Account/Service Fee
Star Account

$8 per month

No fee if minimum daily account balance remains above $500 during the statement cycle

5 Star Protection Account $5.16 per month ($3.16 for seniors 60+)
Gold Star Account

$9 per month

No fee if minimum daily balance remains above $1,000 during the statement cycle

For business accounts, 250 processed items are allotted per statement cycle without fee ($0.25 per additional item)

Rising Star Account No fee
Merchant Star Account

$10 per month

No fee if the minimum daily balance remains above $1,000 during the statement cycle

250 processed items are allotted per statement cycle without fee ($0.25 per additional item)

Money Market 

$10 per month

No fee if minimum daily balance remains above $2,500 during the statement cycle

$5 per withdrawal after the 6th withdrawal per month

Savings Account

$5 per withdrawal after the 6th withdrawal per quarter

$5 service charge will be assessed quarterly based on a minimum daily balance of $100. Not assessed for primary account holders under the age of 24.

Certificates of Deposit Penalty for early withdrawal
ATM Transactions

$2 ATM withdrawal fee may be charged for withdrawal from ATM not owned by Centennial Bank.

Surcharge Fee: Owners of non-Centennial Bank ATMs may impose additional surcharge for using their ATMs. If the ATM is marked with the SHAZAM privileged status symbol, there is no surcharge.

Centennial Bank SHAZAM
ATM/Debit Card

Standard ATM/Debit card FREE with any Centennial Bank checking account

$5 replacement fee for a standard SHAZAM ATM/Debit card

Return Item Fee (includes checks and ACH items) $15 per item
Deposit Item Return Charge $7.50 per item
Overdraft Fee (includes checks, ACH & other electronic transactions) $30 per item
Negative Balance Fee

A fee of $5 per business day the bank is open will be imposed if the negative balance is not brought positive within 6 days.

This fee also applies when any item causes an account to be negative including the imposition of other fees.

Transfer From a Linked Account to Cover Overdraft $5 per transfer (only one automatic transfer is made per day)
Stop Payment $30 per item
Wire Transfers $20 domestic/$70 international for each incoming/outgoing
Account Research $10 per hour (1 hour minimum)
Account Activity Printout $1 per printout
Photocopies 25¢ copy
Dormant Account Fee

For checking acccounts, $5 monthly if balance is less than $1,000 after one year of inactivity.

For savings accounts, $5 monthly if balance is less than $1,000 after two years of inactivity.

Faxes

$2 for first 2 pages, 25¢ each additional page

$2 for all faxes using EZ Access Telephone Banking (unlimited pages per fax)

Cashiers Checks $5 each
Foreign Check Processing Fee (including Canadian Checks) $20 each
Monthly Statement

Free online banking statement or $3 fee for paper statement

$2 fee for images of back of check(s) – per month

$3 fee for replacement statement

Assisted Transfer (Telephone) $2 fee
Escheatment Fee (Unclaimed Property)

$100.00 per account

Levy/Garnishment Administrative Fee

$1 to $100 (per occurrence)

Centennial Bank reserves the right to charge a fee equal to half the levy/garnishment amount, up to $100.