Central One offers a free Premium Checking Account¹ to build toward your financial success with no minimum balance requirements and no monthly service charges. Get started with a $1,500 per month direct deposit. 
 
Open Now
Cash Back
Get Paid Early
ATM Reimbursements
10¢ cash back for every
POS (point of sale) transaction
Receive your regular direct deposits
up to 2 days early
Get up to $12 per month for out-of-network ATM fees *

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


Additional Free Checking Accounts 


Regular Checking

Student Checking









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Our contactless debit cards come with all of the benefits you've come to expect:


Bank when you're not at home

Mobile Wallet

Instant Card Replacement





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Plus more

 Earn interest**
monthly
Budgeting tools through MX Money Management
The fast, secure, and free way to switch your automatic payments and direct deposits from your old account to your new account.
Card Control App provides security, transaction alerts, or freeze your account.
*Free ATM network includes Central One, SUM and Allpoint terminals. Out of network terminal owners may charge a service fee. 
 

**Dividends based on average daily balance, visit Our Rates and Service Charge Disclosure for current Annual Percentage Yield (APY).  Dividend rates are accurate as of the last dividend declaration date.

¹ Premium Checking Terms Apply. Please see Our Rates and Service Charge Disclosure and Member Service Agreement for details.

^ 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.