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Checking Accounts

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


All our checking products come with a Visa debit card to easily access cash from ATMs or make purchases at stores.  And you can monitor and manage your card anytime, anywhere from your phone with our Card Control App.  Make your cards work smarter for you - track your spending by setting up transaction alerts with text, push notification and email. Set spending limits and even turn your card off/on if misplaced. Our Instant Issue allows you to replace your Central One debit card at any branch location if lost or stolen. 


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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Features

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

  • Earn interest, deposited monthly into your account*
  • No Minimum Balance Requirement
  • No Monthly Fees
  • Free online bill pay
  • Receive a Visa debit card to easily access cash from ATMs or make purchases at stores.
  • Unlimited check writing
  • Option to receive statements via mail or e-Statements

Monitor and manage your card anytime, anywhere  from your phone with our Card Control App.  Make your cards work smarter for you - track your spending by setting up transaction alerts with text, push notification and email. Set spending limits and even turn your card off/on if misplaced.

Our Instant Issue allows you to replace your Central One card at any branch location if lost or stolen. 


Central Advantage Checking

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

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Features

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
  • Receive a Visa debit card to easily access cash from ATMs or make purchases at stores.
  • Unlimited check writing
  • Receive e-Statements via Digital Banking

Requirements

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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Features

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
  • Receive a Visa debit card to easily access cash from ATMs or make purchases at stores.
  • Complimentary first order of paper checks for account holders age 16 and older (variety pack or duplicate checks only).

Requirements

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+.

 

*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.