Central Bank - Personal

	FREE CHECKING PLUS	IMAGE CHECKING PLUS	REWARDS CHECKING PLUS	PLATINUM CHECKING
For those who want ...	The benefits of checking without the fees.	Imaged statements.	A interest bearing checking account with great benefits.	A premium checking account with higher interest and unbelievable features.
Minimum to Open	$100	$100	$100	$100
Minimum Requirements to Avoid Fees	None	$100 minimum or $250 average monthly balance. If below: $5/month and $0.20/debit with check imaging	$500 minimum or $1,000 average monthly balance. If below: $5/month and $0.20/debit if check safekeeping, $7/month and $0.20/debit with check imaging	$15,000 minimum consumer relationship. This includes consumer deposits and loans, excludes credit cards and student loans. If below: $10/month.
Interest	None	None	Variable interest, paid monthly	Variable interest, paid monthly, based on the following balance tiers: Up to $10,000 $10,000 to $24,999 $25,000 to $49,999 $50,000 and above
Additional Features	Unlimited check writing Monthly statement with free check safekeeping Free Online Bill Pay for six months OR Free Bill Pay with E-Statement including check images Free Shazam®Chek Card* & if you get an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surcharge Free Direct Deposit Free Online Banking No annual fee Credit Card* Overdraft Reserve $300* Free first order of basic checks	Unlimited check writing Monthly statement, E-Statement available with check images Free Online Bill Pay for twelve months OR Free Bill Pay with E-Statement including check images Free Shazam®Chek Card* & if you get an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surcharge Free Direct Deposit Free Online Banking No annual fee Credit Card* Overdraft Reserve $300* Free first order of basic checks	Unlimited check writing Monthly statement, E-Statement available with check images Free Online Bill Pay for twelve months OR Free Bill Pay with E-Statement including check images Free Shazam®Chek Card* & if you get an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surcharge Free Direct Deposit Free Online Banking No annual fee Credit Card* Overdraft Reserve $500* Free first order of basic checks Free cashier's check/money orders (limit 3/month) No fee Traveler's Checks for One	Unlimited check writing Monthly statement, E-Statement available with check images Free Online Bill Pay Free Shazam®Chek Card* & if you get an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surcharge Free Direct Deposit Free Online Banking No annual fee Gold Credit Card* Overdraft Reserve $500* Free basic checks (limit one box/order) "Platinum Checking" on checks above signature Free cashier's check/money orders (limit 3/month) No fee Traveler's Checks for One Platinum Checking is free for Emerald Club members and customers who finance their home with us Member of Platinum Club
	*SHAZAMChek Card, ATM Card, Overdraft Reserve and Credit Cards are subject to approval. All account fees are subject to Iowa & Local Option sales tax. Fees may reduce earnings on the account. Closing fee of $30.00 applies to all accounts closed within 90 days of opening date.

	CLASSIC SAVINGS	MONEY MARKET SAVINGS	PLATINUM MONEY MARKET SAVINGS*
Minimum to Open	$100	$1,000	$10,000 (Platinum Checking required)
Minimum Requirements to Avoid Fees	$100 minimum or $250 average monthly balance. If below: $2/month (Free for 18 or younger)	$1,000 minimum or $2,500 average monthly balance. If below: $10/month	$10,000 minimum or $25,000 average monthly balance. If below: $15/month
Interest	Variable Interest; Paid quarterly	Variable interest; Paid monthly, based on the following balance tiers: Up to $5,000 $5,000 to $24,999 $25,000 to $49,999 $50,000 and above	Variable interest; Paid monthly, based on the following balance tiers: Up to $10,000 $10,000 to $49,000 $100,000 to $249,999 $250,000 and above
Check Writing	Limited to six preauthorized debits/month	Limited to six preauthorized debits/month, 3 by check	Limited to six preauthorized debits/month, 3 by check
Additional Features	Quarterly statements, monthly if electronic transfers Free ATM Card* & if you get an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surcharge.	Monthly Statement Free ATM Card* & if you get an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surcharge.	Monthly Statement Free ATM Card* & if you get an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surcharge.
* Personal Accounts Only. Shazam Chek Card and ATM Cards are subject to approval. All account fees are subject to Iowa sales tax. Fees may reduce earnings on the account. Closing fee of $30.00 applies to all accounts closed within 90 days of opening date.


	Want to diversify your financial portfolio? Or create a nest egg? Certificates of Deposits offer many advantages for investors and are typically a very popular addition to portfolios. We offer a competitive interest rate for a fixed term and your deposit is FDIC insured. Simply call, e-mail or stop in to choose the terms that fit your savings goals. Click here for current CD Rates.

	It’s so easy, use this card instead of writing a check. Whenever you make a purchase simply hand your SHAZAM Chek Card to the clerk wherever the Debit MasterCard is accepted. Instead of charging the purchase, the funds are withdrawn directly from your checking account. It can also be used to get cash at Automated Teller Machines (ATMs) nationwide. Whether you are buying groceries or needing extra cash, this card has it all! Ask a Personal Banker for more details. Use your ATM card to get cash, check your balance, transfer funds between checking and savings accounts, and make deposits. Your card can be used at ATMs 24 hours a day, 7 days a week at any location displaying the SHAZAM® or CIRRUS symbols. An ATM Card is easy to carry, it’s always with you, every day — at home or away. It’s easy, it’s fast, and it’s safer than carrying cash. Enjoy hassle free bill paying, use your checking account to make electronic payments for: • Loan Payments • Utility Payments • Insurance Payments If you have automatic payments with your current account and want to switch to our bank, we’ll make it easy and handle all the paperwork for you! Want a great way to get started with a regular savings plan? Simply decide how much you want to put in your savings account each month, and we will handle it automatically for you!

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