Checking Accounts

Disclosures

Restrictions and limitations apply to opening deposits and funding methods. Online account opening applies to deposit accounts. Subject to credit approval. Must be 18 years of age. Must be a legal resident of the United States. Must have working device that meets required specifications. Not all products are available for all locations. Not all products are available through online account opening.

Centennial Bank online checking accounts can be opened by:

• 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.

Account Services:

¹Certain transaction fees, limitations and requirements may apply. Please refer to the product terms and conditions or see Bank for details.
²Centennial Bank does not charge you a fee for using Mobile Banking. Your wireless carrier’s data and text message rates may apply.
³See a customer service representative for current rate information, calculation method and to obtain a copy of our Truth in Savings Disclosure.
⁴Present ATM receipts to a teller or banker for reimbursement of ATM fees within 60 days of transaction.
⁵Available at most locations. Must have Centennial checking account to receive debit card. Replacement fees and restrictions may apply. See Bank for details.
⁶The bank reserves the right to make the final decision as to whether it will or will not pay any non-sufficient item(s) presented against your account. You will be charged the normal Non-Sufficient Funds/Overdraft handling fee of $35.00 for each presentment of item(s) paid as set forth in our current fees schedule, the same as if we returned your item(s) unpaid. Such fees may also be imposed in connection with transactions that overdraw your account, such as in person withdrawals, preauthorized automatic debits, or other electronic transfers. Fees described above may also be imposed on one time debit card or ATM transactions, should you Opt-In to the Federal Reserve issued Regulation E governing these items. You must also bring your account to a positive balance at least once every thirty-one (31) days to maintain your Overdraft Privilege in good standing. In doing so, your overdraft privilege will be automatically reinstated. Your account will be closed if it remains in an overdraft status for a period of sixty (60) consecutive days; however, the closure of your account does not relieve you of the obligation to pay the overdraft balance.

*Registration/activation required

^-Some benefits offered by a third party and require additional contact for initial enrollment. Insurance products not insured by FDIC or any Federal Government Agency. Not a deposit of or guaranteed by the bank or any bank affiliate. May lose value.

^-Identity theft insurance underwritten by insurance company subsidiaries or affiliates of Chartis Inc. The description 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 actual policy for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

^-Accidental Death & Dismemberment insurance underwritten by insurance company subsidiaries or affiliates of Plateau Insurance Company. The description 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 actual policy for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

^-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. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.