Central Bank Personal Checking bonus: is $500 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
Yearly rate on $50 while it's there, bonus included.
The math
Compared with leaving $50 at 4.15%
Deposit $50 in new money within 1 day · Get $5,000 in direct deposits (2+ deposits) within 90 days · Keep $50 there until day 90. Verified on the bank's page Oct 10, 2026.
About this bonus
What it takes
- 1Deposit $50 in new money within 1 day
- 2Get $5,000 in direct deposits (2+ deposits) within 90 days
- 3Keep $50 there until day 90
- Ends
- Dec 31, 2026
- Where
- 5 states: OK, IL, KS, MO, CO
- Monthly fee
- None
- Keep it open
- At least 90 days, or the bonus can be taken back
- Cash stays
- About 90 days
- Bonus paid
- Usually within 21 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Central Bank Personal Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $50 tier adds +$499: the $500 bonus, minus the $1 that cash would have earned in 90 days. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $50 in new money within 1 day; get $5,000 in direct deposits (2+ deposits) within 90 days; keep $50 there until day 90. Open to residents of OK, IL, KS, MO, CO.
When does it end?
The offer ends Dec 31, 2026. The terms were last checked Oct 10, 2026.