The Smart Checking Account

Introducing a breakthrough in personal finance - a checking account that pays an extremely generous interest rate; all you do is take advantage of Centennial’s free financial tools.

It’s easy: make ten Visa Check Card purchases, receive one direct deposit and pay at least four bills using Centennial’s free online bill payment service each statement cycle (monthly) and you will earn an incredible *4.00% APY. There are never maintenance fees or hidden service charges, just great interest. You’ll also receive:

  • Free online Banking and Bill Pay
  • Free VISA® Check Card/ATM Card
  • Access to 32,000 free Allpoint ATMs
  • Three Free Bank-to-Bank Transfers per month

Complete the following steps to open your smart checking account

  1. Enter Your Personal Information
    For identification purposes, you will need your driver’s license. You will also need to enter your bank’s routing number, found on your personal checks.
  2. Read the account disclosures
    The disclosures contain important information about banking at Centennial.
  3. Review and submit
    You will be able to edit your information before it is submitted. To avoid losing your information do not use your browser's back button.
  4. Fund Your Account
  5. To help you make the transition from your old account to the new Smart Checking Account use our Switch Kit. Our routing and transit number is 124302998.
  6. Click HERE to Get Started!

If you have questions please call our online support hotline at 888-449-3398

*4.00% Annual Percentage Yield (APY) paid on entire balance each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a free account and you will still earn a good rate of 1.26% annual percentage yield. There is a $100 minimum to open the Smart Checking Account. Statement cycle starts on the 10th day of the month. Annual Percentage Yields are effective June 26, 2008. Rates are subject to change without notice. Paper checks are not issued on accounts opened online.