ATTENTION: Text Message Scam Circulating Read More »

Business Checking

At Centennial Bank we offer the services and tools you need to bank when and where it's convenient for you. Ask about the benefits of online banking, commercial checking or business checking, and let us help you compare the services to find the right one for your business.

Click here for a printable brochure of our different Business Checking Accounts.

To decide which one is right for you, read the options available, and click "Open Online" or drop into almost any local Centennial branch and let a friendly team member assist you with your choice. If you would like to have a Centennial Bank personal banker contact you beforehand please complete our "Enrollment Form" below. 

Business Checking Products*

  Business Checking Commercial Checking Community Checking Qualified Interest Checking Business Opportunity 100
Type of Business Business with lower balance and more account activity Fast growing or established business with greater banking needs Non-Profit Government and Sole Proprietor Business looking to re-establish strong financial reputation
What is the Minimum Amount to Open? $100 $100 $100 $100 $100
What is the Minimum Daily Balance to Avoid a Service Charge? No Minimum No Minimum No Minimum $2,500 No Minimum
What is My Monthly Service Charge? $10 if balance falls below zero during a statement cycle Analyzed No Service Charge $10 if balance falls below minimum daily balance $12.95 monthly service charge. Requires e-statements. No overdraft privilege
Is There a Limit on the Number of Transactions Per Month? 375 Items per month free with a fee of .40 per each item in excess of 375 No Limit No Limit No Limit No Limit
Do I Earn Interest? No Earnings Offset Monthly S/C Yes Yes No
What Other Benefits Do I Receive? Free Instant-Issue Debit Card¹, Free Mobile Banking², Free iPhone®/Android™ App, Free Online Banking², Free Coin Machine Transactions³, Free Basic Bill Pay²
Treasury Management Services Available Automated Clearing House (ACH), Lockbox Services, Merchant Bankcard Services, Online Banking, Positive Pay, Remote Deposit Capture, Tax Payments, Visa® Business Credit Cards, Wire Transfers and Zero Balance Accounts
Open in-full Online


Begin Branch Enrollment using Web Form
Open Online Enrollment Form Enrollment Form Enrollment Form Enrollment Form Open Online Enrollment Form


Centennial Bank online accounts can be opened by:

  • Check - $100 minimum funding amount up to $250 product maximum
  • Wire - $100 minimum funding amount up to $250 product maximum

Please note: "Additional Offers" accepted during the online application process will be funded with a single transaction and subject to funding method maximum limits based on the combined minimum funding balance of all selected products.

*All Business Checking accounts may incur a $.20 cash processing fee per each $100.00 in excess of $7,500.00/per month.

¹Debit card replacement fees apply
²Message and data rates may apply. Some restrictions may apply. See Bank for details.
³Not available in all locations

Key icon

Bank Owned Real Estate

Browse Centennial Bank's Properties for Sale, or Real Estate Owned List, including but not limited to residential and commercial properties acquired by Centennial Bank, their Affiliates, or as Servicer, through foreclosure.

Search Listings
Sallie Mae logo

Student Loans

For college expenses not covered by scholarships and federal loans, Centennial Bank has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.

View Student Loans

Community News