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Free Checking Benefits

Get what you need and more with our selection of free* checking accounts. Central One offers you the right account for your lifestyle.

Checking Accounts

Premium Checking

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Regular Checking

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Student Checking

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All of our personal checking accounts are free and offer these great features and benefits:

  • No monthly service charge
  • No minimum balance required
  • Earn interest monthly**
  • Instant card replacement
  • Card Control App – monitor and manage your card
  • ClickSWITCH – easily updates automatic payments and direct deposits

Ready to open your free checking account?

  • 1 While Central One does not charge for mobile banking, your mobile carrier’s message and data rates may apply. Must be 18 years of age

    2 Free ATM network includes Central One, SUM and Allpoint terminals. Out of network terminal owners may charge a service fee.

    3 Premium Checking Terms Apply. Please see Our Rates and Service Charge Disclosure and Member Service Agreement for details.

    *No monthly service charges or minimum balance required.

    **Dividends based on average daily balance, visit our rates page for current Annual Percentage Yield (APY).

    ^ Some restrictions apply; excludes 15/5 ARM mortgages and lines of credit.

    All accounts must meet eligibility requirements. All checking accounts are considered variable rate accounts and rates are subject to change at any time without notice. Fees or other conditions may reduce earnings on the account. See Our Rates and Service Charge Disclosure and Member Service Agreement for details.

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