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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  
e-Checking More » $100

$4.45/month.

Additional 3.50/mo if using paper statements.

N/A $1.00 per check  

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! 

Benefits and features:

  • No age requirement 
  • $100 minimum opening deposit
  • No minimum daily balance to avoid service charge
  • $4.45/month service charge
    • $3.50/month additional charge if using paper statement 
  • Debit Card
  • $1.00 per check (this account is designed for minimal check writing)
  • Online and mobile banking- Enroll Now
  • Online banking bill payment
  • Text banking
  • Mobile deposit
  • 24 Hour automated phone service
  • View check images online or receive them in your statement for an additional $2.00
  • Direct deposit is available 
  • Service charge waived for 21 years and younger, minimum opening deposit $20.00. 
Centsible Checking More » $100

Fees only apply if under minimum balance:

$7.95/mo if using electronic statements


$11.45/mo if using paper statements.

$1,500 N/A  

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 $1,500 there is no monthly service charge.

Benefits and features:

  • $100.00 minimum opening depsoit
  • $1500 mimimum daily balance to avoid service charge.
    • $11.45/month service charge if using paper statements and you fall below the minimum daily balance
    • $7.95/month service charge if using electronic statements and you fall below the minimum daily balance.  
  • Debit Card
  • Unlimited check writing
  • Online and mobile banking- Enroll Now
  • Online banking bill payment
  • Text banking 
  • Mobile deposit
  • 24 Hour automated phone service
  • View check images online or receive them in your statement for an additional $2.00
  • Direct Deposit is available
Premier Checking (62+ years) More » $100 $0.00 N/A N/A  

Premier Checking (62 years+)

If you are over the age of 62, Centinel Bank rewards you with no monthly service charge!

Benefits and features:

  • $100 minimum opening deposit
  • No monthly service charge
  • Debit Card
  • Unlimited check writing
  • Online and mobile banking - Enroll Now
  • Online Banking Bill Payment
  • Text banking
  • View check images online or receive them in your statement for an additional $2.00
  • Direct Deposit available 
NOW Checking More » $100

Fees apply only if under minimum balance:

$11.95/mo with eStatements


$15.45/mo with paper statements

$2,500    

NOW Checking

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

Benefits and features:

  •  
  • $100 minimum opening balance
  • Earns interest
  • $2500 minimum daily balance to avoide service charge
    • $15.45/month service charge if using paper statements and you fall below the minimum daily balance
    • $11.95/month service charge if using electronic statements and you fall below the minimum daily balance.  
  • Debit Card
  • Unlimited Check Writing
  • Online and mobile banking - Enroll Now
  • Online Banking Bill Payment
  • Text banking
  • Mobile deposit 
  • 24 hour automated phone service 
  • View check images online or receive them on your statements for an additional $2.00
  • Direct Deposit available 
  • Interest bearing account- see our current deposit rates.
  • 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

 

Money Market Deposit Account More » $100

Fees apply only if under minimum balance:

$11.95/mo with eStatements


$15.45/mo with paper statements

$2,500 6, third party transactions/month. Additional transactions are $7.50 each.   

Money Market Deposit Account (MMDA)

This account offers you limited transactional activity and earns interest.

Benefits and features:

  • $100 minimum opening deposit 
  • $2500 minimum daily balance to avoid service charge
    • $15.45/month service charge if using paper statements and you fall below the minimum daily balance
    • $11.95/month service charge if using electronic statements and you fall below the minimum daily balance.  
  • Online Banking- Enroll Now
  • View check images online or receive them in your statements for an additional $2.00
  • Direct Deposit available 
  • Interest bearing account- see our current deposit rates.
  • 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.
Savings Account More » $100

$20 if under 18 years

Fees apply only if under minimum balance:

$11.95/quarterly if using eStatements

$15.45/quarterly with paper statements

$500 Three withdrawals included per quarter, $1.00 each addt'l  

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:

  • $100 minimum opening deposit
  • $500 minimum daily balance to avoid service charge
    • $15.45/month service charge if using paper statements
    • $11.95/month service charge if using electronic statements
  • Online Banking- Enroll Now
  • Minimum opening deposit of $100
  • 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
  • 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 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/mo if using eStatements


$9.28/mo if  if using paper statements

$500 N/A  

Health Savings Account (HSA)

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

Benefits and features:

  • $100 minimum opening deposit
  • $500 minimum daily balance to avoid service charge
    • $9.28/month service charge if using paper statements
    • $5.78/month service charge if using electronic statements
  • Debit Card
  • Online and mobile 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
  • Interest bearing account - see our current deposit rates
  • 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

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.

Youth Checking & Savings

Centinel Bank offers e-Checking (see above) and Savings Accounts with no monthly service charge for anyone under the age of 21 years. Other fees may apply.  In order to open a Youth account, the youth birth certificate and/or social security number must be provided at account opening.

OOPS Line of Credit – "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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