one year on new rentals  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
    • 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

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
    • No fee for official checks and money orders 
    • Imaged statements
    • 3 x 5 safe deposit box rental at no charge for the first year (new rentals only)
  • 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 Checking

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 Maintenance Fee
  • Interest earned and paid monthly based on a daily collected balance
  • Included at no additional charge
    • Special personalized wallet-style checks
  • Debit/ATM Card

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