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PERSONAL CHECKING ACCOUNTS

Checking That Fits Your Life

Your life doesn't stand still, and your checking account shouldn't slow you down. Whether you're depositing your paycheck, paying bills online, or simply managing everyday expenses, we're here to help you stay connected to what matters most.

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Personal Checking Products

Free Interest Checking
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Free Interest Checking

A simple, flexible checking account that gives you everyday convenience with the opportunity to earn interest on qualifying balances.

Account Highlights

  • No minimum balance required
  • Interest paid on balances of $5,000 and greater
  • First order of checks included (select styles)
  • 24/7 online, telephone, and ATM banking
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50+ Free Interest Checking
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50+ Free Interest Checking

A checking account designed for customers age 50 and older, offering interest, convenience, and added value for your everyday banking needs.

Account Highlights

  • No minimum balance required
  • Interest paid on balances 
  • Free checks included (select styles)
  • 24/7 online, telephone, and ATM banking
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Interest Money Market
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Interest Money Market

A flexible account that combines convenient access to your money with the ability to earn interest, making it a helpful option for customers who want to maintain liquidity while building balances.

Account Highlights

  • No minimum balance required
  • Interest paid on balances
  • 6 debit transactions per monthly statement cycle included
  • First order of checks included (select styles)
  • 24/7 online, telephone, and ATM banking
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Personal Solutions

Everyday Banking. Local Support.

Everything you need to manage your checking account with confidence, backed by convenient tools and a local team that's here when you need us.

Online & Mobile Banking

Stay connected to your finances with secure online and mobile banking, mobile deposit, bill pay, and easy account management wherever life takes you.

Online Bill Pay

Simplify your monthly routine with secure online bill payments and scheduled reminders, included with your personal Central Penn Bank checking account.

Safe Deposit Box

Protect important documents and valuables with your first year of rental free when opened with a personal checking account.

Nationwide ATM Access

Use over 40,000 surcharge-free MoneyPass® ATMs across the country.

Overdraft Privilege

Unexpected expenses happen. Overdraft Privilege can help cover qualifying transactions, with coverage amounts based on your checking account type. (Fees Apply)

Benefits Plus®

Enhance your account with additional benefits and valuable protection services, including Identify Theft Protection. (Fees Apply)

Local Support

Bank with a team that knows your community and is here to help every step of the way.

Health Savings Accounts (HSA)

Save for healthcare expenses while enjoying potential tax advantages.* If you're enrolled in a high-deductible health plan (HDHP), a Health Savings Account can help you pay for qualified medical expenses today while building savings for the future. Contributions may be tax-deductible, earnings grow tax-free, and qualified withdrawals remain tax-free.*

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Health Savings Accounts (HSA) Features

No minimum opening deposit
No minimum opening deposit
No minimum balance requirement
No minimum balance requirement
No monthly service charges
No monthly service charges
Tiered interest earned on all balances
Tiered interest earned on all balances
No monthly service fee
No monthly service fee
Free checks (select styles)
Free checks (select styles)
Debit card available
Debit card available
24/7 online, telephone, and ATM banking
24/7 online, telephone, and ATM banking
IRS contribution limits may exceed your health plan deductible
IRS contribution limits may exceed your health plan deductible
Your account stays with you, even if you change employers
Your account stays with you, even if you change employers
Employer contributions may be available
Employer contributions may be available

*Please consult your tax advisor regarding eligibility requirements and potential tax benefits associated with a Health Savings Account.

Frequently Asked Questions

Can I open a checking account online?

Yes. Central Penn Bank & Trust offers a convenient online account opening process, allowing you to get started from anywhere. You can also visit any of our local offices for personalized assistance.

What do I need to open a checking account?

You'll typically need a government-issued photo ID, Social Security number, basic personal information, and an opening deposit. Additional information may be required depending on the account type.

What is the difference between Overdraft Protection and Overdraft Privilege?

 

Overdraft Protection links your checking account to another eligible account, such as a savings account. If there aren't enough funds available in your checking account, money is automatically transferred from the linked account to help cover the transaction.

Overdraft Privilege is a discretionary service that may allow qualifying transactions to be paid when sufficient funds are not available in your account, up to your approved coverage limit. Coverage amounts vary based on your checking account type.

Applicable fees may apply to Overdraft Protection transfers and Overdraft Privilege services.

Can I access my checking account from my phone?

Yes. With online and mobile banking, you can check balances, deposit checks, transfer funds, pay bills, and manage your account anytime, anywhere.

Why choose a community bank for my checking account?

Community banks offer the convenience of modern banking technology combined with local service and personal relationships. At Central Penn Bank & Trust, you'll work with a team that understands your community and is committed to helping you reach your financial goals.

Ready to get started?

Enjoy the convenience of modern banking tools, the confidence of local support, and a checking account designed around your everyday needs.

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