Make a loan payment with a debit card


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Checking

Important Information About Procedures for Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all banks to obtain, verify and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver’s licenses or other identifying documents.

FREE KASASA CASH CHECKING

Enjoy high interest earnings and refunds on ATM withdrawal fees.*

Free Kasasa Cash® checking is free checking that pays — earn up to 2.00% APY* every month just for doing banking basics that you probably already do, like using your debit card.

You’ll also get refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM, whether you’re in Milledgeville or elsewhere. Link your account to a Kasasa Saver® to make saving simple.

DETAILS

  • Free checking plus really high interest
    • 2.00% APY* on balances up to $24,999.99
    • 2.00% to 0.60% APY on balances over $24,999.99 depending on balance in account*
    • 0.05% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide (unlimited)*
  • Link to Kasasa Saver to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking
  • Free mobile banking with mobile deposit
  • Free eStatement
  • Free online bill payment available
  • Unlimited check writing
  • $50 minimum deposit to open

Don’t forget to open your Kasasa Saver account to maximize your rewards!

EARNING YOUR REWARDS IS EASY!

All that stands between you and your rewards are things you probably do anyway. To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That’s all there is to it! And even if you don’t meet your qualifications during the month, your Kasasa Cash account is still free — and you’ll still earn our base rate of interest. Plus, you can get right back to earning your full rewards the very next month.

*Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Century Bank and Trust as ATM transactions, and purchases made with debit cards not issued by our Bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current monthly statement cycle through one (1) business day prior to the close of the current monthly statement cycle. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, balances up to $24,999.99 receive an APY of 2.00%; and balances over $24,999.99 earn 0.249% interest rate on the portion of balance over $24,999.99, resulting in a range from 2.00% to 0.60% APY depending on the account’s balance (assuming an average balance of $125,000.) You will receive reimbursements for domestic ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within 60 days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash qualifications are not met, all balances in the account earn .05% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the monthly statement cycle. APY = Annual Percentage Yield. APYs are accurate as of 01/16/2018. Rates and rewards are variable and may change at our discretion after account is opened without notice to you. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. At least 12 debit card transactions, enrollment electronic services (e.g. online banking, electronic statements) and log-ons are required to meet some of the account’s qualifications.  Limit one account per Social Security Number. There are no recurring monthly service charges or fees to open or close this account. Contact a Century Bank and Trust service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.

FREE KASASA CASH BACK CHECKING

Enjoy cash back on debit card purchases and refunds on ATM withdrawal fees.*

Free Kasasa Cash Back® pays you to go shopping — get 2.50% cash back on your everyday debit card purchases up to $90 per year ($7.50 per month).*

You’ll also get refunds on ATM withdrawal fees, nationwide — so you can get to your money anywhere, anytime. Link your account to a Kasasa Saver® to make saving effortless.

DETAILS
  • Free checking that pays you back
  • 2.50% cash back on debit card purchases*
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $90 cash back per year, $7.50 per month
  • Refunds on ATM withdrawal fees, nationwide (unlimited)*
  • Link to Kasasa Saver to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking
  • Free mobile banking with mobile deposit
  • Free eStatement
  • Free online bill payment available
  • Unlimited check writing
  • $50 minimum deposit to open

Don’t forget to open your Kasasa Saver to maximize your rewards!

EARNING YOUR REWARDS IS EASY!

All that stands between you and your rewards are things you probably do anyway. To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

See? No biggie. And even if you don’t meet your monthly qualifications, your Kasasa Cash Back account is still free. Plus, you can get right back to earning your rewards the very next month.

*Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Century Bank and Trust as ATM transactions, and purchases made with debit cards not issued by our Bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.50% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are not met no cash back payments are made and ATM fees are not refunded. You will receive reimbursements for domestic ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within 60 days of transaction for reimbursements of individual ATM fees of $5.00 or higher. Kasasa Cash Back payments will be credited to your Kasasa Cash Back account on the last day of Statement Cycle. Rates and rewards are variable and may change at our discretion after account is opened without notice to you. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. At least 12 debit card transactions, enrollment electronic services (e.g. online banking, electronic statements) and log-ons are required to meet some of the account’s qualifications.  Limit one account per Social Security Number. There are no recurring monthly service charges or fees to open or close this account. Contact a Century Bank and Trust service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.

 


 


1For additional information see our Fee Schedule or contact us.

Regular Checking Account

This account offers all of the basic features and benefits you would expect in a checking account.

Features and benefits:

  • Minimum to open is $50
  • Unlimited debits
  • A $5.50 balance fee (in the service charge) will be imposed each month if the balance falls below $500 any day of the statement cycle.
  • A $10 service charge will be charged for accounts closed within 6 months of the opening date.