Free checking plus more
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Our Products
Browse and compare our checking account options to find the one that suits your needs.
| Premium Checking | Free Checking | Student Checking | |
|---|---|---|---|
|
Best for: |
Earning $0.10 cash back for every purchase |
Earning a 0.25% discount on consumer loans |
Healthy money management skills |
|
Monthly Service Charge |
$0 |
$0 |
$0 |
|
Balance Requirement |
No |
No |
No |
|
Interest Paid |
Yes |
No |
Yes |
|
Free Cleared Checks Monthly |
250 |
100 |
50 |
|
Business Debit Card |
Yes |
Yes |
Yes |
*If daily average balance falls below $25,000, the account will be charged a monthly service charge of $25.
Rates as low as 5.12% APR**
View Rates
Monthly Payment
Special Offers
Central One offers a free Premium Checking Account to build toward your financial success with no minimum balance requirements and no monthly service charges. Get started with a $1,500 per month direct deposit.
Cash Back
10¢ cash back for every POS (point of sale) transaction
Get Paid Early
Receive your regular direct deposits up to 2 days early
ATM Reimbursements
Get up to $12 per month for out-of-network ATM fees*
Bank when you're not at home
Access to over 55,000 fee-free ATMs* through the SUM and Allpoint Networks. Plus, we offer over 5,000 CO-OP shared branches.
Mobile Wallet
All Central One debit and credit cards are compatible with Mobile Wallets such as Apple Pay, Google Pay, Samsung Pay, Visa Checkout, Microsoft Pay.
Instant Card Replacement
Lost or stolen cards can be instantly replaced at any of our full-service branches during normal business hours.
Regular Checking
Get a 0.25% discount on Consumer Loans ^ with auto pay
Overdraft Protection available
Plus, all of the standard benefits below
Student Checking
Helps students adopt healthy money management skills
Daily limits on ATM and point of sale transactions, account cannot be overdrawn
Plus, all of the standard benefits below
-
*Free ATM network includes Central One, SUM and Allpoint terminals. Out of network terminal owners may charge a service fee.
**Dividends based on average daily balance, visit Our Rates and Service Charge Disclosure for current Annual Percentage Yield (APY). Dividend rates are accurate as of the last dividend declaration date.
¹ Premium Checking Terms Apply. Please see Our Rates and Service Charge Disclosure and Member Service Agreement for details.
^ 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.
Rates
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Example rates
| Term | APR* |
|---|---|
|
36 months |
3.50% |
|
48 months |
3.75% |
|
60 months |
4.00% |
|
72 months |
4.25% |
Rates effective as of: April 4, 2025
APR = Annual Percentage Rate
All features
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Rates effective as of: April 4, 2025
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Open Account
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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