How much is the overdraft fee for Central National Bank?

Customers of Central National Bank will pay a $29 non-sufficient funds fee if a check or debit is returned because you don't have enough money in your account. The bank offers "Bounce Protection," however, whereby they will approve items that exceed your balance, within certain limits. You must deposit funds to bring your account to a positive balance as soon as possible, and the bank may revoke your bounce protection at any time.

Does Central National Bank use Zelle?

Central National Bank does not use Zelle .

What is Central National Bank's daily withdrawal limit?

At Central National Bank, the daily limit for electronic fund transfers, which includes ATM withdrawals, is $500.

Advertiser Disclosure

Central National Bank Review: Regional Banking With Big Perks

January 2, 2025

8 min Read

Written by Karen Doyle

Edited by Elizabeth Constantineau

Commitment to Our Readers

GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.

20 Years
Helping You Live Richer

Reviewed
by Experts

Trusted by
Millions of Readers

ON THIS PAGE

Central National Bank Checking Accounts
Central National Bank Savings Accounts
Central National Bank CD Accounts
Banking Experience
Comparable Regional Bank Options
Final Take

Special CD rates offered for those with an active checking account.

Central National Bank is a full-service bank with locations in Kansas and Nebraska. It offers business and personal banking services, including deposit accounts, loans and investment services. A wide variety of products makes Central National Bank a good choice for those who want to keep all their accounts at one bank, at every stage of life.

Central National Bank features some innovative products and services like the New Opportunity checking account and the It Makes Cents! debit card round up feature. Online banking and the mobile app include tracking and budgeting features.

These features have earned it recognition as one of the Best Banks of 2025 in Kansas by GOBankingRates.

Central National Bank Checking Accounts

Central National Bank offers three personal checking accounts: Central Premium Checking, Central Value Checking and Central Basic Checking.

Each has an option to waive the monthly fee.
Premium pays interest.
Premium and Value offer identity theft protection, roadside assistance and other features.
Central National Bank also offers New Opportunity Checking, for those who may not historically have had a checking account. It has no minimum balance requirement, free online and mobile banking and a monthly fee of just $7.99 with direct deposit.

Central National Bank Checking Accounts

Start Banking

Best For

Banking in Kansas

Mobile App

Low Monthly Fees

Low Minimum Deposit

Loan Options

Free Online Banking, Mobile Banking, Bill Pay and Debit Cards

Central National Bank offers checking accounts to suit various needs, including options for those with no banking history. Features like fee waivers and identity theft protection make these accounts versatile and customer-friendly.

Fees

$3 to $7 monthly

APY

Up to

Min Opening

$30

Pros

Interest bearing account available
Fees can be waived for some accounts
Account for those with poor or no banking history

Cons

Some accounts have fees that can’t be waived

Quick Take

Central National Bank has a checking account for everyone — those who just need the basics, those who maintain a balance in checking and even those who have no or poor banking history.

Show Pros, Cons and More

Hide Pros, Cons and More

Central National Bank Savings Accounts

Central National Bank has two basic savings accounts, plus specialty accounts for teens and kids and a health savings account.

Choose a Prestige savings account if you have an opening balance of at least $1,000 and make 6 or fewer withdrawals per month.
The Advantage account requires an opening balance of just $25 and a $100 daily balance to waive the monthly fee.
Savers aged 17 or younger can open a Youth Savings account, and kids ages 4 – 12 can open a Secret Agent Savers account with just $5.
A health savings account offers tax advantages when used to pay for healthcare.

Central National Bank Savings Account

Start Banking

Best For

Banking in Kansas

Mobile App

Low Monthly Fees

Low Minimum Deposit

Loan Options

Easily Waive Monthly Fees

Central National Bank provides savings account options for all ages, including specialty accounts for teens and kids. While interest rates are low, features like low minimum deposits and a health savings account add value.

Fees

Transfers or withdrawals beyond six per month

APY

Min Opening

$5 to $100

Pros

Different accounts to choose from
Options for teens and children to build good savings habits

Cons

Interest rates are comparatively low

Quick Take

Central National Bank has enough savings account options to keep just about everyone happy. With interest rates at APY, however, you can find higher rates elsewhere if that’s your top priority.

Show Pros, Cons and More

Hide Pros, Cons and More

Central National Bank CD Accounts

Central National Bank has some promotional CDs with very competitive rates.

