Checking Accounts

This account maximizes the benefit of our electronic banking services. If you primarily use a debit card, write few checks and prefer eStatements this is the account for you!

Youth Checking & Savings
Centinel Bank offers e-Checking and Savings Accounts with no monthly service charge for anyone under the age of 21 years. Other fees may apply. In order to open a Youth account, a government issued ID, birth certificate, and/or social security number of the youth must be provided at account opening. 

Do you want the flexibility and convenience of writing many checks and using a debit card? This account can meet all of your financial needs, and if you maintain a daily balance of $1,500 there is no monthly service charge.

If you are over the age of 62, Centinel Bank rewards you with no monthly service charge!

Benefits and features:

• $100 minimum opening balance
  
• Earns interest
  
• $2500 minimum daily balance to avoide service charge
  
  • $15.45/month service charge if using paper statements and you fall below the minimum daily balance
    
  • $11.95/month service charge if using electronic statements and you fall below the minimum daily balance.
    
• Unlimited Check Writing
• View check images online or receive them on your statements for an additional $2.00
  
• Interest bearing account
  
• There is no minimum daily balance requirement to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
  
• Fees could reduce earnings on the account

Benefits and features:

• $100 minimum opening deposit
  
• $2500 minimum daily balance to avoid service charge
  
  • $15.45/month service charge if using paper statements and you fall below the minimum daily balance
    
  • $11.95/month service charge if using electronic statements and you fall below the minimum daily balance.
    
• View check images online or receive them in your statements for an additional $2.00
  
• Interest bearing account
  
• There is no minimum daily balance requirement to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
  
• Fees could reduce earnings on the account
  
• Unlimited face to face transactions. These types of transactions include over the counter withdrawals with a teller or at an ATM machine
  
• Third party transactions are limited to six transactions per monthly statement cycle. These limited transactions include checks, debit card purchases or, preauthorized transactions. A service charge of $7.50 per item will be assessed for transactions that exceed these limits.

Our Overdraft Protection Line of Credit (OOPS)