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Personal Checking

Personal checking with Centric Bank. At Centric Bank you get digital banking for your convenience and personal attention when you need it. Lady looking at a computer.

We have a variety of Checking Accounts to meet every individual and family need. Each account below includes a FREE debit card, online banking, and mobile banking1.

Connect with a banker online or contact the nearest Financial Center to see which checking account fits you best. We'll walk you through making the switch to Centric Bank, where We Revolve Around You!

Connect with a Banker  |  View Business Checking Account Options  |  Digital Banking Suite

Personal Checking Account Options

Affinity Checking
Interest Checking
Rewards Checking2
Golden Rewards Checking3
Best for those
who keep
low balances.
Best for those who want to earn interest on higher balances.
For those who want to earn cash-back rewards
for all non-PIN transactions.
For those 50+ who desire interest on higher balances.
Minimum Balance (to avoid monthly fee)4
Minimum Balance Fee5
Checks Available Available Available Free Golden Rewards Checks6
Debit Card7, Online Banking and Mobile Banking1
Interest No Contact Centric Bank for current rates No Contact Centric Bank for current rates
Non-Centric Bank ATM Transactions Standard Fee Applies Standard
Fee Applies
Up to $20
refunded per
Up to $20
refunded per
Debit Card Cash Rebate No No $.05 / non-PIN

1Third party service provider fees may apply. 2Rewards Checking requires an active monthly direct deposit or enrollment in e-Statements through Centric Bank Online Banking. 3Primary account holder must be age 50 or older to qualify. An active monthly direct deposit, such as payroll or retirement, is required to earn advertised rates. Without meeting requirements, account will earn 0.03% base rate. Offer and interest rate subject to change at any time. Interest rate may change after account opening. Fees may reduce earnings. 4First deposit due at account opening. 5Fees may reduce earnings. 6Other check styles available at additional cost. 7Overdraft fees may apply. 8Up to $20.00 refunded for non-Centric Bank ATM uses per statement cycle. 9Each non-PIN based debit card purchase earns a $0.05 cash back reward.

Visit or call your local Centric Bank Financial Center and one of our banking team members will be delighted to speak with you about our current rates.

What to Look for in a Personal Checking Account

Centric Bank offers many solutions for anyone looking for a personal checking account. You can find the right fit for you by asking yourself a few questions:

  • How much money passes through my account? If you have a larger amount passing through your account, you may wish to look for an account paying interest. If you have a smaller amount passing through your account, look for an account without a minimum balance requirement.
  • Do I write checks? If you write checks, look for a personal checking account offering you easy check ordering as well as other services you need. If you accept checks, look for an account offering easy deposit options.
  • Do I want to pay for purchases in-store? If so, look for an account which will not penalize you for numerous point-of-purchase transactions. Look for debit cards with safety features to protect you, no matter where you shop.
  • How will I use my debit card and checking account? Do you do a lot of banking online? Do you purchase products online? Do you frequently transfer money from one account to another or send money to family? Look for the account with the most convenient services and rewards for the transactions you perform most.
  • What other financial products do I have? If you have multiple financial products, you may need a less robust personal checking account because savings and other needs are met by other financial products.

Whether you're setting up your first personal checking account or are ready to switch banks, contact Centric Bank. We’ve worked hard to develop banking products and services that fit your lifestyle.

Digital Banking Suite

Digital banking for your convenience. Personal attention when you want us.

Your banking experience should be smooth, secure and the same on all your devices. Centric Bank's Digital Banking Suite brings you digital convenience and enhanced mult-factor security, so you can bank confidently, anywhere, anytime. With our Digital Banking Suite you can:

  • VIEW your balances
  • TRANSFER funds
  • DEPOSIT checks remotely from your smart phone
  • TAG transactions, attach images and add notes
  • MESSAGE a Centric Bank representative securely within the app
  • PUSH ALERTS for transactions, spending limits, merchant types
  • CONTROL YOUR DEBIT CARDS including travel notices, and easy card on/off

And it’s all in one convenient place. Whether you’re on your laptop, smartphone or tablet, you can stay connected to your account.

Learn more about Centric Bank's Digital Banking Suite here.

Checking Navigator

For information to help you better understand how checking accounts work, how to better manage a checking account, and how to avoid overdraft fees, visit our Checking Navigator. Our Checking Navigator is an easy-to-use, fun and interactive educational tool to walk you through the facts about checking accounts and to help you find the right solutions for you. Set sail for financial control today by using our Checking Navigator.

Your personal checking account is your passport to financial transactions. A personal checking account is the basic tool you'll need to pay for services, make bill payments and more. Even if you never write a paper check, you need a checking account to set up automatic bill payments, automatic deposits of your paycheck and to manage your financial life.

At Centric Bank, we understand how important checking accounts are, and we understand not everyone needs the same account. Depending on your situation, an account with more features and the ability to pay debit at various stores may be best, or there may be other services that better suit your needs. With us, you can find the right fit for your checking account requirements.