Century Bank - Personal - Checking

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Checking
Different customers look for different things in a checking account. That is why Century Bank offers so many checking options. No matter what account you choose, you will receive our streamlined statement that provides you with complete details of your account activity in an easy-to-read format, making reconciliation simple.

Account Name	Earns Interest	ATM & POS Fees¹	Maintenance Fee	Minimum Balance Requirement To Waive Maintenance Fee
Executive Checking	Yes*	No ATM or POS fees	$15	$5,000 average daily ledger balance or an aggregate deposit relationship balance in your Century Bank accounts** of $25,000
Preferred Checking	Yes*	No ATM or POS fees	$9	$2,500 average daily ledger balance or an aggregate deposit relationship balance in your Century Bank accounts** of $5,000
Classic Checking	No	No POS or Century ATM fees plus 6 free non-Century Bank ATM transactions monthly	$7	$500 average daily ledger balance or an aggregate deposit relationship balance in your Century Bank accounts** of $2,500
Free Checking	No	No POS or Century ATM fees plus 4 free non-Century Bank ATM transactions monthly	None	None
Cool Cash Personal Money Market Checking	Yes*	No ATM fees	$10	$2,500 average daily ledger balance

*	Earns interest for $10 or higher minimum daily ledger balance.
**	Century Bank accounts refers to the total of the average daily ledger balance in savings and checking for the monthly period, plus certificate of deposit balances.

For added convenience, you may apply for a Century Bank MasterMoney™ ATM/Debit Card for 24 hour access to your funds, unlimited free point-of-sale (POS) transactions, and no monthly transaction fees.¹ Your ATM transactions conducted at a Century Bank ATM are always free and unlimited.

Get instant cash and be able to access your account(s) at hundreds of thousands of ATMs in the NYCE® and Cirrus® networks or SUM^SM Program Member ATMs. And with Century Bank’s membership in the NYCE Shared Deposit Program, Century Bank customers can use over 200 ATMs to perform deposit transactions. Look for the NYCE Deposit Mark on participating banks’ ATMs.

To get a list of participating banks' ATMs, click either "ATM Locator/NYCE Shared Deposit Program" or "ATM Locator/SUM^SM Program Member Financial Institutions."

We think you will decide that we are clearly the best place to do your banking.

Executive Checking
Manage your daily banking, build your savings, and take advantage of benefits – all in one relationship account.

An interest-bearing checking account. No maintenance fee with an average daily ledger balance of $5,000 or more, or an aggregate deposit relationship balance in your Century Bank accounts** of $25,000 or more.
Free first order of Signature checks.
One year free rental of a personal-sized safe deposit box.
Personal Internet Banking with no fee eXpress Pay.

**	Century Bank accounts refers to the total of the average daily ledger balance in savings and checking for the monthly period, plus certificate of deposit balances.

Preferred Checking
We know customers want to earn interest on balances they maintain, and they want access to their money when and how they choose.

An interest-bearing checking account.
No maintenance fee with an average daily ledger balance of $2,500 or more, or an aggregate deposit relationship balance in your Century Bank accounts** of $5,000 or more.
Personal Internet Banking with no fee eXpress Pay.

**	Century Bank accounts refers to the total of the average daily ledger balance in savings and checking for the monthly period, plus certificate of deposit balances.

Classic Checking
With our Classic Checking Account customers can make up to six (6) fee free ATM transactions monthly at a non-Century Bank ATM.¹

A non-interest bearing checking account.
No maintenance fee with an average daily ledger balance of $500 or more, or an aggregate deposit relationship balance in your Century Bank accounts** of $2,500 or more.
Personal Internet Banking with no fee eXpress Pay.

**	Century Bank accounts refers to the total of the average daily ledger balance in savings and checking for the monthly period, plus certificate of deposit balances.

Free Checking
Free Checking is easy to describe, there is no minimum balance requirement, no per check charge, and no maintenance fee. You can make up to four (4) fee free ATM transactions monthly at a non-Century Bank ATM.¹ Your ATM transactions conducted at a Century Bank ATM are always free and unlimited.

A non-interest bearing checking account.
Detailed monthly statement - checks are truncated.
Personal Internet Banking with no fee eXpress Pay.

Cool Cash Personal Money Market Account
You can earn a competitive interest rate with the added convenience of limited check-writing.

Waive the maintenance fee by maintaining an average daily ledger balance of $2,500 or more.
Get easy access to your money with an ATM Card linked to this account.

¹	Century Bank is a member of the SUM^SM Program. Any ATM with a SUM logo is surcharge free. Other banks may impose a surcharge for the use of their ATM. The SUM Program is administered by and is a registered service mark of the NYCE Corporation. ATMs with the NYCE Deposit Mark will accept your Century Bank deposit. Not every ATM of every NYCE Program Member participates in the NYCE Shared Deposit Program. Be sure to look for the NYCE Deposit Mark for a participating NYCE Shared Deposit Program ATM. Century Bank will impose the non-Century Bank ATM fee for each transaction over the account fee free limit. Please refer to the Important Personal Account Information for Our Customers brochure, www.Century-Bank.com or contact a Customer Service Representative at 866.8.CENTURY for information on your account limit.
²	Money Market and savings account transactions are governed by federal regulations. Transfers from this to another account or to third parties by preauthorized, automatic, computer, or telephone transfer are limited to six per statement cycle with no more than three transfers by check, draft, debit card or similar order to third parties. The third time these limitations are violated within a rolling 12 month period, the account will be transferred into a more appropriate transaction account with unrestricted use.
³	If any electronic transaction (direct deposit, pre-authorized withdrawal, or ATM transaction) is completed during the month, then a monthly statement is sent to the customer.
⁴	Electronic debit transactions are not allowed on passbooks.
⁵	Century Bank Checking Accounts earn a variable rate, which is subject to change without notice after account opening.

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