Everything YOU want:
Competitive account features coupled with
convenience!
One of our goals is to provide you with the
best personal checking and savings account and services available.
Choose the features that are best for you and WE WILL MAKE
IT HAPPEN!
Shazam® Chek Card
It's so easy, use this card instead of
writing a check. Whenever you make a purchase simply hand your
SHAZAM® Chek card to the clerk wherever MasterCard is accepted.
Instead of charging the purchase, the funds are withdrawn directly
from your checking account. It can also be used to receive cash
from ATMs nationwide. Whether you are buying groceries or needing
extra cash, this card has it all! Ask a Personal Banker for more
details.
ATM Card
Use your ATM card to get cash, check your
balance, transer funds between checking and savings accounts,
and make deposits. Your card can be used at ATM's 24 hours a day,
7 days a week at any location displaying the SHAZAM® or CIRRUS®
symbols.
Both SHAZAM Chek Cards and ATM Cards are easy to carry, easy to
use and safer than carrying cash.
Automatic Payments
Enjoy hassle free bill paying, use your
checking account to make electronic payments for:
• Loans • Utility Bills • Insurance
If you have automatic payments with another bank, and would like
to switch your accounts to Central Bank, we'll make it easy and
handle the paperwork for you!
|
Checking Account
Information
| |
FREE CHECKING PLUS |
IMAGE CHECKING PLUS |
REWARDS CHECKING PLUS |
PLATINUM CHECKING |
| For those who want ...
|
The benefits of checking without the fees. |
Imaged statements. |
A interest bearing checking
account with great benefits. |
A premium checking account
with higher interest and unbelievable features. |
| Minimum to Open |
$100 |
$100 |
$100 |
$100 |
| Minimum Requirements to Avoid Fees |
None
|
$100 minimum or $250 average monthly balance.
If below: $5/month and $0.20/debit with check imaging |
$500 minimum or $1,000 average monthly balance.
If below: $5/month and $0.20/debit if check safekeeping, $7/month
and $0.20/debit with check imaging |
$15,000 minimum consumer relationship. This includes
consumer deposits and loans, excludes credit cards and student loans.
If below: $10/month. |
| Interest
|
None
|
None
|
Variable interest, paid monthly |
Variable interest,
paid monthly, based on the following balance tiers:
Up to $10,000
$10,000 to $24,999
$25,000 to $49,999
$50,000 and above |
| Additional Features
|
Unlimited check writing
Monthly statement with free check safekeeping
Free Online Bill Pay for six months
OR Free Bill Pay with E-Statement
including check images
Free Shazam®Chek Card* & if you get an ATM
surcharge, bring in or mail your original ATM receipt within
60 days and we will refund the surcharge
Free Direct Deposit
Free Online Banking
No annual fee Credit Card*
Overdraft Reserve
$500*
Free first order of basic checks
|
Unlimited check writing
Monthly statement, E-Statement available
with check images
Free Online Bill Pay for twelve
months OR Free Bill Pay with E-Statement
including check images
Free Shazam®Chek Card* & if you get an ATM
surcharge, bring in or mail your original ATM receipt within
60 days and we will refund the surcharge
Free Direct Deposit
Free Online Banking
No annual fee Credit Card*
Overdraft Reserve
$500*
Free first order of basic checks
|
Unlimited check writing
Monthly statement, E-Statement available
with check images
Free Online Bill Pay for twelve
months OR Free Bill Pay with E-Statement
including check images
Free Shazam®Chek Card* & if you get an ATM
surcharge, bring in or mail your original ATM receipt within
60 days and we will refund the surcharge
Free Direct Deposit
Free Online Banking
No annual fee Credit Card*
Overdraft Reserve
$750*
Free first order of basic checks
Free cashier's check/money orders (limit 3/month)
No fee Traveler's Checks for One |
Unlimited check writing
Monthly statement, E-Statement available with
check images
Free Online Bill Pay
Free Shazam®Chek Card* & if you get an ATM
surcharge, bring in or mail your original ATM receipt within
60 days and we will refund the surcharge
Free Direct Deposit
Free Online Banking
No annual fee Gold Credit Card*
Overdraft Reserve
$750*
Free basic checks (limit one box/order) "Platinum Checking"
on checks above signature
Free cashier's check/money orders (limit 3/month)
No fee Traveler's Checks for One
Platinum Checking is free for Emerald Club members and customers who
finance their home with us
Member of Platinum Club
|
|
|
*SHAZAM® Chek Card, ATM Card,
Overdraft Reserve and Credit Cards are subject to approval.
All account fees are subject to Iowa & Local Option sales tax.
Fees may reduce earnings on the account. Closing fee of $30.00 applies
to all accounts closed within 90 days of opening date. |
|
|
Automatic Transfer
Want a great way to get started with a
regular savings plan? Simply decide how much you want to put in
your savings account each month, and we will handle it automatically
for you!
Certificates of Deposit
Want to diversify your financial portfolio?
Or create a nest egg? Certificates of Deposit offer many advantages
for investors and are typically a very popular addition to portfolios.
We offer a competitive interest rate for a fixed term and your
deposit is FDIC insured. Simply call or stop in to choose the
terms that fit your savings goals. Click here
for current cd rates.
|
Savings Account
Information
| |
CLASSIC SAVINGS |
MONEY MARKET SAVINGS |
PLATINUM MONEY MARKET SAVINGS* |
| Minimum to Open |
$100 |
$1,000 |
$10,000 (Platinum Checking required) |
| Minimum Requirements to Avoid Fees |
$100 minimum or $250 average monthly balance.
If below: $2/month (Free for 18 or younger) |
$1,000 minimum or $2,500 average monthly
balance. If below: $10/month |
$10,000 minimum or $25,000 average monthly
balance. If below: $15/month |
| Interest |
Variable Interest;
Paid quarterly |
Variable interest;
Paid monthly, based on the following balance tiers:
Up to $5,000
$5,000 to $24,999
$25,000 to $49,999
$50,000 and above
|
Variable interest;
Paid monthly, based on the following balance tiers:
Up to $10,000
$10,000 to $49,000
$100,000 to $249,999
$250,000 and above |
| Check Writing |
Limited to six preauthorized debits/month |
Limited to six preauthorized debits/month |
Limited to six preauthorized debits/month |
| Additional Features |
Quarterly statements, monthly if electronic transfers
Free ATM Card* & if you get an ATM surcharge, bring in or
mail your original ATM receipt within 60 days and we will refund
the surcharge.
|
Monthly Statement
Free ATM Card* & if you get an ATM surcharge, bring in or
mail your original ATM receipt within 60 days and we will refund
the surcharge. |
Monthly Statement
Free ATM Card* & if you get an ATM surcharge, bring in or
mail your original ATM receipt within 60 days and we will refund
the surcharge. |
* Personal Accounts Only. Shazam®
Chek Card and ATM Cards are subject to approval. All account
fees are subject to Iowa sales tax. Fees may reduce earnings
on the account. Closing fee of $30.00 applies to all accounts
closed within 90 days of opening date.
|
|
| |
Account fees.
|
|