The minimum deposit to open an account ranges from $1,000 to $5,000, depending on the type of account.
To get the highest rates, you will need an active checking account.
Rates range depending on term and type.
An additional 0.25% is added to the quoted rates for regular CDs held in IRA accounts.
A rate boost is applied to regular CDs held in IRA accounts.

Central National Bank CD Account

Start Banking

Best For

Banking in Kansas

Mobile App

Low Monthly Fees

Low Minimum Deposit

Loan Options

Rate Boost With Active Checking Account

Central National Bank’s CDs offer competitive rates with terms tailored for various savings goals. Earn even higher returns with IRA options or by maintaining an active checking account.

Fees

Early withdrawal penalty may apply

APY

Up to

Min Opening

$1,000 to $5,000

Pros

Very competitive interest rates for relatively long terms

Cons

You need to visit a branch to open an account

Quick Take

Central National Bank’s CD accounts stand out for their competitive interest rates, especially for those who maintain an active checking account. While the need to visit a branch to open an account may be inconvenient, the potential to earn higher rates, including a rate boost for IRA accounts, makes these CDs a solid option for savers seeking reliable returns.

Show Pros, Cons and More

Hide Pros, Cons and More

Banking Experience

The Central National Bank mobile app is highly rated, earning 4.7 stars on Google Play and 4.7 stars on the App Store.

The app was upgraded in 2021, and it appears there were some issues with stability at that time, so there are a number of negative reviews. More recent reviews are more positive, so the app seems to have been fixed. Many reviews are for the bank in general, and they are consistently positive.

Comparable Regional Bank Options

Here’s how Central National Bank measures up against other regional banks.

Checking

Savings

CDs

Fees

$3 to $7 monthly

No monthly service fees for free checking, Safeguard spending accounts, a $15 monthly waivable service fee with a $10,000 combined deposit balance, a $30 monthly service charge waived with a $100,000 combined deposit account balance or a qualifying INTRUST Wealth account

$0 to $22 monthly

APY

Up to

Min Opening

$30

$0 minimum opening deposit for free checking and Safeguard Spending accounts, $100 minimum opening deposit for Advantage and Elite Checking accounts

$25 to $100

Fees

Transfers or withdrawals beyond six per month

No fees for youth savings accounts, $5 waivable monthly fee for regular savings accounts

$5 a month — can be waived

APY

Min Opening

$5 to $100

$10 for youth savings accounts, $100 for regular savings accounts

Fees

Early withdrawal penalty may apply

Early withdrawal penalties may apply

APY

Up to

Min Opening

$1,000 to $5,000

$500

$1,000 to $5,000

Central National Bank vs. Astra Bank

Astra Bank is a smaller regional bank with fewer branches than Central National Bank, operating in Kansas and Nebraska. It offers similar services but stands out with two interest-bearing checking account options.

Central National Bank vs. Bank Midwest

Bank Midwest has locations in Kansas and Missouri. It has more streamlined offerings, with a single checking account and two savings accounts. It offers online banking and a mobile app, but you must visit a branch to open an account.

Central National Bank vs. Core Bank

Core Bank has just a few locations in Nebraska, Kansas and Arizona, but some locations specialize in business banking only. Personal products include two checking account options, and savings accounts, including an HSA. CDs are not offered.

Final Take

Central National Bank is a good community bank for those who want to do all their banking in one place and support their local community. Central National offers all of the products and services most people need. Savings interest rates are relatively low, but CDs are competitive.

Central National Bank FAQ

Here are the answers to some of the most frequently asked questions about Central National Bank.

How much is the overdraft fee for Central National Bank?
- Customers of Central National Bank will pay a $29 non-sufficient funds fee if a check or debit is returned because you don't have enough money in your account.
- The bank offers "Bounce Protection," however, whereby they will approve items that exceed your balance, within certain limits. You must deposit funds to bring your account to a positive balance as soon as possible, and the bank may revoke your bounce protection at any time.
Does Central National Bank use Zelle?
- Central National Bank does not use Zelle.
What is Central National Bank's daily withdrawal limit?
- At Central National Bank, the daily limit for electronic fund transfers, which includes ATM withdrawals, is $500.

To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 4, 2024.

To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 4, 2024.