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Centinel Bank employees at the Home Expo in Taos.

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Personal Checking & Savings

Centinel Bank is proud to offer the following products and services to our customers. Click on the product or service you are interested in to find out more. For a quick checklist for how to open one of these personal accounts at Centinel Bank, see our account Switch Kit (pdf) for more information.

Account Name Learn More Minimum Opening Deposit Monthly Service Charge Minimum Balance Transactions Apply Now
e-Checking More » $100 $0 with eStatements
$4.78 with paper statements
N/A $1.00 per check Apply

e-Checking

This account 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
  • Online Banking- Enroll now
  • Online Banking 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.
  • Minimum opening deposit of $20 for anyone under the age of 18.
  • Monthly service charge of $4.78 with paper statements
  • This account is designed for minimal check writing; you will be charged $1.00 per check written.
    • Apply here for an Centinel Bank e-Checking Account.
Centsible Checking More » $100

Fees apply only if under minimum balance:

$5.78 with eStatements
$8.78 with paper statements

$1,000 N/A Apply

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
  • Online Banking- Enroll now
  • Online Banking 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
  • If minimum daily balance is $1,000, there is no monthly service charge.
  • If daily balance goes below $1,000 your monthly service charge will be $ 8.78 with paper statements or
  • If daily balance goes below $1,000 your monthly service charge will be $5.78 with eStatements.
    • Apply here for a Centinel Bank Centsible Checking Account
Premier Checking (55+ years) More » $100 $0.00 N/A N/A Apply

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
  • Online Banking- Enroll now
  • Online Banking 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 basic checks per year at no charge
  • Minimum opening deposit of $100
    • Apply here for a Centinel Bank Premier Checking Account.
NOW Checking More » $100 Fees apply only if under minimum balance:

$9.78 with eStatements
$12.78 with paper statements
$2,500   Apply

NOW Checking

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

Benefits and features:

  • Debit Card
  • Online Banking
  • Online Banking 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
  • Interest bearing account- see our current deposit rates posted at either of our office locations.
  • 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.
  • Fees could reduce earnings on the account
  • If minimum daily balance is $2,500, there is no monthly service charge.
  • If daily balance goes below $2,500 your monthly service charge will be $12.78 with paper statements or
  • If daily balance goes below $2,500 your monthly service charge will be $9.78 with eStatements.
    • Apply here for a Centinel Bank NOW Checking Account.
Money Market Deposit Account More » $100 Fees apply only if under minimum balance:

$7.78 with eStatements
$10.78 with paper statements
$2,500 Six per month included, $7.50 per each addt'l Apply

Money Market Deposit Account (MMDA)

This account offers you limited transactional activity and earns interest.

Benefits and features:

  • Online Banking- Enroll now
  • 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
  • Interest bearing account- see our current deposit rates posted at either of our office locations.
  • 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.
  • Fees could reduce earnings on the account
  • Unlimited face to face transactions. These types of transactions include over the counter withdrawals with a teller or at an ATM machine 
  • Third party transactions are limited to six transactions per monthly statement cycle. These limited transactions include checks, debit card purchases or, preauthorized transactions.  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 $10.78 with paper statements or
  • If daily balance goes below $2,500, you will be charged a monthly service charge of $7.78 with eStatements.
    • Apply here for a Centinel Bank Money Market Account
Savings Account More » $100

$20 if under 18 years
Fees apply only if under minimum balance:

$9.78 quarterly with eStatements
$12.78 quarterly with paper statements
$500   Three withdrawals included per quarter, $1.00 each addt'l Apply

Savings Account

Use this account to save for a rainy day, a college education or wherever your dreams may take you! Maintain a daily balance of $500 or more and there is no service charge.

Benefits and features:

  • Online Banking
  • Minimum opening deposit of $100
  • Minimum opening deposit of $20 for anyone under the age of 18.
  • Building your savings account can be easy and convenient using Direct Deposit and/or Automatic Funds Transfer
  • Interest bearing account-see our current deposit rates posted at either of our office locations.
  • Interest is compounded and credited quarterly
  • 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.
  • Fees could reduce earnings on the account
  • The first three withdrawals per quarter are not subject to charge, subsequent withdrawals are assessed a $1.00 per item fee.
  • If minimum daily balance is $500, there is no quarterly service charge.
  • If daily balance goes below $500, you will be charged a quarterly service charge of $12.78 for paper statements or
  • If daily balance goes below $500, you will be charged a quarterly service charge of $9.78 with eStatements.
  • If you have electronic activity on this account, you will receive a monthly statement; otherwise, your statement will be sent quarterly.
  • Debit Card is available at no charge with any other Centinel Bank checking account, otherwise $5.00 per card per statement cycle. 
Health Savings Account (HSA) More » $100 Fees apply only if under minimum balance:

$5.78 quarterly with eStatements
$8.78 quarterly with paper statements
$500   N/A Apply

Health Savings Account (HSA)

This account is designed to be used with high deductible health care insurance as a way to help you build savings to be used on qualified medical expenses.

Benefits and features:

  • Debit Card
  • Online Banking- Enroll now
  • View check images online or receive them on your statements for an additional $2.00
  • Unlimited Check Writing
  • To be used with a High Deductible Health Care Plan
  • Minimum Opening Deposit of $100
  • Interest bearing account- see our current deposit rates posted at either of our office locations.
  • 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.
  • Fees could reduce earnings on the account
  • If minimum daily balance is above $500 there is no monthly service charge.
  • If daily balance goes below $500 your monthly service charge will be $5.78 with paper statements or
  • If daily balance goes below $500 your monthly service charge will be $8.78 with eStatements
    • Apply here for a Centinel Bank Health Savings Account

Checking accounts

All personal checking accounts include the following services: Online Banking and mobile viewing, 24 hour banking service (by phone), notary services, direct deposit and check imaging.

Student or Minor Checking & Savings

Centinel Bank offers e-Checking (see above) and Savings Accounts with no monthly service charge for anyone under the age of 18 and for full time students. Other fees may apply.  In order to open a minor account, the minor's birth certificate and/or social security number must be provided at account opening.

OOPS – "Our Overdraft Protection Service"

OOPS accounts are like having “extra cash” when you need it - putting an end to accidental overdrafts. OOPS will automatically advance funds to your checking account to cover unexpected overdrafts. All you need is a Centinel Bank checking account and an approved OOPS application.

The following documentation is needed to open a Personal Account. 

For each signer on the account:

  • Proper identification (such as valid driver’s license)
  • Social security number
  • Proof of Physical Address (if address on ID is not correct)

See our personal account Switch Kit for more information.

* All Fees Subject to Applicable Sales Tax

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