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If there’s one thing we can be sure of in life, it’s change—and change that will undoubtedly affect your financial status. Over time, our lives evolve into different stages with varying levels of monetary demand and often with unexpected twists and turns that can derail the best of financial intentions. Alternatively, events may occur that enhance our financial position, and these need to be handled with knowledge and care, making the most of our long-term worth.

Central Bank understands the special considerations that need to be addressed throughout the different stages of our lives. Wherever you are on life’s journey— preparing for college, starting a career, raising a family or planning for retirement— we have the experience, personnel and products to guide you towards the attainment of your financial dreams and goals.

To take advantage of our specific products and programs, click below on the stage that’s right for you, and see how we can help you strengthen your financial position.



Transform your financial habits to prepare for the future

Your 50s are a good time to take stock of the asset allocation of your portfolio and evaluate your position relative to your retirement plans. For an accurate estimate, consider at what age you would like to retire and the lifestyle you plan to have… will you travel, have a vacation home, take up an expensive hobby? Project a budget, keeping in mind that some costs, such as health insurance, may increase and others, like your mortgage payment, may disappear. Once you have estimated your living expenses, then estimate how much your assets will be worth at retirement, and how long they are likely to last. You can do this with Central Bank’s retirement calculator. Also estimate your Social Security income. With all this information at hand, you may want to increase your retirement contributions.

As you enter your 60s, fine-tune your projections and your asset allocations. If you retire before age 65, be sure you have medical insurance to cover you until you are eligible for Medicare.

Central Bank can help you in your pre-retirement lifestage to re-allocate your assets, increase IRA contributions or distributions. Please contact our financial advisor, Marcus Anderson, for more information.

1. Take advantage of our interest-bearing checking account for our customers 50 years old and above. – Golden Now and Money Market Accounts.
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Golden NOW Account (for those age 50 and above) - Interest bearing checking account with minimum to open $1000 ($5 monthly fee includes all the services of our *Performance Checking). $12.50 monthly service charge if balance falls below $1000.

Priority Money Market – Interest bearing LIMITED checking account with minimum to open $5,000. Limited to six withdrawals per month in the form of checks and/or cash withdrawals (no more than 15 per quarter). For complete rules, please call a customer service representative.

2. Conserve time, money and paper with Central Bank’s convenient checking accounts with online banking and bill pay and no-charge ATM services – You’ll reduce the time it takes to pay your bills and save on the expense of printed paper checks and postage while helping the environment as well.
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At Central Bank we are pleased to offer our checking account customers a special overdraft privilege called “Bounce Protection” (a $400 safety net just in case you need it).  As always, we encourage you to manage your finances responsibly.  However, as long as you maintain your checking account in good standing, Bounce Protection provides you with a safety net (a $22 per item overdraft fee applies).  See Overdraft Protection for details.
3. Seniors can also take advantage of our no fee Complimentary Checking account for those who wish to maintain a lower checking account balance. – Complimentary and our Beyond Checking available.
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Central Bank Offers:

Complimentary Checking –No monthly fee, no minimum balance required, free ATM/Debit Card, online banking and more.  $100 minimum to open this account.

Beyond Checking – For $5 per month for seniors, you get unlimited checks, a $10,000 Life Insurance plan, $25,000 IDENTITY THEFT insurance, as well as access to outstanding travel, vacation, medical, and shopping deals.

4. Rent a Safe Deposit Box – This a convenient place to store important items that would be difficult or impossible to replace.
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Central Bank’s safe deposit boxes offer privacy and in most cases, greater security than keeping your valuables and important documents elsewhere. Additionally, some insurance companies charge lower insurance premiums on valuables kept in a bank's safe deposit box instead of at home. Come by and see one of our Customer Service Representatives for help and details.
5. Catch up on your IRA or other retirement plan – After age 50, you are qualified to boost your plans with “catch-up” contributions.
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Contact our financial advisor, Marcus Anderson for more details.
6. Establish an estate plan and/or trust – Central Bank’s trust services can help you plan for the special needs of your children, aging parents or the responsibilities of higher education and more.
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Our trust professionals can help you in the areas of trust administration and estate planning to grow your
assets, save on taxes and protect and manage your property. Contact our financial advisor, Marcus Anderson for more details.


  • Become aware of opportunities to reduce your lifestyle costs, e.g., downsizing vehicles or your home may provide convenience while lowering the costs and time of maintenance.
  • Determine your financial priorities, make a list with deadlines and start accomplishing them.
  • Start the decision-making process about where you want to live during retirement and figure all the associated costs.
  • Spend time doing what you plan to do at retirement to help yourself determine if you’re ready.

For help determining the best accounts and products for sound and productive money management during your Pre-Retirement Lifestage, please contact us at 731-925-9046 or