Personal Banking Services

At Centre 1st, we’re interested in seeing our community members make smart financial decisions. We’re committed to helping you reach your personal financial goals and are here for you to answer your questions. Contact us to talk about your personal banking needs.

 

 

Products

  • 1st Interest Checking
    • Above market checking account rate
    • 5 waived non-ODNB ATM surcharges per monthly statement cycle/$2 fee each thereafter
    • Convenient 24/7 account access via free online and mobile banking
    • Mobile Deposit
    • Person to Person payment solutions, including Apple Pay, Google Pay and Samsung Pay
    • Interest accrues daily and is credited in accordance with the product statement cycle

     

    Account Conditions:

    • $100 minimum opening deposit
    • At least one direct deposit into the account per statement cycle
    • A minimum of 10 non-pin based debit card transactions per statement cycle

    *please reference our most recent rate sheet for more information

  • Premier Checking
    • $100 minimum to open
    • $10 monthly service charge, if minimum daily balance falls below $500**
    • Free –first order printed checks
    • Free online banking with BillPay
    • Free debit card
    • Non-ODNB ATM withdrawals: 5 free per monthly statement cycle;  $2 fee each thereafter
    • Unlimited teller transactions
    • Unlimited check writing
    • Tiered interest: interest accrues daily and is credited in accordance with the product statement cycle

    *please reference our most recent rate sheet for more information

    **fees may reduce earnings

  • First Choice Checking
    • $100 minimum to open
    • No monthly service charge
    • Free first order printed checks
    • Free online banking with BillPay
    • Free debit card
    • Non-ODNB ATM withdrawals: 5 free per monthly statement cycle;  $2 fee each thereafter
    • Unlimited teller transactions
    • Unlimited check writing
    • Non-interest bearing
  • Gold Checking
    • Age 50 or better
    • $100 minimum to open
    • No monthly service charge
    • Free first order of printed checks
    • Online banking with BillPay
    • Free debit card, cashier's checks and notart service
    • $15 annual credit towards safety deposit box, if available
    • Non-ODNB ATM withdrawals: 5 free per monthly statement cycle;  $2 fee each thereafter
    • Unlimited teller transactions
    • Unlimited check writing
    • Non-interest bearing
  • PA Premier Money Market
    • Minimum to open: $10,000
    • Monthly Service Fee: $10 if balance falls below $10,000**
    • Check-writing capability
    • 6 withdrawals or transfers per month with no fee
    • $3 fee for each excess withdrawal or transfer over the allowable 6 per monthly statement cycle**
    • Online and Mobile banking access available
    • Interest accrues daily and is credited in accordance with product statement cycle*
    • Also available as an IRA

    *please reference our most recent rate sheet for more information

    **fees may reduce earnings

  • First Choice Money Market
    • $1,000 minimum to open
    • Monthly service charge of $10 if minimum daily balance falls below $1,000
    • Free –printed checks
    • Free debit card
    • 6 withdrawals or transfers. per month with no fee
    • $10 fee for each excess withdrawal or transfer over the allowable 6 per monthly statement cycle**
    • Tiered interest -interest accrues daily and is credited quarterly
    • Available as a Roth or Traditional Individual Retirement Account

    *please reference our most recent rate sheet for more information

    **fees may reduce earnings

  • First Choice Savings
    • $100 minimum to open
    • $5 monthly service charge if minimum daily balance falls below $100**
    • 6 withdrawals or transfers – per month with no fee
    • $3 fee for each excess withdrawal or transfer over the allowable 6 per monthly statement cycle**
    • Interest accrues daily and is credited in accordance with product statement cycle
    • Available as a Roth or Traditional Individual Retirement Account

    *please reference our most recent rate sheet for more information

    **fees may reduce earnings

  • Youth Savings
    • $10 minimum to open
    • No monthly service charge for youth – age 18 years and younger
    • 6 withdrawals or transfers –  per month with no fee
    • $3 fee for each excess withdrawal or transfer over the allowable 6 per monthly statement cycle**
    • Unlimited deposits
    • Interest accrues daily and is credited in accordance with the product statement cycle

    *please reference our most recent rate sheet for more information

    **fees may reduce earnings

  • Certificate of Deposit
    • CD's range in terms from 3 Months to 60 Months
    • $500 minimum to open
    • Interest accrues daily and is credited quarterly
    • If any portion of the certificate is withdrawn before maturity date, a penalty may be imposed.**
    • Interest begins to accrue on the business day a deposit is made. Fees may reduce earnings.
    • Available as a Roth or Traditional Individual Retirement Account
    • Federal and state penalties may apply to amounts withdrawn from IRAs when made prior to age 59 ½. Please consider speaking to a tax professional before making withdrawals from your IRA.

    *please reference our most recent rate sheet for more information

    **fees may reduce earnings

     

  • Consumer Services
    • Online banking & bill payment
    • Person to person (P2P) payment technology
    • Mobile capture & mobile banking*
    • Mobile Wallet (SamsungPay, GooglePay, ApplePay)
    • Text Banking
    • Debit/ATM card*
    • Allpoint ATM Network offering surcharge-free access to more than 55,000 ATMs worldwide

    *service offered with certain products and consumers must meet minimum qualifications to obtain

  • Insured Cash Sweep (ICS)

    Centre 1st Bank, the Pennsylvania division of Old Dominion National Bank, has partnered with Promontory to bring you two exciting products that allow you to deposit funds with confidence. With ICS (Insured Cash Sweep) you can earn interest and access multi-million dollar FDIC Insurance coverage. ICS allows you access to your funds daily, allowing you to enjoy liquidity in your transaction account with ODNB. We also offer CDARS, allowing access to FDIC insurance while enjoying the benefits of a high dollar certificate of deposits. Ask your Banker for more information.

    Learn More

  • Certificate of Deposit Registry Service (CDARS)

    CDARS (Certificate of Deposit Registry Service)* allows access to FDIC insurance while enjoying the benefits of high dollar certificate of deposits. CDARS can be a valuable investment tool for depositors seeking the peace of mind that accompanies FDIC Insurance, but the convenience of working with your local community bank.

    * Funds may be submitted for placement only after a depositor enters into a CDARS® Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC