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  Century Bank- Business Choice
Century Bank- Business Choice Unaffiliated

Century Bank- Business Choice

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.25%
Monthly Fee $8
(Verified 07/16/2022)
Minimum Balance to Avoid Monthly Fee Starting at $1,000

Century Bank- Business Choice Review

Century Bank- Business Choice is offered by Century Bank-NM, founded in 0 and based in , . Century Bank- Business Choice are available in 1 state across the USA.

Key Takeaways

  • Higher than average APY. Century Bank- Business Choice has an annual percentage yield of up to 0.25%, which is higher than the national average interest rate on savings accounts.
  • $0 monthly account fees available. This account charges a monthly service fee of $8, but the fee is waived if you keep a minimum balance of $1,000, have a monthly direct deposit of $100,001, or $100,001 combined balance accross eligible accounts.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. Century Bank- Business Choice does not charge fees on ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Century Bank-NM.

Century Bank- Business Choice Pros & Cons

Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Monthly service charge (if minimums are not met).

Century Bank- Business Choice FAQ

Are checking accounts from Century Bank-NM federally insured?

Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Century Bank- Business Choice offer?

Century Bank- Business Choice Rates & Terms
Description
APY (Annual Percentage Yield) 0.25%

Century Bank- Business Choice offers an APY of 0.25% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Century Bank- Business Choice?

Century Bank- Business Choice requires a minimum initial deposit of $100 to open an account.

Century Bank- Business Choice Minimums
Description
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $1,000
Minimum Combined Balance to Avoid Monthly Fee $100,001
Minimum Direct Deposit to Avoid Monthly Fee Starting at $100,001
Minimum Balance to Earn APY $0

What fees does Century Bank- Business Choice charge?

The good news is that this account does not have a monthly Service Charge.

Century Bank- Business Choice Fees
Description
Monthly Fee $8
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
ATM Reimbursement Monthly Limit $0
Bank Teller Fee $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $0
Returned Deposit Fee (International) $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
Paper Statement Fee $5.00
Online Bill Pay Fee $0
Check Copy $0
Check Image Service $0
Check Cashing Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0

Does Century Bank- Business Choice charge overdraft fees?

No, Century Bank- Business Choice does not charge overdraft fees.

What features and perks does Century Bank- Business Choice offer?

This account includes the following features:

  • Fraud monitoring - Century Bank- Business Choice monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Century Bank- Business Choice allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for Century Bank- Business Choice?

The customer support email for Century Bank- Business Choice is floyd.morelos@mycenturybank.com.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Century Bank- Business Choice

No one knows your business better than you do and no one knows Business Banking better than Century Bank. We understand that every business is different. We offer a variety of business checking plans so you can find the perfect fit. Each of our business banking checking plans include: Debit Card, Basic Business Online Banking, Digital images of all paid checks and deposits, Mobile Access & Mobile deposits at no charge. Online banking required. Unlimited support from our Business Experts.

The Business Choice account is designed for businesses with minimal transaction activity each month and low balances.

Availability

  Available in 1 state
New Mexico
Availabile in all of New Mexico

Feature Breakdown

Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $1,000
Minimum Combined Balance to Avoid Monthly Fee $100,001
Minimum Direct Deposit to Avoid Monthly Fee Starting at $100,001
Minimum Balance to Earn APY $0
Monthly Fee $8
(Verified 07/16/2022)
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
ATM Reimbursement Monthly Limit $0
Bank Teller Fee $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $0
Returned Deposit Fee (International) $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
Paper Statement Fee $5.00
Online Bill Pay Fee $0
Check Copy $0
Check Image Service $0
Check Cashing Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Proof of Residence
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing
APY (Annual Percentage Yield) 0.25%

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