Personal Checking & Savings

Make goals, plan ahead, and handle your finances easily with our personal banking services.

Choosing the best account for you is a breeze at CenBank! We have checking and savings accounts to fit all situations. Take a look at our options and talk to your banker today.

Checking Accounts

What checking account is best for you?

Essential Checking

Minimum balance to open account: $25
• No interest paid
• Online banking & E-statements required ($2 monthly Statement Fee if not enrolled in e-statements)

Premier Checking

Minimum balance to open account: $2,500
Minimum balance fee: $15
Minimum daily balance to earn interest or avoid minimum balance fee: $2,500
• Interest paid monthly
• 6 free withdrawals per month (excess withdrawal fee of $3 each for withdrawals over 6 per month)

Primetime Checking

Minimum balance to open account: $100
Minimum daily balance to earn interest: $500
• Interest paid monthly
• No monthly service fee
• Primary account holder must be age 55 or older
• 2 Free boxes of “CenBank” style checks per calendar year
• No fee for money orders

Relationship Checking

Minimum balance to open account: $25
• No interest paid
• $3 Monthly Service Fee will be imposed on every monthly statement cycle unless you maintain a combined average direct relationship balance of $5000 (checking, savings, CD, and loan)

Advantage Checking

Minimum balance to open account: $500
Minimum daily balance to earn interest: $500
• Interest paid monthly
• Tiered interest rates
• No monthly service fee
• Monthly direct deposit required

Savings Accounts

What savings account is best for you?

Personal Savings

Minimum balance to open account: $100
Minimum daily balance to earn interest: $250
• Interest paid quarterly
• Minimum Balance Fee: $2
• Minimum daily balance to avoid minimum balance fee: $100
• 3 free withdrawals per month (excess withdrawal fee of $1 each for withdrawals over 3 per month)

Future Savings

Minimum balance to open account: $5
• Interest paid quarterly
• 6 free withdrawals per month (excess withdrawal fee of $1 each for withdrawals over 6 per month)
• Primary account holder must be under 18 years of age to open this account

Savings Plus

Minimum balance to open account: $1,000
• Minimum daily balance to earn interest or avoid minimum balance fee: $1,000
• Interest paid monthly
• Tiered interest rates
• 3 free withdrawals per month (excess withdrawal fee of $3 each for withdrawals over 3 per month)

Easy Save Account

Minimum balance to open account: $25
Minimum daily balance to earn interest: $250
• Interest paid quarterly
• Tiered interest rates
• 6 free withdrawals per quarter (excess withdrawal fee of $5 each for withdrawals over 6 per quarter)
• E-statements required or a $2 Statement Fee per statement
• $25.00 or greater Automatic Funds Transfer (AFT) per month from one or more CenBank checking accounts into the Easy Save Account is REQUIRED

CenBank Locations

Routing Number: 091906731

Buffalo Lake, MN

(320) 833-5325
109 West Yellowstone Trail
PO Box 188
Buffalo Lake, MN 55314

Hutchinson, MN

(320) 587-2265
1380 Montreal St SE
PO Box 398
Hutchinson, MN 55350

Ortonville, MN

(320) 839-6123
113 1st St NW
Ortonville, MN
56278

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Due to a water breakage the Hutchinson location will be closed for the remainder of the day.