Checking Accounts

Centinel Bank offers many services to meet your personal banking needs. Explore our checking account options here.

All personal checking accounts include access to a debit card, Online Banking, Mobile App, 24-hour telephone banking service, text alerts, bill payment, notary services, direct deposit and check imaging.

Compare Checking Accounts

The following documentation is needed to open a Personal Account:

US Persons	Non-US Persons
Driver's License or Government-issued ID	Two Primary Forms of Government-issued ID One Secondary From of ID
Proof of Physical Address	Proof of Physical Address
Social Security Number	Verification of ITIN

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:

$100 minimum opening deposit
No minimum daily balance to avoid service charge
$6.00/month service charge
$2.00 per check (this account is designed for minimal check writing

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 $2,000 there is no monthly service charge.

Benefits and features:

$100.00 minimum opening deposit
$2,000 minimum daily balance to avoid service charge.
- $9.50/month service charge
Unlimited check writing

Premier Checking (62+ years)

Benefits and features:

$100 minimum opening deposit
$500 minimum daily balance to avoid service charge.
- $5.25/month service charge if using paper statements and you fall below the minimum daily balance
Unlimited check writing

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
$2,500 minimum daily balance to avoid service charge
- $14.00/month service charge
Unlimited Check Writing
Interest bearing account
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

This account offers you limited transactional activity and earns interest.

Benefits and features:

$100 minimum opening deposit
$5,000 minimum daily balance to avoid service charge
- $14.00/month service charge
Interest bearing account
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.

youth checking

Centinel Bank offers e-Checking 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, birth certificate, and/or social security card of the youth must be provided at account opening.

* ALL FEES SUBJECT TO APPLICABLE SALES TAX

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