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Checking Accounts

Checking Accounts
Centinel Bank offers many services to meet your personal banking needs. Explore our checking account options here and begin the application process online. 

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

The following documentation is needed to open a Personal Account:


US Citizens  Non-US Citizens 
Driver's License or Government-issued ID  Two Forms of Government-issued ID
Proof of Physical Address  Proof of Physical Address 
Social Security Number  Verification of ITIN

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
  • $4.45/month service charge
    • $3.50/month additional charge if using paper statement
  • $1.00 per check (this account is designed for minimal check writing)
  • View check images online or receive them in your statement for an additional $2.00
Youth Checking & Savings
Centinel Bank offers e-Checking 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.
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 deposit
  • $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.
  • Unlimited check writing
  • View check images online or receive them in your statement for an additional $2.00
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
  • Unlimited check writing
  • View check images online or receive them in your statement for an additional $2.00
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.
  • Unlimited Check Writing
  • View check images online or receive them on your statements for an additional $2.00
  • 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
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.
  • View check images online or receive them in your statements for an additional $2.00
  • 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.

Our Overdraft Protection Line of Credit (OOPS)

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.




* ALL FEES SUBJECT TO APPLICABLE SALES TAX
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