RateHerald

Monthly fee

$5

−$60 a year for an everyday customer: fees and interest, $2,000 kept.

The Central Trust Bank · Checking account

The Central Trust MyChoice

−$60 a year for an everyday customer. $5 a month. $50 to open.

Checked Nov 8, 2026Updated

A year, everyday customer
−$60
Monthly fee
To open

Against the market

How it ranks

#571of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • ATM fee rebates
  • Bill pay
  • Branch access
  • Budgeting tools
  • Card lock
  • Custom card design
  • Debit card
  • Early direct deposit
  • Mobile check deposit
  • Mobile wallet
  • Online opening
  • Savings round ups
  • Spending alerts
  • Zelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Fees

Monthly fee
$5 a monthcentralbank.net, checked Nov 8, 2026
Ways to avoid the monthly fee
All of these:
  • you must receive electronic statements
  • The primary account holder is under the age of 25
  • Maintain a minimum daily balance of $2,500.00 per statement cycle
  • Maintain a recurring cumulative direct deposit of $500.00 per statement cycle
  • Use your debit card at least 20 times for a point of sale (POS) transaction
  • maintaining $25,000 average daily balance or greater in all deposit accounts with the same primary account holder
centralbank.net, checked Nov 8, 2026
Minimum to open
$50centralbank.net, checked Nov 8, 2026
ATM network
our ATMs or 39,000+ MoneyPass® locationscentralbank.net, checked Nov 8, 2026
ATMs in the network
39,000centralbank.net, checked Nov 8, 2026
ATM fees refunded, up to
$25 a monthcentralbank.net, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees

See it on centralbank.net

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