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!

Century eComplete Checking

  • Minimum Deposit of $50 is required to open account.
  • No Monthly Maintenance fee.
  • No Monthly Service Charge.
  • Statements and Check Images Provided via eStatements
  • 24 Hour ATM Access.
  • Debit Card eligible.
  • EZ Pay Protection eligible.**
  • No Monthly Balance requirements.

Traditional Complete

  • Minimum Deposit of $50 is required to open account.
  • $5 Monthly fee.
  • Receives monthly statement with check images.
  • 24 Hour ATM Access.
  • Debit Card eligible.
  • EZ Pay Protection eligible.**
  • No Monthly Balance requirements.

Century Classic Checking

  • Minimum Deposit of $50 is required to open account.
  • A service charge of $8 per month or statement cycle will be applied if the balance in the account falls below $500 on any day of the month or statement cycle.
  • Receives monthly statement with check images.
  • Debit Card eligible.
  • EZ Pay Protection eligible.**
  • Non interest bearing account.
  • Free 24 Hour ATM Banking Access.

Century Club Checking

  • Minimum Deposit of $50 is required to open account.
  • A service charge is applied to each month or statement cycle. *
  • Hassle-free banking.
  • Identity Theft 911
  • Travel and Entertainment Benefits
  • Debit Card eligible.
  • EZ Pay Protection eligible.**
  • Two complimentary boxes of Century Club Deluxe checks per year.
  • Unlimited Check Writing.
  • Receives detailed monthly statement.
  • $30,000 Accidental Death & Dismemberment Insurance
  • $100,000 Common Carrier Insurance with $1,000 Dependent Child Insurance

*$10 service charge per month. Members 62 and older will receive all these benefits for just $8 per month.

NOTE FOR ALL ACCOUNTS:  Benefits provided under joint membership will be divided equally among all joint members who are on file with the Policyholder.  The accidental death and identity theft insurance products are not a deposit or other obligation of, or guaranteed by, the bank or an affiliate of the bank.  The accidental death and identity theft insurance is not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States, the bank, or (if applicable) an affiliate of the bank. In the case of the accidental death and identity theft insurance involves an investment risk, there is investment risk associated with the product, including the possible loss of value.
Century Plus Personal NOW Checking

  • Minimum Deposit of $1,500.00 required to open account.
  • A service charge of $10 per month or statement cycle will be applied if the balance in the account falls below $1,500.00 on any day of the month or statement cycle.
  • Interest Bearing Account.*
  • Frequency of Rate Changes: We may change the interest rate and APY (Annual Percentage Yield) on this account at any time without prior notification to you.
  • Compounding and Crediting:  Interest will be credited and compounded to the account on a monthly basis.  Interest begins to accrue no later than the business day credit is received for the deposit of non-cash items (checks, for example).  If the account is closed before interest has been credited, you will not receive the accrued interest.
  • Balance Computation Method:  The daily balance method is used to calculate the interest on the account.  The method applies a daily periodic rate to the collected balance in the account each day.
  • Receives monthly statement with check images.
  • 24 Hour ATM Access.
  • Debit Card eligible.
  • EZ Pay Protection eligible.**
    *Visit your local Century Bank branch for information on interest rates.

 

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

**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 45 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.