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  Century Bank-Business Checking Analysis

Century Bank-Business Checking Analysis

in Checking Accounts from Century Bank-NM

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Century Bank-Business Checking Analysis

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in Checking Accounts from Century Bank-NM

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Highlights
Monthly Fee $2 - $8
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $10
APY (Annual Percentage Yield) 0.25%%

Century Bank-Business Checking Analysis Review

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

Key Takeaways
  • Higher than average APY. Century Bank-Business Checking Analysis has an annual percentage yield of up to 0.25%%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $0.25%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $8, but the fee is waived if you keep a minimum balance of $10, have a monthly direct deposit of $10, or $10 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 Checking Analysis 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 Checking Analysis Pros & Cons
Pros Cons
  • 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.
  • Not FDIC-insured.
  • Monthly service charge (if minimums are not met).
Century Bank-Business Checking Analysis FAQ

Are checking accounts from Century Bank-NM federally insured?

No, your Century Bank-NM checking accounts are not insured by a federal insurance agency. This means that if Century Bank-NM were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does Century Bank-Business Checking Analysis offer?

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

Century Bank-Business Checking Analysis offers an APY of 0.25%% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $0.25%.

What are the account minimums for Century Bank-Business Checking Analysis?

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

Century Bank-Business Checking Analysis Minimums
Description
APY Minimum Balance $0.25%
Minimum Combined Balance to Avoid Monthly Fee $10
Minimum Direct Deposit to Avoid Monthly Fee $10
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $10

What fees does Century Bank-Business Checking Analysis charge?

This account charges a monthly service fee of up to $8.

Century Bank-Business Checking Analysis Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $0
Bank Teller Fee $0
Check Cashing Fee $0
Check Copy $0
Check Image Service $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $2 - $8
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $5
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) $0.40
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0.35
ATM Fee: Out-of-Network $0

Does Century Bank-Business Checking Analysis charge overdraft fees?

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

What features and perks does Century Bank-Business Checking Analysis offer?

This account includes the following features:

  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Century Bank-Business Checking Analysis 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.
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Message From Century Bank-Business Checking Analysis

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.

The Business Checking Analysis account is designed for businesses with high transaction activity including: large cash deposits, multiple accounts, and multiple business entities. We recommend this account along with Century Bank Treasury Management Services as service fees may be offset using the account analysis process.

Feature Breakdown

APY Minimum Balance $0.25%
Minimum Combined Balance to Avoid Monthly Fee $10
Minimum Direct Deposit to Avoid Monthly Fee $10
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $10
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $0
Bank Teller Fee $0
Check Cashing Fee $0
Check Copy $0
Check Image Service $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $0
Online Bill Pay 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) $0.40
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0.35
ATM Fee: Out-of-Network $0
Monthly Fee $2 - $8
Paper Statement Fee $5
Account Features
  • No ATM Fees
  • Member FDIC
  • Check Writing
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Mobile Banking
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.25%%

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