ATTENTION: SMiShing Fraud is Active Read More »

Savings Accounts


When saving, you want to get the most out of your money.  Centennial offers competitive rates and easy access to your account to give you the options and flexibility needed for your specific needs.

At Centennial Bank, your money can earn more! Your investment portfolio can be diversified—globally and domestically. Your personal savings accounts can be easily managed—online and on the phone. Quite simply, we deliver value-added opportunities for you to save, grow, and manage your money.


Personal Savings Products

  Personal Savings First Account
Kids Account for customers age 18 or under
Christmas Club Savings
What is the Minimum Amount to Open? $100 $10 No Minimum to Open
What is the Minimum Daily Balance to Avoid a Service Charge? $100 No Minimum No Minimum; automatic annual payment will not be disbursed if balance is less than $25 at the time of the disbursement.
What is My Monthly Service Charge? $3 if balance falls below $100 No Monthly Service Charge No Monthly Service Charge
Is There a Limit on the Number of Transactions Per Month? Six free withdrawals per month / $5 charge for each withdrawal in excess of six per month Six free withdrawals per month / $5 charge for each withdrawal in excess of six per month Six free withdrawals per month / $5 charge for each withdrawal in excess of six per month
Do I Earn Interest? Yes Yes Yes
What Other Benefits Do I Receive? Account can be tied to any Checking Account for Overdraft Protection Gift at New Account Opening Enjoy automatic annual payout in November.  Payment will not be disbursed if balance is less than $25 at time of disbursement.
Disclosure Information Exceeding withdrawal limitations may result in account closure, change of account type, termination of transfer capability, or other remedial action Exceeding withdrawal limitations may result in account closure, change of account type, termination of transfer capability, or other remedial action Exceeding withdrawal limitations may result in account closure, change of account type, termination of transfer capability, or other remedial action
Online Account Opening Funding Methods and Limitations#
  • Minimum to Open = $100.00
  • Maximum to Open = $250.00
  • 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)
  • Minimum to Open = $100.00
  • Maximum to Open = $250.00
  • 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)
  • Minimum to Open = $100.00
  • Maximum to Open = $250.00
  • 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)

Open in-full Online

-OR-

Begin Branch Enrollment using Web Form 

Open Online Enrollment Form Enrollment Form Open Online Enrollment Form

#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.


Top
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