Checking Accounts

Checking Accounts

Finding the right checking account to serve your needs is important and that is why Century Bank offers a wide variety of accounts.  From the basic account to one that helps you earn interest, Century Bank checking accounts are designed with you in mind.  No matter what your needs, Century Bank has an account for you!


 Every new personal checking account includes:

  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Mobile Banking
  • FREE eStatements with online check images
  • FREE Thank You Gift
  • Buy your unused checks and debit cards from another financial institution

Century Free Checking: A FREE account for everyone!

  • $50 minimum deposit to open
  • No minimum balance
  • No monthly service charge
  • EZ Pay protection eligible

e-Interest Checking: Earn interest with the convenience of online banking and eStatements!

  • $50 minimum deposit to open
  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • EZ Pay Protection eligible

Kasasa® Cash: An account for those interested in higher interest!

  • $50 minimum deposit to open
  • Balances up to $25,000 receive an Annual Percentage Yield of 2.50%
  • Balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a range from 2.50% to 0.25% APY depending on the account’s balance
  • 0.05% Annual Percentage Yield if qualifications aren’t met
  • Refunds on ATM fees nationwide (up to $25 monthly)*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Statements and Check images provided via eStatements
  • EZ Pay protection eligible
  • Debit Card Eligible

How to Earn Your Rewards:
To earn your rewards, we just ask you to do a few simple things during your Monthly Qualification Cycle:

  • Have 12 debit card transactions post and settle to your account during the monthly qualification cycle.
  • Sign up and enroll in online banking (*Must log into online banking at least once a month).
  • Sign up and receive eStatements.
  • If you don’t qualify, the account is still free, and you’ll receive 0.05% interest on your account and you can try again next month!

Kasasa® Cash Back: Checking that pays cash back!

  • $50 minimum deposit to open
  • 3.00% cash back on debit card purchases*
  • Cash back earned on purchases up to $400 monthly
  • Earn up to $12 cash back per month
  • Refunds on ATM fees nationwide (up to $25 monthly)*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Statements and Check images provided via eStatements
  • EZ Pay Protection eligible
  • Debit Card eligible

 How to Earn Your Rewards:
To earn your rewards, we just ask you to do a few simple things during your Monthly Qualification Cycle:

  • Have 12 debit card transactions post and settle to your account during the monthly qualification cycle.
  • Sign up and enroll in online banking (*Must log into online banking at least once a month).
  • Sign up and receive eStatements.
  • If you don’t qualify, the account is still free, and you can try again next month!

 

Debit cards may be used in place of a check at any merchant who accepts Visa.

**Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Minimum opening deposit is only $50. If Kasasa qualifications are not met withing 3 consecutive months, the account mya be converted to another checking product. Ask us for details. Bank rules and regulations apply.

**Regarding EZ Pay Protection Eligibility: 1.) A $35 fee may be assessed for each item that draws your account negative. 2.) Overdrafts may be paid utilizing your EZ Pay Protection funds up to the limits for the following types of transactions: Checks, POS/Debit Card Transactions, Electronic Transactions, Bill Pay, Online Banking, & ATM Withdrawals. 3.) You then have up to 30 days to bring the account current, either through a direct deposit, transfer of funds, or a deposit at one of our branches. 4.) If the account has been open at least 60 days and maintained in good standing defined as A) Making regular deposits sufficient to cover transactions; B) Bringing the account to a positive balance at least once every thirty days or less and C) There are no legal orders outstanding on your account, we may, at our sole discretion, pay overdrafts up to the limits mentioned above, including our normal Non-Sufficient Funds or EZ Pay Protection fee(s). Effective July 1, 2010: All ATM and POS/debit card transactions will need to be opted in to continue receiving coverage through our overdraft services.

**Qualification Information for Kasasa Accounts: Qualifications vary by account.  Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards.  The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, and purchases made with debit cards not issued by our bank.  “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: Rewards vary by account.  Depending on what Kasasa account you open, you will receive one of the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: (1) Interest on your checking balances (Kasasa Cash), (2) Cash back on debit card purchases (Kasasa Cash Back).  In addition, you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified.  Depending on your Kasasa account, when your qualifications are not met, only non-qualifying interest is earned, other reward distributions are not made and ATM fees are not refunded.  Account rewards and ATM fee reimbursements will be credited to your Kasasa account on the last day of the statement cycle. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.  Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications.  There are no recurring monthly service charges or fees to open this account.  Limit 1 (one) account per social security number. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.  Third party message and data rates may apply. Kasasa is a trademark of BancVue Ltd., registered in the U.S.A. Member FDIC.

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