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All Centra checking accounts come with a MasterCard® Debit Card, Online and Mobile Banking, Online BillPayer, eStatements, email and text alerts, Bank-by-phone, Loan Check-Up, First 50 checks, and Online Check Images.

 High Interest CheckingRewards CheckingFree CheckingStudent CheckingOpportunity Checking
DescriptionEarn dividends on your checking accountEarn rewards and perks on your checking accountExperience totally free checkingManage your money but have full access to your fundsGet a fresh start and rebuild your credit
Monthly Fee$0 with direct deposit eStatements, and at least 15 debit card transactions per month, otherwise $5$3$0$0 if under 25 years of age, otherwise $5$5 with direct deposit
Minimum Balance$0$0$0$0$0
Earn Dividends1
Earn Rewards2
Overdraft Options3
CU Mall Online Retail Discounts
.25% Loan Discounts4
Fraud Defender Identity Protection5Available for purchase
Available for purchase
Available for purchase
No Centra Fee on non-Centra ATM transactions1st 4 non-Centra ATM transactions per month1st 4 non-Centra ATM transactions per month1st 4 non-Centra ATM transactions per monthAll non-Centra ATM transactions1st 4 non-Centra ATM transactions per month

1. Dividends are based on balance tiers. Earn bonus dividends if signed up for Direct Deposit, eStatements and make at least 15 debit purchase transactions each month, otherwise maintenance fees may apply and could reduce earnings on deposit accounts. 2. Earn points toward domestic and international airline tickets, hotel stays, cruises, merchandise and gift cards. 3. Options include Courtesy Pay, Home Equity Line of Credit, LoanLiner Loan, and Savings and Money Market Account Transfers. Opportunity Checking does not include Courtesy Pay service. 4. Must be new money to Centra to qualify. Applies to personal loans closed at a Centra location. Not available on credit cards, mortgages, or lines of credit. Requires electronic payment from Centra account. Cannot be combined with other offers. 5. Fraud Defender Identity Protection Basic coverage is included with all Rewards and Student Checking accounts. Additional coverage is available for purchase. Note: All checking accounts require a Centra Credit Union membership. Opening a savings account establishes membership. You will need a $5 deposit ($25 for businesses). Your $5 deposit will be released upon leaving Centra.