Personal Checking Accounts

With Central State Bank, opening a checking account is easy and we offer multiple options to meet your personal and/or family financial needs. We offer two different checking account options designed to meet each customer’s specific needs and goals. Find the best checking account for you!

Our free bank checking account is a great basic checking account with no maintenance fees that still includes a variety of benefits. Our free checking account allows you to easily and securely access and manage your finances from wherever you are. Central State Bank’s free checking accounts offer:
If you’re looking for a high-interest checking account with plenty of beneficial features, our NOW Account is a great option. This interest-bearing checking account allows you to save while you spend! Central State Bank’s NOW checking accounts offer:
The NOW Elite Account is a high-interest checking account specially designed for people who carry large checking account balances. This top-tier checking option provides you with premium benefits while earning you money. Central State Bank’s Now Elite checking accounts offer:









All of our checking account types offer the benefits of check writing convenience, debit cards, secure wire transfers, and so much more! At Central State Bank, we make it easy to access your funds, manage your accounts, and build your savings.

We strive to offer the best checking account interest rates, savings account interest rates, and more. View all our account interest rates and additional information on our rates page. We also offer feature-rich business checking accounts. Learn more about commercial checking accounts at Central State Bank!

Not sure what the best checking account option is for you or have questions about our checking accounts? Contact a Central State Bank near you and we’d be happy to help! Looking for a Central State Bank ATM near you? Use our ATM locator to find a full-service depository ATM.

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