Personal Checking Accounts
Designed to meet your everyday banking needs.
Discover Your Perfect Checking Account
Finding the right checking account is essential for managing your money. At Centris, we offer a range of personal checking accounts designed to fit every lifestyle and financial need, from everyday banking to maximizing your earnings. No matter your financial goals, we have a checking account solution to help you manage your money effectively.
Dividend Checking
- Pays dividends
- $10 monthly service fee waived if minimum daily balance is $1,500 or if direct deposit is set up
- 2 non-network ATM fees waived monthly
- First box of checks are FREE
Totally Free Checking
- No minimum balance or monthly service fee
- First box of checks are discounted
Basic Access Checking
- No minimum balance
- $5 monthly service fee reduced by $2 with eStatements and an additional $3 with monthly debit card use
- No overdraft or non-sufficient funds fees
- Checkless banking with a monthly allowance of 4 complimentary cashier’s checks
- Bill Pay is not available
Our Basic Access Checking account is certified by Bank On, guaranteeing a safe, low-cost way to manage your money.
Dividend
Checking
Earn More, Bank Smarter
Imagine a checking account that offers flexibility with earning power. Look no further because our Dividend Checking account offers growth potential with a competitive Annual Percentage Yield (APY). Designed for those who maintain a healthy balance or use direct deposit, this account makes it easy to waive the monthly service fee by maintaining the minimum daily balance of $1,500 or have a qualifying direct deposit.
This checking account is packed with features to help simplify your money management and enhance your financial security:
- Cash on Your Terms: We’ll waive up to two monthly ATM usage fees at non-network ATMs, giving you flexible access to your cash wherever you are.
- Worry-Free Spending: Peace of mind with optional Overdraft Protection or Courtesy Pay.
- Ready to Go: Hit the ground running with a free first box of checks and an instant issue debit card for immediate access to your funds.
- Bank Your Way: Manage your money with free digital banking tools — including mobile and online banking, bill pay, eStatements, and account alerts.
Open your Dividend Checking account today and maximize your earnings!
Dividend Checking Account Rates
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| Any Balance | .10% | .10% | $0.01 |
Totally Free Checking
Financial Freedom, No Strings Attached
Say hello to financial freedom with our Totally Free Checking account. We believe banking should be simple, transparent, and designed to make your life a little easier.
Enjoy the convenience of free digital banking tools — including mobile and online banking, bill pay, eStatements, and account alerts — so you can manage your money anytime, anywhere. Plus, you’ll receive an instant-issued debit card, so you can start making purchases right away.
Take advantage of the freedom that comes with no monthly service fees and no minimum balance requirements — helping you make the most of your money every day. And for those unexpected moments, we’ve got you covered with optional overdraft protection and Courtesy Pay, offering peace of mind when you need it most.
Ready to experience banking with no fees or minimum balances? Open your Totally Free Checking account today.
Totally Free Checking Account Rates
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| Non Dividend Bearing Account | N/A | N/A |
Basic Access Checking
The Safe Start to Simple Finances
Ready for a checking account that’s safe, affordable, and easy to manage? Our certified Basic Access Checking account is designed for straightforward money management, eliminating overdraft fees and non-sufficient funds (NSF) fees.
Start your financial journey with just a $25 opening balance. Enjoy the convenience of modern banking with free online and mobile banking, allowing you to manage your funds anytime, anywhere. This checkless account is ideal for everyday spending, and you’ll receive an instant issue debit card so you can start making purchases right away. Plus, you can effortlessly track your spending with eStatements, providing you with instant electronic access to your transaction history.
While there’s a low $5 monthly service fee, it’s easy to reduce — or even eliminate it!
- Save $2 by enrolling in eStatements.
- Save an additional $3 when you use your debit card monthly for a purchase transaction.
- Age 19 or under? Your monthly service fee is $0.
Ready for banking that’s simple and stress-free? Open your Basic Access Checking account today and take the first step toward easier money management.
Basic Access Checking Account Rates
| Tier | Dividend Rate | APY | Minimum balance to earn stated APY |
|---|---|---|---|
| Non Dividend Bearing Account | N/A | N/A |
Compare Checking Accounts and Find Your Ideal Banking Solution
2Basic Access Checking: A $5 monthly service fee can be reduced by $2 when account is enrolled in eStatements and can be reduced by $3 when the account’s debit card is used monthly.
3Fees may still be charged by the merchant if a transaction is returned.
Your Everyday Banking, Elevated
Every personal checking account comes with these great features and benefits.
Free Instant Issue Debit Card*
Free ATM Access
to more than 80,000 surcharge-free ATMs through the Allpoint & CO-OP networks
Your Centris Visa® Debit Card
Free with any personal checking account.
- Accepted at millions of locations
- Safer than cash
- Helps you track your spending
- Incurs no finance charges
- Instantly replaced at branch if lost or stolen*
- Add your card to one of our available contactless payments: Apple, Samsung, or Google Pay
Learn more here - 24/7 control with our Centris Visa® Debit Card Companion App.
*A replacement debit card for a stolen or damaged card is free. For a lost debit card, there is an $8.00 replacement fee.
**Data and message rates may apply.
Beyond the Basics, Built for You
Discover the extra services that make managing your money simpler, from effortless savings with our Centris Round-Up program to peace of mind with overdraft coverage.
Spend and Save — It’s That Simple!
Enroll in Centris Round-Up as an easy way to increase your savings without even thinking about it.
Overdraft Coverage
We understand that life happens, which may lead to insufficient funds in your checking accout. We’re here to support and assist you at every step of your financial journey. Learn more about the overdraft coverage options we have available.
Find a Branch Near You
Omaha and Council Bluffs
Find a checking account that meets your needs at one of our locations across the Omaha metro, including La Vista and Bellevue.
North Platte
Start achieving your financial goals by opening a personal checking account at our North Platte branch today.
Grand Island
Open a personal checking account that fits your needs by visiting our dedicated team of experts in Grand Island today.
Programs, rates, terms and conditions are subject to change without notice. Inquire at Centris for complete terms and conditions at (800) 334-2328.
Certain fees may apply for inactivity and non-routine items such as overdraft and non-sufficient funds (NSF) Fees. Refer to your account disclosures regarding any such fees that may apply.