Personal Accounts

 

  • Checking
  • Savings
  • CD
  • IRA
Account Packages
Product
Initial Deposit
Monthly Service Fee
Checks
Interest
Interest Tiers
ATM's
Value Checking
$100.00

$5.00
Fee may be waived if avg daily balance is over $500 OR if you receive an Online Stmt

FREE check safekeeping N/A N/A FREE ATM withdrawals at Central Bank ATMs. $1.00 per withdrawal at non-Central Bank ATMs.
Image Checking
$200.00
$8.00 if avg. daily balance is less than $1,000.00 Image checks returned w/ statement N/A N/A FREE ATM withdrawals at Central Bank ATMs. $1.00 per withdrawal at non-Central Bank ATMs.
Value Plus Checking
$200.00 $8.00 if avg. daily balance is less than $1,000.00 FREE check safekeeping $1000.00 min. balance to earn interest*
  • $1,000.00 - $4,999.99
  • $5,000.00 - $9,999.99
  • $10.000.00+
Free ATM withdrawals at Central Bank ATMs. 3 free withdrawals per month at non-Central Bank ATMs. $1.00 for additional withdrawals.
Image Plus Checking
$200.00
$10.00 if avg. daily balance is less than $2,000.00 Image checks returned w/ statement $2000.00 min. balance to earn interest*
  • $2,000.00 - $4,999.99
  • $5,000.00 - $9,999.99
  • $10,000.00+
Free ATM withdrawals at Central Bank ATMs. 3 free withdrawals per month at non-Central Bank ATMs. $1.00 for additional withdrawals.


 

FEATURES COMMON TO ALL PRODUCTS  
  • Unlimited check writing
  • Monthly statement
  • Overdraft Privilege**
  • Savings Transfer
  • Protection Plus Line of Credit**
  • FREE Internet Banking
  • FREE Online Bill Pay***
  • FREE Online Statements and Check Images
  • FREE Telephone Banking
  • ATM/Debit Card**

    *Interest compounded and paid monthly. Rate subject to change
  **Subject to approval
***FREE with a minimum of 3 online payments per month

 

Account Packages
Product
Initial Deposit
Monthly Maint. Fee
Minimum Balance
Interest
Int. Tiers
Stmt.
Check Writing Ability
Withdrawals
ATM Fees
Statement Savings
$100.00
$5.00 if avg. daily balance is less than $100.00** $100.00 Compounded & paid semi-annually* N/A At Least Quarterly N/A Limit of 6 preauthorized withdrawals per month. $1 per withdrawal in excess of three (3) per month FREE ATM withdrawals at Central Bank ATMs. $1.00 per withdrawal at non-Central Bank ATMs
Money Market Savings
$1,000.00
$10.00 if avg. daily balance is less than $1,000.00 $1,000.00 Compounded & paid monthly*
  • $1,000.00 - $4,999.99
  • $5,000.00 - $24,999.99
  • $25,000.00+
Monthly YES Limit of 6 preauthorized withdrawals/checks per statement cycle N/A
Premium Money Market Savings
$25,000.00
N/A $25,000.00
Compounded & paid monthly*
  • $25,000.00 - $49,999.99
  • $50,000.00 - $99,999.99
  • $100,000.00 - $249,999.99
  • $250,000.00 - $499,999.99
  • $500,000.00+
Monthly N/A Limit of 6 preauthorized withdrawals per statement cycle. $10,000 minimum withdrawal N/A

 

Special Account Packages
Product
Initial Deposit
Monthly Service Fee
Checks
Interest
Interest Tiers
ATM's
Health Savings Account
$100.00 NO FEE Images provided Compounded & paid monthly
  • $0 - $999.99
  • $1,000.00 - $4,999.99
  • $5,000.00 - $9,999.99
  • $10,000.00
Free ATM withdrawals at Central Bank ATMs. 3 free withdrawals per month at non-Central Bank ATMs. $1.00 for additional withdrawals.


 

FEATURES COMMON TO ALL PRODUCTS
  • FREE Internet Banking
  • FREE Online Statements
  • FREE Telephone Banking

    *Interest rate subject to change
  **Exempt if you notify bank you are under age 19 or a not-for-profit organization

 

 

Account Packages
Product
Initial Deposit
Renewal Period
Details
Certificate Of Deposit
$1,000.00
Automatic renewal feature - 10 day decision period
Stop by any Central Bank location and ask for current interest rates on several terms available or see our current rates posted on this website under "rates".


 

 

Account Packages
Product
Initial Deposit
Term
Renewal
Interest
Details
IRA Statement Savings
  • Traditional & Roth minimum initial deposit: $1,000.00
  • Education minimum initial deposit: $500.00
18 months Automatic renewal feature - 10 day decision period
Compounded and paid semi-annually* Make deposits as frequently as you like
IRA Certificate of Deposit Account
Traditional & Roth minimum initial deposit: $1,000.00
Selected from current certificate of deposit schedule
Automatic renewal feature - 10 day decision period
Selected from current certificate of deposit schedule N/A


 

*Interest rate subject to change

 

 

Additional Account Services

Cash Management Account

Make the most of your cash reserves. Determine your checking balance requirements and we will transfer excess funds into a higher earning investment account*. Funds are transferred back into checking as needed. (*Not FDIC Insured, No Bank Guarantee, May Lose Value)


Checking Plus Loan Account

A simple solution for overdraft protection. Transfer funds from your Checking Plus Account into checking, should you experience an inadvertent overdraft.


Automatic Teller Machine (ATM) Card

Initial card issuance: FREE
Reissue due to lost/damaged card: $10.00 - If lost after banking hours, please contact Shazam: 1-800-383-8000
Use at any Shazam/Cirrus location

CentralPic Debit Card (NEW!)

Show your personality with a CentralPic Debit Card.  Customize your debit card by featuring a favorite photo.


 

 

 

 

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