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
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
- 24/7 Online & Mobile banking1
- eStatements
- Mobile check deposit
- Online Bill Pay and FAQ’s
- 55,000 fee-free ATM’s2
- 5,000+ Shared Branch locations
- Budgeting & account management help with Money Management
Features & Benefits | Premium Checking |
Regular Checking |
Student Checking |
---|---|---|---|
Cash back globally |
True |
False |
False |
Consumer loan discount |
True |
True |
False |
Overdraft Protection available |
True |
True |
True |
Early access to payroll and regular direct deposit |
True |
False |
False |
ATM Reimbursement |
True |
False |
False |
Mortgage discount program |
True |
False |
False |
Ready to open your free checking account?
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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.
Regular Checking Benefits
Our free, Regular Checking account is an interest-bearing account offering the features you’ve come to expect in a checking product. We promise … it really is free!
- Receive 0.25% discount on Consumer Loans^ when payment is auto-deducted
- Overdraft protection options available
- No Foreign Transaction Fee
- PLUSÂ all of the standard features and benefits listed below
Student Checking Benefits
Our free Student Checking account is designed with input from educators to help parents guide their children towards adopting excellent money management skills.
- Debit card included
- Primary account holder must be 13 years or older
- If under 18 years of age, a parent or guardian must be on the account jointly
- Complimentary first order of basic checks for account holders age 16 and older
- Cannot be overdrawn
- PLUS all standard features and benefits listed below
- Account must be opened by calling the Member Support Center at 800-527-1017 or by visiting a branch location.
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Rates effective as of: April 4, 2025
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Ice Cream Day Dates
All Ice Cream Day events are from 4:00 – 6:00 pm.
June 12th- Auburn Branch, 63 Southbridge Street
July 24th- Westborough Branch, 40 South Street
July 31st- Milford Branch, 82 Prospect Street
August 7th- Northborough Branch, 148 Main Street
August 28th- Shrewsbury Branch, 714 Main Street
August 15th- Worcester (Saint Vincent Hospital) Branch – We’ll be serving Goody’s Kettle Corn at the branch all day!
Food Truck Dates
All Food Truck Events are from 11:00 am – 1:00 pm.
July 12th- Westborough Branch, 40 South Street: Tacoborough Food Truck
August 9th- Shrewsbury Branch, 714 Main Street: Savage Wraps Food Truck
August 14th- Worcester (Saint Vincent Hospital) Branch – Garden Fresh sandwiches in-branch
August 23rd- Auburn Branch, 63 Southbridge Street: Bird’s Nest Panini Food Truck
September 6th- Northborough Branch, 148 Main Street: Tacoborough Food Truck
Milford – Off the Hook
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