eCentive® Account

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The eCentive® Account is an interest-bearing checking account offering a premium interest rate and ATM fee refunds when you meet monthly qualifications.  Even if you don't qualify monthly, it's still an interest-bearing checking account with no minimum balance and no monthly service charge! Open an account now!

Account Features

  • $50 minimum to open account.
  • No minimum balance
  • No monthly service charge
  • Debit card
  • FREE eStatements available
  • Overdrafts & NSF: $30 per item
  • $30 fee if any account is closed within 6 months of opening 
  • Free Online Banking, ePay online bill pay, Mobile Banking and more!

When you meet these three easy qualifications...

  • Make 10 or more debit card payments and/or purchases that will post to your account each month (excluding ATM transactions)
  • Have at least one direct deposit or automatic payment (ACH) each month
  • Receive a monthly eStatement

You can earn these monthly incentives:

  • Earn our highest yielding checking interest rate on balances up to $25,000.00
  • Automatic refunds of your ATM fees, nationwide, up to $25 per month


During the approval process it may be found that additional information or documentation may be necessary in order to open the account. We will contact you for any additional information needed to open your account.

Federal banking regulations require that you read the account disclosure when you apply for a bank account.