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Get paid early with Centra!

Switch your direct deposit to Centra and get paid up to one day* early. Plus, get notified when your paycheck is available with account alerts in digital banking! Direct deposits to any Centra checking or savings account are eligible.

Checking that Pays

Cashback Checking lets you earn unlimited cash rewards based on how much you use your account! With this account, you can earn cash each time you use your debit card. At the end of each month, your rewards will be deposited into your Member Loyalty Account (MLA)! If you don’t meet the rewards requirements, you’ll still have a checking account with no minimum balance and no monthly maintenance fees.

Ready for rewards?

Open your Cashback Checking account today to start earning cash just for banking with us.

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What Cashback Tier will you fit in?

Tier One

No requirements, you’ll have:

  • No minimum balance
  • No ATM fees from Centra1 for using another financial institution’s ATM
  • No monthly maintenance fees
  • Courtesy Pay limit of $700, if signed up

Tier Two

If you:

  • Use your debit card at least 15 times per month
  • Are signed up for eStatements and have a direct deposit to your checking account

You’ll have:

  • All the benefits of Tier One
  • $0.05 each time you use your debit card2 added to your MLA at the end of the month
  • Up to $5 in foreign ATM fee refunds3 per month, added to your MLA
  • Courtesy Pay limit of $850, if signed up

Tier Three

If you:

  • Use your debit card at least 25 times per month
  • Are signed up for eStatements and have a direct deposit to your checking account
  • Maintain an average monthly balance of $500 in your checking account

You’ll have:

  • All the benefits of Tier One
  • $0.07 each time you use your debit card¹ added to your MLA at the end of the month
  • Up to $7 in foreign ATM fee refunds² per month, added to your MLA
  • Courtesy Pay limit of $1,000, if signed up

Ready for rewards?

Open your Cashback Checking account today to start earning cash just for banking with us.

Open Online
Contact Us
Make an Appointment

Switching from Another Financial Institution?

Learn how you can move your direct deposits and automatic payments with just a few clicks!

ClickSwitch

Savings that Make a Lot of Cents

Debit Card Round Up lets you “round up” the change on each debit card purchase to the nearest dollar, and it goes to your Member Loyalty Account.

Learn More

*Early access to money from a direct deposit depends on when the payer submits the payment file. Centra generally makes your direct deposit available on the day the payment file is received, which may be one day earlier than the scheduled payment date.

1. Centra will not charge fees for using another financial institution’s ATM with Cashback Checking Tier One. However, the other financial institution may charge fees for using their ATM. 2. Debit card rewards exclude ATM transactions. 3. A foreign ATM fee is the fee another financial institution charges you to use their ATM. Any ATM that does not have Centra’s logo or is not a part of Centra’s free CO-OP ATM Network is generally considered a foreign ATM.

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