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  Century Bank-Gold

Century Bank-Gold

in Checking Accounts from Century Bank of Massachusetts · Member fdic

Unaffiliated

Century Bank-Gold

Unaffiliated

in Checking Accounts from Century Bank of Massachusetts · Member FDIC

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

Century Bank-Gold Review

Century Bank-Gold is offered by Century Bank of Massachusetts, a bank founded in 1969 and based in Somerville, MA. Century Bank-Gold is available in 1 state across the USA.

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 10%, which is much higher than the average for a checking account.However, you must keep a minimum balance of $0.25%.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • No ATM fees. Century Bank-Gold does not charge fees on ATM transactions.
  • Up to $0 in ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
  • Free bill pay. Pay your bills to practically anyone in the United States through Century Bank of Massachusetts.
  • Hard credit pull. Century Bank of Massachusetts may require a hard pull on your credit report to open a checking account.
Century Bank-Gold Pros & Cons
Pros Cons
  • High-interest yield.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic wire transfers.
  • No signup bonus.
  • Only available in one state.
Century Bank-Gold FAQ

Are checking accounts from Century Bank of Massachusetts federally insured?

Yes, your Century Bank of Massachusetts checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #19943). 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-Gold offer?

Century Bank-Gold Rates & Terms
Description
APY (Annual Percentage Yield) 10%

Century Bank-Gold offers an APY of 10% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only checking accounts, which is around 1% APY. However, to earn interest you must keep a minimum balance of $0.25%.

What are the account minimums for Century Bank-Gold?

Century Bank-Gold does not require a minimum initial deposit.

Century Bank-Gold Account Minimums
Description Amount
Minimum Initial Deposit $$100.00
APY Minimum Balance $0.25

What fees does Century Bank-Gold charge?

The good news is that this account does not have a monthly service charge.

Century Bank-Gold Fees
Description
Monthly Fee $0
Paper Statement Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
NSF Fee $0
Overdraft Protection Fee (per transfer) $0
Overdraft Item Fee $0
Early Account Closure $0
Returned Deposit Fee (Domestic) $7.50
Debit Card Replacement Fee $0
Bank Teller Fee $0
Check Cashing Fee $0
Online Bill Pay Fee $0
Stop Payment Fee $28
Check Image Service $0
Check Copy $6
Foreign Transaction Fee (Debit Card) 0%
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Outgoing) $30
Wire Transfer Fee - International (Incoming) $35
Returned Deposit Fee (International) $0
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit $0

What features and perks does Century Bank-Gold offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks up to a monthly maximum of $0.
  • Fraud monitoring - Century Bank-Gold monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Century Bank-Gold allows you to manage your money online. This includes depositing checks in your account with your smartphone.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Availability

  Available in 1 state
Maine
Availabile in all of Maine

Feature Breakdown

APY Minimum Balance $0.25%
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Initial Deposit $0.00
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $0
Bank Teller Fee $0
Check Cashing Fee $0
Check Image Service $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Returned Deposit Fee (International) $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
ATM Fee: Out-of-Network $0
Check Copy $6
Returned Deposit Fee (Domestic) $7.50
Stop Payment Fee $28
Wire Transfer Fee - International (Incoming) $35
Wire Transfer Fee - International (Outgoing) $30
Bank Account Features
  • No ATM Fees
  • FDIC Member
  • Check Writing
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Fraud Monitoring
  • Mobile Banking
  • ATM Reimbursement
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
APY (Annual Percentage Yield) 10%

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