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  Century Bank-Business Select

Century Bank-Business Select

in Checking Accounts from Century Bank-NM

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Century Bank-Business Select

Unaffiliated

in Checking Accounts from Century Bank-NM

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $25
APY (Annual Percentage Yield) 0.01%

Century Bank-Business Select Review

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

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.01%.
  • $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 Select 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 Select Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
Century Bank-Business Select 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 Select offer?

Century Bank-Business Select Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

Century Bank-Business Select offers an APY of 0.01% (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 Select?

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

Century Bank-Business Select Minimums
Description
APY Minimum Balance $0.25
Minimum Combined Balance to Avoid Monthly Fee $10
Minimum Direct Deposit to Avoid Monthly Fee $100,001
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $25

What fees does Century Bank-Business Select charge?

This account charges a monthly service fee of $0.

Century Bank-Business Select Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $0
Bank Teller Fee $0
Check Cashing Fee $0
Check Copy $5.00
Check Image Service $0
Debit Card Replacement Fee $12
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $35.00
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $0
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $12
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $12
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $0

Does Century Bank-Business Select charge overdraft fees?

Yes, Century Bank-Business Select charges a $35.00 fee for every overdraft.

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

This account includes the following features:

  • Fraud monitoring - Century Bank-Business Select 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 Select 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 Select

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 Select checking account is designed for businesses that have average transaction volumes and higher average balances.

Availability

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

Feature Breakdown

APY Minimum Balance $0.25
Minimum Combined Balance to Avoid Monthly Fee $10
Minimum Direct Deposit to Avoid Monthly Fee $100,001
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $25
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $0
Bank Teller Fee $0
Check Cashing Fee $0
Check Image Service $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (International) $0
ATM Fee: Out-of-Network $0
Check Copy $5.00
Debit Card Replacement Fee $12
Overdraft Item Fee $35.00
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $12
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $12
Wire Transfer Fee - International (Outgoing) $50
Account Features
  • No ATM Fees
  • Member FDIC
  • Check Writing
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Fraud Monitoring
  • Mobile Banking
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.01%

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