Get what you need and more with our selection of free* checking accounts. Central One offers you the right account for your lifestyle, with no minimum balance requirements and no monthly service charges. 

Learn about Checking Account Basics in our Financial Literacy Education Center.

Premium Checking ³




 Our free Premium Checking account rewards you with no hoops to jump through.

  • 10¢ Cash Back for each POS debit transaction
  • Up to 2 days early access to regular direct deposits
  • Up to $12 per month ATM reimbursement for out-of-network ATM Fees
  • Receive 0.50% discount on Consumer Loans^ when payment is auto-deducted from Premium Checking account  
  • Mortgage discount programs (First Time Home Buyers and Primary Residence purchases)
  • Bonus rate on Certificates of $10,000 or more
  • No-fee Coin Counting Machine service
  • 50% discount of 1st year Safe Deposit Box rental fee
  • 1 free box of basic checks per calendar year
  • Overdraft protection options available
  • PLUS all of the standard features and benefits listed below 

Regular Checking

Our free, Regular Checking account is an interest-bearing account offering the features you've come to expect in a checking product. We promise ... it really is free!
 
  • Receive 0.25% discount on Consumer Loans^ when payment is auto-deducted
  • Overdraft protection options available 
  • PLUS all of the standard features and benefits listed below 




 

Student Checking

 
Our free Student Checking account is designed with input from educators to help parents guide their children towards adopting excellent money management skills.
  • Debit card included
  • Primary account holder must be 13 years or older
  • If under 18 years of age, a parent or guardian must be on the account jointly
  • Complimentary first order of basic checks for account holders age 16 and older 
  • Cannot be overdrawn 
  • PLUS all standard features and benefits listed below  
  • Account must be opened by calling the Member Support Center at 800-527-1017 or by visiting a branch location.
 
 
All of our personal checking accounts are free and offer these great features and benefits:
 

1 While Central One does not charge for mobile banking, your mobile carrier’s message and data rates may apply. Must be 18 years of age

2 Free ATM network includes Central One, SUM and Allpoint terminals. Out of network terminal owners may charge a service fee. 

³ Premium Checking Terms Apply. Please see Our Rates and Service Charge Disclosureand Member Service Agreement for details.

 *No monthly service charges or minimum balance required.

**Dividends based on average daily balance, visit our rates page for current Annual Percentage Yield (APY).

^ Some restrictions apply; excludes 15/5 ARM mortgages and lines of credit.

All accounts must meet eligibility requirements. All checking accounts are considered variable rate accounts and rates are subject to change at any time without notice. Fees or other conditions may reduce earnings on the account. See Our Rates and Service Charge Disclosure and Member Service Agreement for details.