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Checking Accounts

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Central One offers a checking account to fit nearly every lifestyle. While each is customized to appeal to different types of people.

Share Draft Checking

Our most-popular checking product. Share Draft Checking Account is a free, interest-bearing account offering the features you've come to expect in a checking product.

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In addition to the benefits listed above, the Share Draft Checking Account features:

  • Earn interest, deposited monthly into your account 3
  • No Minimum Balance Requirement
  • No Monthly Fees
  • Free online bill pay
  • Unlimited check writing
  • Option to receive statements via mail or e-Statements

Central Advantage Checking

Central Advantage Checking provides many benefits above and beyond what you'll find at other institutions.

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In addition to the benefits listed above, Central Advantage Checking features:

  • Premium certificate rates with balances of $10,000 or more
  • Free box of safety-paper checks each year
  • Discounted safe deposit box (half-price for the first year)
  • No Minimum Balance Requirement on Central Advantage Checking account
  • No Monthly Fees
  • Free online bill pay
  • Unlimited check writing
  • Receive e-Statements via Digital Banking


To qualify for a Central Advantage Account, you must meet all of the following criteria:

  • Be age 18 or older
  • Maintain a minimum $1,000 monthly direct deposit into the Central Advantage Checking account
  • Be enrolled in e-Statements

Student Sense Checking

Student Sense Draft Account provides a safe means for students age 13 years and older to access funds without the need to carry cash. Moreover, it affords the opportunity for parents or guardians to oversee the account, set limits and help the student learn good financial habits.

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In addition to the benefits listed above, the Student Sense Draft Account features:

  • All account holders may access the account through online banking, allowing parents or guardians to monitor spending
  • No Minimum Balance Requirement
  • No Monthly Fees
  • Complimentary first order of paper checks for account holders age 16 and older (variety pack or duplicate checks only).


To qualify for a Student Sense account, you must meet all of the following criteria:

  • 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
Please note: Online bill pay is only available for account holders ages 18+.

All of our checking accounts offer these great features and benefits:

Debit Card
Debit Card
Receive a Visa debit card to easily access cash from ATMs or make purchases at stores.
Online & Mobile Banking
Sign up for free online and mobile banking to get 24/7 access to your money. 
Instant Issue of New and Replacement Cards
If your card is lost or stolen, we can issue a new card at any full-service branch while you wait.
Mobile Deposit
Mobile Check Deposit
Deposit checks anywhere using the Central One mobile banking app 1 . Just snap, tap, deposit!
Access to eStatements
Go green! Help the environment by opting in to eStatements. eStatements are delivered faster and save on paper.
Over 55,000 Free ATMs 2
No fees when using any in-network ATM from SUM or AllPoint. Use the mobile app or ATM Locator to find nearby ATMs.
Piggy Bank
Free Online Bill Pay
Don't pay to pay! With Central One set up recurring or single bill pays with no usage fee.
Federally Insured by NCUA
Deposit accounts at Central One Federal Credit Union are federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government.

1 While Central One does not charge for mobile banking, your mobile carrier’s message and data rates may apply. 

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

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

Checking Account (Share Draft) Disclosure: Dividend rates are accurate as of the last dividend declaration date. 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 earning on the account .   Refer to Central One Federal Credit Union's Member Account Agreement  and  Schedule of Fees.

Central Advantage Checking Account Disclosure: Failure to maintain the requirements of the Central Advantage Checking account may result in placement in our Share Draft Checking. See our Central Advantage Agreement and our Member Account Agreement  and  Schedule of Fees.