We offer three checking accounts. Our Regular Checking, Senior Sense Checking and Image Checking.

Regular Checking Account.

Our regular checking account is a free account that offers flexible withdrawal features, while earning dividends on the balance at the same time! Your deposits are insured by NCUA. Our Regular Checking (Share Draft) account far exceeds the ordinary bank checking account. Compare for yourself:

	No balance requirements.
	No activity fees.
	Competitive dividends paid monthly.
	Dividends based on average daily balance.
	Free online banking with Central Net
	Free online Bill Pay
	ATM or Check Card that can be used surcharge free at any SUM Network ATM.
	Access to account information through Tel-Talk or Central Net, 24 hours a day, 7 days a week.
	Unlimited check writing
	Regular monthly statements
	Convenient ways to make deposits to your account: Direct Deposit, Payroll Deduction, ACH. By mail. Over-the-counter at any Credit Union location. Transfer funds through Tel-Talk or Central Net. Via any Central One ATM.

Senior Sense Checking

Our Senior Sense checking is a free account and is available to members age 60 and over who have direct deposit of a pension or Social Security. Deposits are insured by NCUA. In addition to all of the benefits of the regular checking account, a Senior Sense checking account also comes with the following benefits:

	Free checks (safety paper, one box per year)
	Half price safe deposit box (any size) for the first year
	No fee on up to $1000 in one-signature Traveler's Checks

As an added benefit, if you have direct deposit in to your Senior Sense checking, we offer premium certificate rates to our Senior Sense members. Senior Sense Certificates have a minimum balance of $10,000.

Image Checking

Our Image Checking is also a free checking account and is insured by NCUA.

	No monthly fees.
	No balance requirements
	Receive copies of your cleared checks with each monthly statement.
	No activity fees
	PLEASE NOTE: No dividend is paid on this account

How Do I Open a Checking Account?

To open any checking account with Central One, first you must deposit a minimum of $5.00 into a Share Savings Account to establish your membership with the credit union. Apply online, stop by any Credit Union location, call or email your request for an application.