A Better Way to Save: Earn up to 4.00% APY*
Boost your savings! Open a Connect Checking and Savings account bundle to earn higher interest. Make everyday purchases using your debit card to earn up to 4.00% APY* on your savings. The more you use your debit card, the higher your savings potential!
Financial Guidance Tip: Add your child, spouse, or partner to your account with a debit card, to make earning qualified transactions easier.
How It Works
Step 1
Open Your Bundle
Open a Connect Checking and Savings account bundle.
Step 2
Use Your Debit Card
Use your debit card on everyday purchases.
Step 3
Watch Your Savings Grow
Each qualifying debit card transaction brings you closer to earning a higher interest rate on your Savings balance.
Interest Rate Tiers
Earn up to 4.00% APY* when you reach 50 or more qualifying debit card transactions each month.
| Qualified Debit Card Transactions | Earned APY | ||
|---|---|---|---|
| 50 or more | 4.00% | ||
| 18-49 | 3.00% | ||
| Less than 18 | 0.05% |
Why Choose Connect Checking & Savings?
High-Yield Savings
Earn up to 4.00% APY* on your savings by using your debit card.
Contactless Shopping
Look for the Contactless Symbol at checkout and simply tap your card to pay. Tap your card to pay securely in seconds without inserting or swiping. Plus, you won’t have to sign for your purchases.
Your Purchases Mean More
Turn everyday spending into a powerful savings tool.
Financial Guidance Tip
Add Round-Up Savings to save even more. Round-Up Savings rounds your purchases to the nearest dollar and transfers the additional to your Savings account.
Connect Features
- Free Online & Mobile Banking
- Free Bill Pay with E-statements1
- Centier Visa® Debit Card
- Unlimited Check Writing
- Save More Money with Round-Up Savings
- No minimum balance on Savings
- Earns interest on Savings
Mobile & Online Banking
Our Mobile and Online Banking services provide secure, instant access to manage your finances anytime, anywhere, with just a few clicks.
What Our Clients Say
"Every Centier branch has a helpful staff and is always ready to answer any questions. Thanks everyone!"
"Employees are always friendly and helpful!"
"I love Centier bank they are the best."
Frequently Asked Questions
The Connect Checking and Savings Account bundle is a combination of a checking, and a savings account designed to help you manage your daily finances while maximizing your savings potential. By using your debit card for everyday purchases, you can earn higher interest rates on your savings.
- Free Online & Mobile Banking
- Free Bill Pay with E-statements1
- Centier Visa® Debit Card
- Unlimited check-writing
- Option to add Round-Up Savings to help grow your funds
- No minimum balance requirement on the savings account
- Interest-earning savings account with the use of your debit card
You can open a Connect Checking and Savings account bundle online through Centier’s website or by visiting any Centier Bank branch. A minimum deposit of $50 is required to open the Connect Checking account, and $100 is required to open the Connect Savings account.
There are no minimum balance requirements for the Connect Savings Account. However, the Connect Savings Account does require a balance to earn interest.
Qualified debit card transactions are transactions processed as purchases using your Centier Visa® Debit Card. Please note that ATM transactions do not count as qualified debit card transactions. See branch for additional details.
Centier Connect checking will have a no monthly maintenance fee if one of the following requirements are met: (otherwise $2 monthly fee)
- Enroll in e-Statements
- Set up direct deposit
- Maintain a $100 minimum daily balance
Centier’s mobile banking app allows you to access both your Connect Checking and Savings accounts from your smartphone or tablet. You can check balances, transfer funds, pay bills, and more.
Additional Checking Accounts
Centier Checking
A versatile personal checking account designed for effortless financial management!
Student Checking
Designed for students aged 14-24, this no-fee account comes complete with a debit card and direct deposit, streamlining your banking experience.
Centier 50 Advantage
Grow your savings with our interest-bearing checking account, tailored specifically for those aged 50 and older.
Your Financial Guide for Money Management
We're Here to Help
Disclosures
*APY = Annual Percentage Yield. APY for Connect Savings is accurate as of 10/1/2024. If 50 or more qualified debit card transactions post per statement cycle, earn 4.00% APY. If 18 - 49 qualified debit card transactions post per statement cycle, earn 3.00% APY, less than 18 qualified debit card transactions results in entire savings balance earn 0.05% APY. 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. Fees could reduce account earnings. If qualifications are not met, Connect Checking converts to a Centier Checking and Connect Savings converts to Statement Savings. ATM transactions do not count as qualified debit card transactions. Bank is not responsible for merchant settlement delays. Rates are subject to change without notice. Other terms and conditions of those accounts will apply. Member FDIC.
1$5.95 monthly fee will be charged for accounts without E-Statements.