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Open a Checking Account Online Today with Centier

Open a checking account that meets your daily needs and helps you reach your financial goals. Are you are looking for low fees or incentives to help save you money? We offer a variety of online checking accounts to get you there. Plus, all checking accounts come with exciting features to help you better manage your money.

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Links your checking and savings – and rewards you with a premium savings rate.*2

Monthly Fees:

$0
with e-Statements or direct deposit, or $100 minimum daily checking account balance.
OR
$2/month

Opening Minimum:

$50 Checking and $100 Savings

 

An interest bearing checking account for clients 50 and better! 1

Monthly Fees:

$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month

Opening Minimum:

$50

A flexible personal checking account experience for effortless banking! 1

Monthly Fees:

$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month

Opening Minimum:

$50

An account for students ages 14 – 24 that includes a debit card, direct deposit, and no fees.5

Monthly Fees:

$0

No overdraft fees, paid item fees or extended overdraft fees. 

Opening Minimum:

$25

A checking account that provides you competitive interest on your money!6

Monthly Fees:

$0
with e-Statements or direct deposit, along with a $500 minimum daily balance or $1000 average monthly balance. 
OR
$4/month

Opening Minimum:

$50

A checking account with no overdraft charges.3

Monthly Fees:

$4
per month

Opening Minimum:

$25

Benefits for all military service members and veterans.4

Monthly Fees:

$0
with e-Statements or direct deposit, or $100 minimum daily balance.
OR
$2/month

Opening Minimum:

$25

Nationwide ATMs

Surcharge-Free ATM Access^

EZ deposit ATMs available at Centier Branch locations. Also, our partner networks provide you thousands of ATMs available all over the US. Find an ATM Near You.

Unlimited Check Writing Check Icon

Unlimited Check Writing

No limits on the amount of checks you can write with any of our checking accounts!

Centier Visa Debit Card Icon

Centier Visa® Debit Card

Receive a Centier Visa®  Debit Card with every checking account to utilize while on the go or with your favorite digital wallet!

Mobile and Online Banking Phone Icon

Online and Mobile Banking

Access and mange your funds at your convenience! Read More about Mobile & Online Banking

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Use A Digital Wallet

Prefer using a digital wallet on your mobile device? No problem! You can utilize your Centier checking account debit card with Apply Pay® or Google Pay™.

Bill Pay Icon

Bill Pay

Move Money and schedule bill payments securely and conveniently.

Mobile Deposit Icon

Mobile Deposit

When you utilize Mobile Banking, deposit multiple checks directly from Centier’s mobile app.

Person To Person Move Money Icon

Person-To-Person Payments

Sign up for P2P within online and mobile banking to move money and send personal payments to friends and family.

Visit  Centier to You for access to helpful financial materials! Below are just two examples of topics covered.

Looking for more than just a checking account? At Centier we can help!

Yes, all of our checking accounts come with a Centier Visa debit card. You can use the card directly or link it to your Google or Apple Pay account for even more flexibility.

Yes! We have online banking services and a mobile app for both IOS & Android! Visit our online and mobile banking page to get additional information and download the mobile app.

Round up purchases to the nearest dollar on your debit card and save the difference in a savings accounts. Click here for more information!

We offer a Student Checking and  Junior Investors Savings account! Exciting options for helping develop strong financial habits. Find a location near you to open an account!

Yes! Overdraft Protection is available. More information can be found here.

A checking account lets you deposit and withdraw money from a secure place so you can access it when needed, such as paying bills or shopping. With a Centier checking account you can easily manage your funds through the online banking portal, mobile app, and at over 60 Centier branches & EZ deposit ATMs across Indiana. You can also withdraw funds surcharge free at over 55,000 ATMs nationwide through our partnership with Allpoint and Presto! In Addition, you can have an employer direct deposit into your account, mobile deposit checks directly through the Centier mobile app, write unlimited checks, and even utilize mobile payment services such as Apple & Google Pay. You can also set up online bill payments or send money directly to another person with our P2P (Person To Person) bank transfer process. These are just some of the exciting tools and services that let you bank the way you want at Centier.

Have more questions?

Disclosures

1Centier Checking and 50 Advantage Checking accounts require direct deposit or e-Statements or a $100 minimum daily balance to avoid a $2.00 monthly service charge.

2Centier Connect requires both a Connect Checking and Connect Savings account with a common signer. Personal deposits only. Connect Checking requires $50 to open; direct deposit or e-Statements or $100 minimum daily balance is required to avoid a $2 monthly fee. Connect Savings requires $100 to open. If qualifications are not met, Connect Checking converts to Centier Checking and Connect Savings converts to Statement Savings. All terms and conditions of those accounts will apply.

3This account is not eligible for Overdraft Advantage. Overdraft Transfer service is available to cover overdrafts on this account at no charge, but the service must be set up in advance. There are no dormant account fees on this account. Smart Choice is a certified Bank On product.

4To qualify for Centier Veterans Checking, an individual on the account must have past or present U.S. Armed Forces military service. A copy of a military ID may be required. Interest paid monthly on all balances. 0.10% Annual Percentage Yield (APY) as of March 31, 2020. Fees may reduce earnings. Four Centier fees waived for Non-Centier ATM withdrawals per statement period. Non-Centier ATMs are considered ATMs not owned by Centier or ATMs not in the Allpoint Network. Fees from the ATM owner still apply. Normal fees apply after the fourth withdrawal transaction in a statement period. Overdraft fees reduced to $25 from the standard $35 charge. First box of corporate image checks with American Flag in background are free. Direct Deposit or e-Statements or $100 minimum daily balance is required to avoid a $2 monthly fee.

5To qualify for this account, you must be between the ages of 14 and 24. If you are under the age of 18, your parent or guardian must also sign on the Centier Student Checking account. At the age of 25, your account will automatically convert to the Centier Checking account. You must deposit $25.00 to open this account. This account is not eligible for Overdraft Advantage®.

6Interest Checking accounts require direct deposit or e-Statements and a $500 minimum daily balance or a $1,000 average monthly balance to avoid a $4.00 monthly service charge.

^A fee may apply at foreign ATM locations.

If the application is submitted after normal business hours, it may take up to two business days to validate your requested information.

Bank rules and regulations apply. Minimum opening deposit is only $50 for personal accounts. Except for Veterans, Smart Choice, and Student checking  which is $25.

Government regulations require that financial institutions make disclosures available to you when you apply for a new account. You may read and print our disclosures by clicking the following link - Disclosures.

Customer Notice: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Thank you for your cooperation.

Centier reserves the right to discontinue any offer at any time.

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