Central Bank Promotions: $50, $300, $500 Checking, Business, Referral Bonuses (CO, IL, KS, MO, OK)

Find the latest listing of Central Bank promotions, bonuses, and offers here.

Update 5/8/25: The $300 personal checking bonus has been extended through 12/31/25 and the $500 business checking bonus is still available through 7/31/25.

Central Bank $300 Checking Bonus

• What you’ll get: $300 bonus
• Availability: OK, MO
• Credit Inquiry: Soft Pull
• Credit Card Funding: Up to $1,000 with a credit card. Mastercard & Visa accepted
• Early Termination Fee: None listed, check with CSR for more information
• How to earn it:
  • To receive the $300 checking bonus, open and maintain any personal checking account except Free Checking using offer code RAF300.  Free Checking is not an eligible checking account.
  • Deposit $50 or more at account opening; and have at least two or more direct deposits with a cumulative total of $250 within 90 days of account opening.
  • Bonuses will be deposited into the checking account within 15 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days.

(Offer expires 12/31/2025)

Central Bank $500 Business Checking Bonus

• What you’ll get: $500 bonus
• Availability: OK, MO
• Credit Inquiry: Soft Pull
• Credit Card Funding: Up to $1,000 with a credit card. Mastercard & Visa accepted
• Early Termination Fee: None listed, check with CSR for more information
• How to earn it:
  • To receive the $500 checking bonus:
  • Open a new business checking account using offer code 500BB13
  • Deposit $50 or more at account opening, and
  • Have at least a $3,000 balance 90 days from the date of account opening.
  • Bonus will be deposited into the business checking account within 15 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days.

(Offer expires 07/31/2025)

Central Bank $50 Referral Bonus

• What you’ll get: $50 bonus
• Availability: OK, MO (Bank Locator)
• Credit Inquiry: Soft Pull
• Credit Card Funding: Up to $1,000 with a credit card. Mastercard & Visa accepted
• Early Termination Fee: None listed, check with CSR for more information
• How to earn it:
  • For every friend who opens a checking account, you will get $50 (up to $5000 per calendar year).

(Limited time offer)

Central Bank $800 Checking Bonus (Expired)

• What you’ll get: $800 bonus
• Availability: St. Louis market
• Credit Inquiry: Soft Pull
• Credit Card Funding: Up to $1,000 with a credit card. Mastercard & Visa accepted
• Early Termination Fee: None listed, check with CSR for more information
• How to earn it:
  • Open any eligible checking account, and
  • Have two or more direct deposits within the first 90 days totaling:
    • $250 to $4,999.99 to earn $300
    • $5,000 or more to earn $800
  • Promo Code: JOIN

(Offer expires 01/06/2025)

Central Bank $400 Checking & Savings Bonus (Expired)

• What you’ll get: $400 bonus
• Availability: OK, MO (Bank Locator)
• Direct Deposit Requirement: Yes, two or more direct deposits
• Credit Inquiry: Soft Pull
• Monthly Fee: None
• Early Termination Fee: Unknown
• How to earn it:
  • To receive the $300 checking bonus open a new eligible personal checking account using promo code Roots400
    • Eligible accounts include MyChoice Checking, MaxMoney® Checking, Free Checking, Preferred Interest Checking, and World Checking.
    • Deposit $50 or more at account opening; and have at least two or more direct deposits within 90 days of account opening.
  • To receive the $100 savings bonus:
    • Open a new SaveUp Savings account at the same time as your eligible Checking account;
    • Deposit $50 or more at account opening; AND
    •  Have at least a $500 balance 90 days from the date of account opening.

(Offer expires 07/31/2023)

How to Avoid Monthly Fees

• MyChoice Checking: $3 monthly fee waived with electronic statements and one of the following:
  • Maintain a recurring direct deposit; or,
  • Use your debit card at least 10 times for a point of sale transaction; or,
  • Keep an average daily balance of at least $500; or,
  • Set up a monthly recurring transfer from MyChoice Checking to SaveUp℠ Savings
• MaxMoney Checking: $8.95 monthly fee
• Preferred Interest Checking: $10 monthly fee waived with:
  • A daily balance of $1,000; or,
  • Average daily balance of $2,000 during a monthly statement cycle
• World Checking: $20 monthly fee waived with:
  • $15,000 average balance; or;
  • $250,000 relationship banking; or
  • $250,000 Central Investment Advisors or a Central Trust Company client.
• Small Business Checking Account: Not listed
• Business Checking Plus: Minimum average collected balance of $10,000 to avoid monthly maintenance fee
• Commercial Checking: Allows you to offset monthly fees with an earnings credit on balances kept in your account.
• Commercial – Seasonal Account: Fees are waived if the average collected balance is $1,000 or greater and the account has 200 or less transactions for the month.

Author’s Verdict

To summarize, Central Bank has some of the best promotions, bonuses, and offers in Washington. With online, mobile, and text banking, you can manage your money from anywhere!

For more current offers, check out our bank bonuses page. Compare Central Bank rates for CDs and Savings with our best rates for Savings  and CD accounts.

Be sure to check more popular bank promotions include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.