Take advantage of the current Central Bank bonuses promotions and offers here.
Update 1/17/25: The $300 personal checking bonus has been extended through 12/31/25 and the $500 business checking bonus is still available through 1/31/25.
Central Bank Bonuses Review
Central Bank is 8th largest bank in the state of Missouri. It was established in 1902 and has grown to 15 locations throughout Missouri and Oklahoma. Even though Central Bank is a relatively small size bank they have an A health rating. If you don’t live in the above states, you can check out more bank bonuses that are available in multiple states for more suitable offers.
I’ll review the current bonuses below.
Central Bank $300 Checking Bonus
Open an eligible checking account at Central Bank to earn a $300 bonus once you meet the requirements.
- What you’ll get: $300 Bonus
- Eligible account: Checking
- Availability: OK, MO
- Credit Inquiry: Soft Pull
- Direct Deposit Required: Yes
- Monthly Fee: $3-$20; waivable
- How to earn it:
- To receive the $300 checking bonus, open and maintain any personal checking account except Free Checking using offer code RAF300. Free Checking is not an eligible checking account.
- Deposit $50 or more at account opening; and have at least two or more direct deposits with a cumulative total of $250 within 90 days of account opening.
- Bonuses will be deposited into the checking account within 15 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days.
(Offer expires 12/31/2025)
Chase Total Checking ($300 Bonus) | KeyBank Checking ($300 bonus) |
Bank of America Checking ($300 Bonus Offer) | Truist Checking ($400 bonus) |
SoFi Checking & Savings Account ($325 bonus) |
Fine Print
- To receive the $300 checking bonus, open and maintain any personal checking account except Free Checking. Free Checking is not an eligible checking account.
- Deposit $50 or more at account opening; and have at least two or more direct deposits with a cumulative total of $250 within 90 days of account opening.
- No minimum balance required for Bonus.
- Qualifying types of Direct Deposits include any direct deposit from Payroll, Pension or Government Benefit.
- Bonuses are reported to the IRS as interest.
- Bonuses will be deposited into the checking account within 15 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days.
- Available to new checking account customers only.
- Offer is not available to those whose accounts have been closed with a negative balance within the last 2 years.
- You will receive only one new checking account opening related bonus every two years from the last date incentive was paid.
- Only one bonus per household.
- Customer must bring in mailer or use offer code to receive incentive.
- Offer may only be redeemed by the intended recipient and is nontransferable.
- Eligibility for this offer will be verified prior to providing the bonus.
- The new checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus.
- We reserve the right to not open accounts for customers outside our market area.
- Please contact us for further details.
- Checking account promotion ends 12/31/2025.
Central Bank $500 Business Checking Bonus
Open an eligible business checking account at Central Bank to earn a $500 bonus once you meet the requirements.
- What you’ll get: $500 Bonus
- Eligible account: Business Checking
- Availability: OK, MO
- Credit Inquiry: Soft Pull
- Direct Deposit Required: No
- Monthly Fee: Varies
- How to earn it:
- To receive the $500 checking bonus:
- Open a new business checking account using offer code 500BB10
- Deposit $50 or more at account opening, and
- Have at least a $3,000 balance 90 days from the date of account opening.
- Bonus will be deposited into the business checking account within 10 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days.
(Offer expires 01/31/2025)
Chase Business Checking ($300 or $500 Bonus) | U.S. Bank Business Checking ( $500 or $900 Bonus) |
Axos Bank Basic Business Checking ($400 Bonus) | Axos Bank Business Interest Checking ($400 Bonus) |
Huntington Unlimited Plus Business Checking ($1,000 Bonus) | Huntington Unlimited Business Checking ($400 Bonus) |
Bluevine Business Checking ($300 Bonus) | Bank of America Business Checking ($200 bonus offer) |
Axos Business Premium Savings ($375 Bonus) |
Fine Print
- To receive the $500 checking bonus, open a new business checking account, deposit $50 or more at account opening, and have at least a $3,000 balance 90 days from the date of account opening.
- Eligibility for this offer will be verified prior to providing the bonus.
- Bonus will be reported to the IRS as interest.
- Bonus will be deposited into the business checking account within 15 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days.
- If checking account is closed within first 90 days a fee may be imposed.
- Available to new business checking customers only.
- Offer is not available to those whose accounts have been closed with a negative balance within the last 2 years.
- You receive only one new checking account opening related bonus every two years from the last date incentive was paid. Only one bonus per business.
- The new checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus.
- Customer must bring in mailer or use offer code to receive incentive.
- Offer may only be redeemed by the intended recipient and is nontransferable.
Central Bank $50 Referral Bonuses
Get $50 bonus when you refer someone to open any eligible checking account and completing the requirements.
- What you’ll get: $50 Bonus
- Eligible account: Checking
- Availability: OK, MO
- Credit Inquiry: Soft Pull
- Direct Deposit Required: Yes
- Monthly Fee: $3-$20; waivable
- How to earn it:
- For every friend who opens a checking account, you will get $50 (up to $5000 per calendar year).
(Limited time offer)
Chase Private Client ($3,000 Bonus) | Fifth Third Preferred Checking ($300 Bonus) |
KeyBank Checking ($300 bonus) |
Fine Print
- Customers are eligible to receive $50 for every new to bank household referred.
- $50 will be deposited into a deposit account within ten business days after the new to bank household checking account is funded.
- Customers can earn up to $500 a calendar year in Refer-A-Friend incentives.
- Reproduction, purchase, sale, transfer, or trade of this offer is prohibited.
