Things to know before opening a personal account!
Century Free Checking
Absolutely FREE Checking.
A basic, non interest bearing checking account.
- FREE instantly issued ATM/Debit Card
- FREE ATM usage anytime, anywhere
- FREE Online Banking and FREE Bill Pay
- FREE Pennywise Coin Counting
- No minimum balance requirement
- No monthly service charge
- No per check charge
- Easy-to-balance monthly statement
(itemized - no image checks with statements)
- Non interest-bearing account
- Only $100.00 to open
Regular Personal Checking
For those who want to budget service charges and would like an imaged copy of checks included in bank statement.
- FREE instantly issued ATM/Debit Card
- FREE ATM usage anytime, anywhere
- FREE Online Banking and FREE Bill Pay
- FREE Pennywise Coin Counting
- Unlimited check writing
- Imaged checks mailed with monthly statement
- Non interest-bearing account
- Only $100.00 to open
- $400.01 minimum balance to avoid monthly service charge
- *Tiered fee schedule
*Fee Schedule
|
Minimum Daily Balance |
Monthly Service Charge |
$.01 - $100.00 |
$8.00 |
$100.01 - $200.00 |
$7.00 |
$200.01 - $300.00 |
$6.00 |
$300.01 - $400.00 |
$5.00 |
$400.01 - & above |
FREE |
Infinity Checking
Interest bearing account for those at least 50 years of age.
- FREE instantly issued ATM/Debit Card
- FREE ATM usage anytime, anywhere
- FREE Online Banking and FREE Bill Pay
- FREE Pennywise Coin Counting
- FREE notary service
- FREE photocopies
- FREE cashier’s checks
- FREE single signer traveler’s cheques
- FREE Personalized Century Everyday checks available
- Competitive interest rate
- Unlimited check writing
- Preferred rates on non-promotional certificates of deposits
- Imaged checks mailed with monthly statement
- Only $100.00 to open
- Low service charge of $6.50 if balance drops below $500.00 during statement cycle
NOW Checking
Interest bearing account for customers who maintain higher balances, earn interest and write unlimited checks.
- FREE instantly issued ATM/Debit Card
- FREE ATM usage anytime, anywhere
- FREE Online Banking and FREE Bill Pay
- FREE Pennywise Coin Counting
- Competitive interest rate
- Unlimited check writing
- Imaged checks mailed with monthly statement
- Only $100.00 to open
- Low service charge of $10.00 if balance drops below $1000.00
Century Benefit Banking
A special account only offered to the employees of approved employers.
- FREE instantly issued ATM/Debit Card
- FREE ATM usage anytime, anywhere
- FREE Online Banking and FREE Bill Pay
- FREE Pennywise Coin Counting
- FREE 3½ x 5 safe deposit box rental for first 12 months
- FREE cashier’s checks
- FREE single signer traveler’s cheques
- No monthly service charge
- Unlimited check writing
- No minimum balance requirement
- Preferred rates on non-promotional Certificates of Deposits
- Easy-to-balance monthly statement (itemized - no image checks with statements)
- Discount on qualified personal loan rates (with automatic debit)
- Preferred mortgage privileges
- Only $100.00 to open
Tiered Rate Money Market Account
This account is ideal for customers want to be paid a higher rate because of the balance that is maintained in accounts.
- FREE instantly issued ATM/Debit Card
- FREE ATM usage anytime, anywhere
- FREE Online Banking and FREE Bill Pay
- FREE Pennywise Coin Counting
- *Limited transaction account
- **Tiered interest schedule based on balance
- Imaged checks mailed with monthly statement
- Only $100.00 to open
- Service charge of $10.00 if balance falls below $2500.00
- $5.00 withdrawal fee for each transaction in excess of six during statement cycle Interest is not collected if account is closed prior to interest payment
*Limited transactions: Transfers from a Money Market account to another or to third parties by pre-authorized, automatic, or telephone transfers are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.
**Tiered Schedule
$0 - $9,999.99
$10,000 - $24,999.99
$25,000 - $99,999.99
$100,000 - $499,999.99
$500,000 - & above
For current rates please visit one of our convenient locations or call a customer service representative at 903.838.5505 or 972.931.5505!
Health Savings Accounts
A Health Savings Account (HSA) is a tax-exempt account established exclusively for the purpose of paying or reimbursing qualified medical expenses of an individual, individual’s spouse, and/or individual’s dependents.
- FREE instantly issued ATM/Debit Card
- FREE ATM usage anytime, anywhere
- FREE Pennywise Coin Counting
- Unlimited check writing
- Competitive interest rate
- Maintain $100.00 to earn interest
- Minimum of $100.00 to open ($120 with the $20 fee)
- $20.00 set-up fee and $20.00 annual fee (debited each January)
Regular Savings
Ideal for those who are putting money aside for a specific item or goal in the future.
- FREE Pennywise Coin Counting
- Competitive interest rate
- Quarterly statement
- *Limited transaction account
- Only $100.00 to open
- Minimum balance of $200.00 required to earn interest
- A withdrawal fee of $1.00 will be charged for each debit transaction in excess of three during the quarter if the account balance falls below $400.00 during the statement cycle.
- A service charge of $3.00 will be charged if the balance falls below $100.00 any day during the statement cycle.
*Limited transactions: Transfers from a Statement Savings account to another account or to a third-party by pre-authorized , automatic or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or debit card to third parties.
PennyWise Savings
A savings account for children under the age of 12. This account is designed to encourage children to learn to save money.
- FREE Pennywise Coin Counting
- Only $1.00 to open
- No fees or service charges
- Available to anyone under the age of 12
- Competitive interest rate
- *Limited transaction account
- 10 points are awarded for each dollar deposited and can be used to purchase special Pennywise Saver Awards
- Adult co-signer required on all minor-held accounts
*Limited transactions: Transfers from a Pennywise Savings account to another account or to third parties by pre-authorized automatic or telephone transfers are limited to six per statement cycle with no more than three by check draft or debit card to third parties.
Certificates of Deposit
For current rates please visit one of our convenient locations or call a customer service representative at 903.838.5505 or 972.931.5505!
- Variety of competitive rates and terms from 3 to 60 months
- Subject to penalty for early withdrawal
- Interest paid quarterly
- Only $1000.00 minimum balance to open
Individual Retirement Accounts (IRA)
Provide the opportunity to save for retirement.
- Century BANK offers the following types of IRAs
- Traditional
- Roth
- SEP
- Simple
- Coverdell Education
- Only $100.00 minimum to open a passbook IRA
- Only $1000.00 minimum to open a time-fixed IRA
Things to know before opening a personal account:
The USA PATRIOT Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism by requiring financial institutions to obtain more information on new accounts.
To assist the government in fighting the funding of terrorism and money laundering activities, federal law requires all financial institution to obtain, verify, and record information that identifies each person who opens an account.
This means that when you request to open an account, we will ask for your name, physical address, date of birth, taxpayer identification number, and other information that will allow us to identify you. We will also ask to see your driver’s license and may request other identifying documents.
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/ Member FDIC