e-Checking

This account is maximizes the benefit of our electronic banking services. If you primarily use a debit card, write few checks and prefer eStatements this is the account for you! Sign up for eStatements and there is no monthly service charge.

Benefits and Features

• Debit Card
• eCBT Online Banking
• eCBT Bill Payment
• View check images online or receive them in your statement for an additional $2.00
• Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks.
• Minimum opening deposit of $100
• Monthly service charge of $2.78 with paper statements or $0 with eStatements
• This account is designed for minimal check writing; you will be charged $0.78 per check written.
• Apply here for an e-Checking Account.

Centsible Checking

Do you want the flexibility and convenience of writing many checks and using a debit card? This account can meet all of your financial needs, and if you maintain a daily balance of $1,000 there is no monthly service charge.

Benefits and Features

• Unlimited Check Writing
• Debit Card
• eCBT Online Banking
• eCBT Bill Payment
• View check images online or receive them in your statement for an additional $2.00
• Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks.
• Minimum opening deposit of $100
• Monthly service charge of $ 6.78 with paper statements or $5.78 with eStatements
• Apply here for a Centsible Checking Account.

Premier Checking (55 years+)

If you are over the age of 55, Centinel Bank rewards you with no monthly service charge!

Benefits and Features

• Debit Card
• eCBT Online Banking
• eCBT Bill Payment
• View check images online or receive them in your statement for an additional $2.00
• Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks.
• No monthly service charge
• Unlimited check writing
• One box of CBT specialty checks per year at no charge
• Minimum opening deposit of $100
• Apply here for a CBT Premier Checking Account.

NOW Checking

Designed for customers maintaining a daily balance of $2,500, this account offers all the benefits of a CBT checking account and earns interest on your balance.

Benefits and Features

• Debit Card
• eCBT Online Banking
• eCBT Bill Payment
• View check images online or receive them on your statements for an additional $2.00
• Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks.
• Unlimited Check Writing
• Minimum Opening Deposit of $100
• See our current deposit rates.
• If minimum daily balance is above $2,500 there is no monthly service charge. If daily balance goes below $2,500 your monthly service charge will be $10.78 with paper statements or $9.78 with eStatements .
• There is no minimum daily balance requirement to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
• Apply here for a NOW Checking Account.

Money Market Deposit Account (MMDA)

This account offers you limited transactional activity and earns interest.

Benefits and Features

• eCBT Online Banking
• View check images online or receive them in your statements for an additional $2.00
• Sign up for Direct Deposit for your Social Security or payroll checks, and you won't have to worry about lost, stolen or undelivered checks.
• Minimum opening deposit of $100
• See our current deposit rates
• Unlimited face to face transfers between CBT accounts
• Transactions are limited to six transactions per monthly statement cycle. A service charge of $7.50 per item will be assessed for transactions that exceed these limits.
• If minimum daily balance is $2,500, there is no monthly service charge. If daily balance goes below $2,500, you will be charged a monthly service charge of $8.78 with paper statements or $7.78 with eStatements.
• There is no minimum daily balance requirement to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
• Apply here for a CBT Money Market Account.

Student or Minor Checking & Savings

Centinel Bank offers Checking (eChecking) and Savings Accounts with no monthly service charge for anyone under the age of 18 and for full time students.