Bounty
Worth it?

Central Bank Personal Checking, Refer-A-Friend bonus: is $300 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$299: more than leaving it at 4.15%
With the bonus2433.33%
Leave it where it is4.15%

Yearly rate on $50 while it's there, bonus included.

The math

Compared with leaving $50 at 4.15%

Bonus
+$300
Interest while it's there
No interest assumed
$0
What it'd earn at home
$50 at 4.15% for 3 mo
−$1
Extra
+$299
Works out to 2433.3% a year on that cash, vs 4.15% at home.

Deposit $50 in new money within 1 day · Get $800 in direct deposits (2+ deposits) within 90 days · Keep $50 there until day 90. Terms checked Oct 10, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Deposit $50 in new money within 1 day
  2. 2Get $800 in direct deposits (2+ deposits) within 90 days
  3. 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
Terms checked Oct 10, 2026The bank's offer pageFound via Doctor of Credit

Similar bonuses

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Questions

Is the Central Bank Personal Checking, Refer-A-Friend 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 +$299: the $300 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 $800 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.