Personal Checking Accounts

Whether you are just starting out with your first bank account or an experienced investor ensuring your money is working hard while you do, we have the account that fits your needs. 


All our accounts enjoy the benefits of:

Cendera+ Checking

Amplify and Maximize Your Rewards

  • Earns Interest*
  • Bill Pay at No Cost
  • eStatements at No Cost
  • Online Banking at No Cost
  • Have An Elite Business with Cendera? Cendera+ is complimentary for you!
  • Complimentary First Check Order Kit
  • Minimum Balance Required to Open & Obtain APY is $5,000

Cendera Checking

The Account that Accommodates All of Your Needs

  • No Minimum Balance
  • No Monthly Service Fee
  • Bill Pay at No Cost
  • eStatements at No Cost
  • Online Banking at No Cost
  • Minimum Balance Required to Open is $100

Cendera Student Checking

Smart Banking for a Bright Future

  • Monthly Services fees waived for Students under age 18 (Secondary Owner must be over 18)
  • No minimum balance
  • E Statements at No Cost
  • Online Banking at No cost
  • Bill Pay at No Cost


Terms & Fees may change without prior notice
Minimum balance required to avoid service charge and qualifications may apply.
Account disclosures obtained when opening account contain complete account details
See Schedule of Fees for other applicable charges
Fees and other conditions may reduce the earnings on your account
*We may require not less than 7 days’ notice before each withdrawal from an interest-bearing account other than a time deposit or from any other savings account as described by Regulation D
For current interest rates call (903) 965-7755