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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.



Learn to manage money and prepare for the cost of higher education

You may still rely on financial help from your parents or other family members, but it’s not too early to start cultivating sound money-management habits. Many financially sound adults accomplished their goals through careful financial planning that began when they were students.

How can you start on the path to sound money management?

1. Become a “Star Saver” – Learning to save money in your teens and college years is an excellent habit that will train you be a good money manager for the rest of your life. Set goals for your money and start saving NOW. If you have no immediate goals, your goal can be to have a “money cushion” for when that important need for cash occurs.
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2. Start a Checking Account – A checking account provides a means to learn how to responsibly handle cash, make smart financial decisions and keep track of your spending records. Whether you use a debit card or paper checks, your checking account can help you manage your budget, including paying your bills on time and balancing your checkbook. With these good habits, you can start building a good credit reputation NOW.
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Complimentary Checking – A checking account just for you. No monthly fee, no minimum balance required, ATM/Debit Card, online banking and more. $100 minimum to open this account.

3. Plan in Advance for College – It’s never too early for pre-college students and their families to identify and earmark the financial resources they have available to fund a college education—whether from savings, loans, grants, scholarships or work income.
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Here are some sources to help you and your parents plan how you will finance a higher education:

  • College Savings Plans – Central Bank offers several options to help you fund the cost of a higher
    education. It’s OK to start small, but start now with a college savings plan that both you and your
    parents can contribute to:

    US Government EE Savings Bonds – EE Bonds are reliable, low-risk government-backed savings products that you can use toward financing education and other special events. These are available through Central Bank. These are purchased at half of face value and can earn interested for up to 30 years.

    US Government I Savings Bonds – I Bonds are also low-risk government-backed products that you can use to help finance your education. These are available through Central Bank. The customer pays face value for these and can earn interest for up to 20 years.

    Parents may purchase bonds in their name and use those bonds for their children’s education. The perk; parents won’t have to pay tax when those bonds are cashed in if they can show the money was used for college expenses!
  • Federal Financial Aid for Higher Education (FAFSA) – All college applicants and their parents or
    guardians should become familiar with the most recent FAFSA guidelines and deadlines which can
    be found at Applications for federal student aid may also be available
    from your high school counselors, public library or college financial aid office.

When you are 18, you may open a savings account on your own at any bank location. Younger students may open checking accounts with the co-signature of a parent, and you need to do this together inside the bank.


  • Set a savings goal and keep track of your progress.
  • If you have a job, don’t spend everything you make.
  • Record ALL your transactions daily for your checking and savings accounts, whether they are made with debit or credit cards or paper checks and deposit slips.
  • Know your account details such as overdraft charges, interest rates, withdrawal restrictions, minimum balances, etc.

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