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!


Kasasa® Cash

  • $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.
  • 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

  • $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.
  • Sign up and receive eStatements.

If you don’t qualifiy, the account is still free, and you can try again next month!


Kasasa® Tunes

  • $50 minimum deposit to open
  • Earn up to $10 in refunds for iTunes®, Amazon.com®, or Google Play™ purchases each month*
  • Earn $10 in iTunes®, Amazon.com®, or Google Play™ purchases when you open your account*
  • 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.
  • Sign up and receive eStatements.

If you don’t qualify, the account is still free, and you can try again next month!

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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 Visa.

**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 70 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) and (3) Reimbursements for iTunes, Amazon.com & Google Play purchases (Kasasa Tunes).  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.  iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com Inc. Google Play is a registered trademark of Google Inc. Apple Inc., Amazon.com and Google is/are not participants or sponsors of this program. 3rd party message and data rates may apply. Kasasa and Kasasa Tunes are trademarks of of BancVue Ltd., registered in the U.S.A. Member FDIC.

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