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Checking Accounts


Centennial Bank checking accounts are designed with today's lifestyles in mind. Whether you prefer fast electronic banking on the go, desire added protection or want an account that pays interest, we have products with benefits to suit your needs. To decide which one is right for you, read the options available, and click "Open Online" or drop into your 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. 

Download a printable brochure of our different Checking Accounts.

Checking accounts displayed below have no minimum balance to maintain and no limit on the number of transactions per month providing you with a great deal of freedom within your checking account!


Personal Checking Products

  Centennial Club Checking Freedom Checking Diamond Checking
For Customers age 50+
Opportunity 100 Checking
For those looking to re-establish a banking relationship
Simply 100 Checking
Minimum Amount to Open $100 $100 $100 $100 $25
Monthly Service Charge $6.95 $5.00 if account requirements of eStatement are not met No Service Fee $9.95 w/ direct deposit
$12.95 w/o direct deposit
$4.95
Do I Earn Interest? No No Yes No No
Benefits
  • Free Notary Service
  • Half-Price Safe Deposit Box (Safe Deposit Box contents not FDIC insured)
  • Free Instant-Issue Debit Card*
  • Save ATM Receipts, Save Money**
  • $10,000 AD&D Insurance, including $1,000 Dependent Grandchild Coverage2
  • Identity Theft Monitoring and Protection1,2
  • 3 in 1 Credit Bureau monitoring and Credit Report1
  • Cellular Telephone Protection4
  • Cash Back Members Reward3
  • Entertainment and Travel Discounts3
  • View Full Account Benefits and Requirements
  • Free Instant-Issue Debit Card*
  • Free Mobile Banking***
  • Free iPhone®/Android™ App***
  • Free Online Banking5
  • Free Coin Machine Transactions+
  • Free Basic Bill Pay5
  • Save ATM Receipts, Save Money**
  • Free Instant-Issue Debit Card*
  • Free Mobile Banking***
  • Free iPhone®/Android™ App***
  • Free Online Banking5
  • Free Coin Machine Transactions+
  • Free Basic Bill Pay5
  • Save ATM Receipts, Save Money**
  • Free Instant-Issue Debit Card*
  • Free Mobile Banking***
  • Free iPhone®/Android™ App***
  • Free Online Banking5
  • Free Coin Machine Transactions+
  • Free Basic Bill Pay5
  • Save ATM Receipts, Save Money**
  • Free Instant-Issue Debit Card*
  • Free Mobile Banking***
  • Free iPhone®/Android™ App***
  • Free Online Banking5
  • Free Coin Machine Transactions+
  • Free Nationwide ATM's. No Receipt Needed.**
Additional Information Some Features Require Activation eStatements Required   No Overdraft Protection
  • Checkless Account - Electronic transaction processing only.
  • Paper checks, check processing, and Online Bill Pay are unavailable with this account.
  • No Overdraft Protection

Open in-full Online

-OR-

Begin Branch Enrollment using Web Form 

Open Online Enrollment Form Open Online Enrollment Form Open Online Enrollment Form Open Online Enrollment Form Enrollment Form

Disclosures:

Centennial Bank online accounts can be opened by:

  • Check - Any amount up to product maximum
  • Wire - Any amount up to product maximum
  • Internal Transfer from Centennial Bank account - Up to $50,000.00 or product maximum (whichever is lower)
  • External Transfer from non-Centennial Bank account - Up to $2,500.00 or product maximum (whichever is lower)
  • Credit/Debit Card - Up to $500.00 or product maximum (whichever is lower)

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.

* Debit card replacement fees apply
** Present ATM receipts to a teller or banker for reimbursement of ATM fees within 60 days of transaction. (Excludes Simply 100 Checking which receives reimbursement automatically, without providing receipt.)
***Some restrictions may apply. Messaging and data rates may apply from your wireless carrier
+ Not available in all locations
1 IDProtect® service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded business and their business owner(s) listed on the account and their eligible family members (service not available to employee, clubs and/or churches and their members, schools and their employees/students). For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
2 Identity theft insurance underwritten by insurance company subsidiaries or affiliates of Chartis Inc. Accidental Death & Dismemberment Insurance underwritten by Plateau Insurance Company of Crossville, TN. Dependent Grandchildren defined as Insured’s unmarried grandchildren under age 19 (26 if attending an accredited institution of higher learning on a full time basis) and primarily dependent on the Insured for support and maintenance. The descriptions herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policy described. Please refer to each respective actual policy for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions
3 Registration/activation required
4 Cellular telephone bill must be paid through this account. Special Insurance Program Notes: the descriptions herein are summaries only. They do not include all terms, conditions, and exclusions of the policies described. Pease refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.
5 Some restrictions may apply. See Bank for details.

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