Deposits

Checking & Savings Accounts

At Central National Bank, we’re all about choices.  That’s why we offer a variety of checking accounts with features you need to make the most of your money…and your time.  No matter which account you choose, you’ll have access to the following convenient features:

  • Visa Debit Card
  • CentraNet! Online Banking
  • Mobile CentraNet!
  • Online Bill Pay
  • E-Statements & E-Notices
Personal Account

For most, this account is a convenient and economical option for managing your money, day in and day out.

  • Minimum Opening Deposit – $50
  • Daily Balance Requirement – $500
  • Average Daily Balance Requirement – $1,000
  • Minimum Service Fees:
    • Balance Under $500:  $1
    • Balance Under $400:  $2
    • Balance Under $300:  $3
    • Balance Under $400:  $4
    • Balance Under $100:  $5
  • There is a charge of $0.15 per check if balance falls below minimum.
Simple 1-2-3 Account

An ideal choice for those just getting started.

  • Minimum Opening Deposit – $50
  • No Minimum Balance Required
  • Monthly Service Fees:
    • Each Month:  $3
    • Balance Under $100:  $4
  • There is a charge of $0.50 per check in excess of 20.
Classic Account

Exclusively for customers over 60 years of age.  This account earns interest while offering many special benefits.

  • Minimum Opening Deposit – $50
  • No Minimum Balance Required
  • No Monthly Service Fee
  • Classic Checking Benefits:
    • A competitive market rate of interest paid monthly
    • Free bank stock checks (singles)
    • Discount on Safe Deposit Boxes
    • Free cashier’s checks and money orders
NOW Account

A flexible, interest-bearing account with some limitations on check writing.

  • Minimum Opening Deposit – $50
  • Minimum Balance to Avoid Service Fees
    • Daily Balance – $1,000
    • Average Daily Balance – $2,000
  • Monthly Service Fee – $8 if balance falls below minimum
  • NOW Account Additional Features:
    • A competitive market rate of interest paid monthly
    • Unlimited ATM transactions.  Fee free at CNB owned ATMs.  All others, $0.50 per balance inquiry, $0.75 per withdrawal.
  • There is a charge of $0.15 per check if balance falls below minimum.
Certificates of Deposit / Time Deposits

For inquiries about rates on Certificates of Deposit, please give us a call (254.776.3800) or send an e-mail to info@cnbwaco.com.