- This is intended for use by friends and family of the original recipient.
- Publication of this offer on 3rd party sites is prohibited entirely.
- Any and all referrals after prohibited publication may not be honored for either party.
Central Bank $800 Checking Bonus (Expired)
- What you’ll get: $800 Bonus
- Eligible account: Checking
- Availability: St. Louis market
- Credit Inquiry: Soft Pull
- Direct Deposit Required: Yes
- Monthly Fee: $3-$20; waivable
- How to earn it:
- Open any eligible checking account, and
- Have two or more direct deposits within the first 90 days totaling:
- $250 to $4,999.99 to earn $300
- $5,000 or more to earn $800
- Promo Code: JOIN
(Offer expires 01/06/2025)
Chase Private Client ($3,000 Bonus) | Fifth Third Preferred Checking ($300 Bonus) |
KeyBank Checking ($300 bonus) |
Fine Print
- To receive a bonus, you must: (1) open and maintain any personal checking account except Free Checking. Free Checking is not an eligible checking account. (2) Deposit $50 or more at account opening, and (3) have at least two or more direct deposits within 90 days after account opening that total; $250 to $4,999.99 to earn the $300 bonus or $5,000 or more to earn the $800 bonus.
- No minimum balance required for Bonus.
- Qualifying types of Direct Deposits include any direct deposit from Payroll, Pension or Government Benefit.
- Bonuses are reported to the IRS as interest.
- Bonuses will be deposited into the checking account within 15 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days.
- This offer is only available in the St. Louis market.
- Available to new checking account customers only.
- Offer is not available to those whose accounts have been closed with a negative balance within the last 2 years.
- You will receive only one new checking account opening related bonus every two years from the last date incentive was paid.
- Only one bonus per household. Customer must bring in mailer or use offer code to receive incentive.
- Offer may only be redeemed by the intended recipient and is nontransferable.
- Eligibility for this offer will be verified prior to providing the bonus.
- The new checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus.
- We reserve the right to not open accounts for customers outside our market area.
- Please contact us for further details.
- Promotion ends 1/6/2025.
Central Bank $400 Checking & Savings Bonus (Expired)
Open an eligible checking & savings account at Central Bank to earn a $400 bonus once you meet the requirements.
- What you’ll get: $400 Bonus
- Eligible account: Checking
- Availability: OK, MO (Bank Locator)
- Credit Inquiry: Soft Pull
- Direct Deposit Required:
- Monthly Fee: $3-$20; waivable
- How to earn it:
- To receive the $300 checking bonus open a new eligible personal checking account using promo code Roots400
- Eligible accounts include MyChoice Checking, MaxMoney® Checking, Free Checking, Preferred Interest Checking, and World Checking.
- Deposit $50 or more at account opening; and have at least two or more direct deposits within 90 days of account opening.
- To receive the $100 savings bonus:
- Open a new SaveUp Savings account at the same time as your eligible Checking account;
- Deposit $50 or more at account opening; AND
- Have at least a $500 balance 90 days from the date of account opening.
- To receive the $300 checking bonus open a new eligible personal checking account using promo code Roots400
(Expires 07/31/2023)
Chase Total Checking ($300 Bonus) | KeyBank Checking ($300 bonus) |
Bank of America Checking ($300 Bonus Offer) | Truist Checking ($400 bonus) |
SoFi Checking & Savings Account ($325 bonus) |
Fine Print
- No minimum balance required for Bonus. The new checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus.
- Qualifying types of Direct Deposits include Payroll, Pension or Government Benefit.
- Bonuses are reported to the IRS as interest.
- Bonuses will be deposited into the checking account within 15 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days.
- Available to new checking account customers only.
- Customer must bring in mailer or use offer code to receive incentive.
- Offer may only be redeemed by the intended recipient and is nontransferable.
- Eligibility for this offer will be verified prior to providing the bonus.
- One offer per household.
- We reserve the right to not open accounts for customers outside our market area.
- Please contact us for further details.
- Promotion ends 07/31/2023.
How to Avoid Monthly Fees
- MyChoice Checking: $3 monthly fee waived with electronic statements and one of the following:
- Maintain a recurring direct deposit; or,
- Use your debit card at least 10 times for a point of sale transaction; or,
- Keep an average daily balance of at least $500; or,
- Set up a monthly recurring transfer from MyChoice Checking to SaveUp℠ Savings
- MaxMoney Checking: $8.95 monthly fee
- Preferred Interest Checking: $10 monthly fee waived with:
- A daily balance of $1,000; or,
- Average daily balance of $2,000 during a monthly statement cycle
- World Checking: $20 monthly fee waived with:
- $15,000 average balance; or;
- $250,000 relationship banking; or
- $250,000 Central Investment Advisors or a Central Trust Company client.
- Small Business Checking Account: Not listed
- Business Checking Plus: Minimum average collected balance of $10,000 to avoid monthly maintenance fee
- Commercial Checking: Allows you to offset monthly fees with an earnings credit on balances kept in your account.
- Commercial – Seasonal Account: Fees are waived if the average collected balance is $1,000 or greater and the account has 200 or less transactions for the month.
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Conclusion
Are you interested in making free money? How about being able to take advantage of all the great features to better your banking experience? If you answered yes to the questions above, then the current promotion from Central Bank is a fantastic option for you!
While these bank promotions are rather attractive, you can also take advantage of our list of Savings, Money Market, and CD rates.
However, if you do not live in qualified states, definitely take a look at our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.
*If you have experience with Central Bank Bonuses, feel free to leave a comment below informing our readers about the pros and cons!