Find an updated list of Central Bank promotions, bonuses, and offers here.
Update 9/11/24: For St. Louis market residents, Central Bank is offering a $800 checking bonus valid through 12/31/24. The $500 business checking bonus has been extended through 11/30/24. The $300 personal checking bonus is good through 12/31/24.
About Central Bank Promotions
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.
I’ll review the current offers below.
Central Bank $800 Checking Bonus
- What you’ll get: $800 bonus
- Account Type: Checking Account
- Availability: St. Louis market
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: Up to $1,000 with a credit card. Mastercard & Visa accepted
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: One
(Expires 12/31/2024)
| BMO Smart Money Checking ($300 cash bonus) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | Fifth Third Bank Preferred Checking ($300 bonus) |
| HSBC Premier Checking (Up to $2,500 Cash Bonus), | |
How to Earn Bonus
EARN BONUSFINE PRINT
- 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
- 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 12/31/2024.
Central Bank $300 Checking Bonus
Central Bank is offering a $300 checking bonus with a new eligible Checking Account.
- What you’ll get: $300 bonus
- Account Type: Checking Account
- Availability: CO, IL, KS, MO, OK
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: Up to $1,000 with a credit card. Mastercard & Visa accepted
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: One
(Expires 12/31/2024)
| BMO Smart Money Checking ($300 cash bonus) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | Fifth Third Bank Preferred Checking ($300 bonus) |
| HSBC Premier Checking (Up to $2,500 Cash Bonus), | |
How to Earn Bonus
EARN BONUSFINE PRINT
- To receive the $300 checking bonus, open a new eligible personal checking account using offer code RAF300.
- 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 with a cumulative total of $250 within 90 days of account opening.
- To receive the $300 checking bonus, open a new eligible personal checking account.
- 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 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.
- Promotion ends 12/31/2024.
Central Bank $500 Business Checking Bonus
Central Bank is offering a $500 checking bonus with a new eligible business checking account.
- What you’ll get: $500 bonus
- Account Type: Business Checking Account
- Availability: CO, IL, KS, MO, OK
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: Up to $1,000 with a credit card. Mastercard & Visa accepted
- Monthly Fees: Varies
- Early Account Termination Fee: Unknown
- Household Limit: One
(Expires 11/30/2024)
| Chase Business Checking ($300 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| U.S. Bank Business Checking ( $400 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) | Live Oak Bank Business Savings ($200 Bonus) |
| Axos Business Premium Savings ($375 Bonus) | Bluevine Business Checking ($300 Bonus) |
How to Earn Bonus
EARN BONUSFINE PRINT
- To receive the $500 checking bonus:
- Open a new business checking account using offer code 500BB9
- 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.
- 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 10 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 Bonus
Central Bank $50 Referral Bonus
Central Bank is offering a $50 Referral Bonus when you introduce your friends and family.
- What you’ll get: $50 bonus
- Account Type: Checking
- Availability: CO, IL, KS, MO, OK
- Direct Deposit Requirement: Yes, two or more direct deposits
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: Up to $1,000 with a credit card. Mastercard & Visa accepted
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: One
(Limited time offer)
| BMO Smart Money Checking ($300 cash bonus) | BMO Smart Advantage Checking ($300 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| Fifth Third Bank Momentum® Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | Truist Checking ($400 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- For every friend who opens a checking account, you will get $50 (up to $5000 per calendar year).
- 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 $400 Checking & Savings Bonus (Expired)
Central Bank is offering up to $400 checking bonus with a new eligible Checking and Savings Account.
- What you’ll get: $400 bonus
- Account Type: Checking and SaveUp Savings Account
- Availability: CO, IL, KS, MO, OK (Bank Locator)
- Direct Deposit Requirement: Yes, two or more direct deposits (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: Up to $1,000 with a credit card. Mastercard & Visa accepted
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: One
(Expires 07/31/2023)
| BMO Smart Money Checking ($300 cash bonus) | BMO Smart Advantage Checking ($300 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| Fifth Third Bank Momentum® Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | Truist Checking ($400 bonus) |
How to Earn Bonus
EARN BONUSFINE PRINT
- 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.
- 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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Bottom Line
These are all the current Central Bank offers. These promotions trigger a soft pull so it won’t affect your credit score. If you are interested in the referral bonus, leave your contact information below so you can take advantage of that!
CDs and Savings accounts are a great way to save money. Check out our full list of some of the best Bank Rates and CD Rates nationwide.
Compare Central Bank Promotions with other bank bonuses from banks like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO Harris, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!
*Check back for updated Central Bank promotions, bonuses and offers.
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What are the last 4 digits of your phone number and full name so o can give y’all the referral credit for me opening an account at Central Bank in MO
Hello. This is Andrew holz I bank with you over in boonville mo. I was promised $300 for being referred after 90 days with a continuous source of income being direct deposited into my account. Well it’s been over 90 days and I have yet to receive the money. I have no tolerance with fake and have no problem at all shutting down my account and switch to cash app direct deposit.
If I closed a Central Bank account about 13 months ago, would I qualify for this promotion?
These bank promotions seem like a good way for banks to grow their account numbers. I wonder if they are keeping track of the success of the promotion.?
Thank you for letting us know, Mark! We have updated our post accordingly.
This is INCORRECT. I’m in Missouri and got the flyer. The account type referenced above is incorrect. The targeted flyer is for MaxMoney, not MyChoice Checking. MaxMoney has a monthly NON-AVOIDABLE $8.95 fee.
MyChoice Checking has a $3 Avoidable Fee but this bonus free-money deal is NOT for MyChoice.
Sorry folks!
I did this as well, Alexis. It took a few visits to my local branch to the second bonus for the savings account. Did you receive them both? Since their savings interest rate is truly God awful, I’m thinking of pulling the funds back to my Discover Bank savings account. I have long since trashed the mailer, but do you recall if the offer is subject to any additional requirements other than the 3 months of maintaining the $10,000 savings balance?
I just got targeted for a $250 bonus from this bank with the same stipulations, open checking, establish DD, and SaveUp Savings. Says it ends 12/18.
It was such an easy process. A branch is 1.3 miles away from my home.
10/13/2017 – OPENED checking and savings account one after another online and funded using Citi simplicity 1000$ each . (Citi simplicity was going to credit me 25$ after i spend 2500$ so this was perfect)
10/16/2017 -The deposits posted as initial CC funding and posted as purchase on my Simplicity statement.
10/17/2017 – paid the bills using the deposits , left 5$ in checking and 50$ in savings(to avoid any fee)
10/19/2017 – Bonus of 125$ ( I live MO) posted as Consumer rewards program.
Very happy with this entire process , This is my second bonus after BOA. i am still waiting for Pinnacle, BMO, US bank, Andigo and Bank of the west , Regions bonuses to post. perhaps during Christmas time. 🙂
I opened a checking and savings account 90 days ago, and had not received the bonus, so I SM’d them. They said this was a targeted bonus, & you had to receive an email or letter to be eligible.
Just opened the account. EZ. Wait ‘n see for the bonus.