Personal Checking
Open an Account Quickly and Easily
All the extras you need...
We make it easy to manage your money on your terms. No matter which option you choose, all Happy checking accounts offer:
Convenient Online & Mobile Banking
Instant Issue Debit Card
Electronic Statements Available
Which account is right for you?
Scroll through our different checking accounts below and open an account today!
Freedom Checking
An account which requires eStatements.
- $100 minimum amount to open
- $5 monthly service charge (waived with eStatements)
- No daily minimum balance requirement
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• eStatements required (if eStatement requirement not met account will include $5.00 monthly service charge)
Star Rate Checking
Use this account type over a savings account to give yourself unlimited transactions while still earning interest.
- $100 minimum deposit to open
- $10 monthly service charge if balance falls below $500 on any day during the statement cycle
- $500 minimum daily balance
- Tiered interest
Club Checking
Want benefits with your account? Join the Club!
- $100 minimum deposit to open
- No minimum daily balance requirement
- $6.95 monthly service charge
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• FREE Notary Service
• Half-Price rental fee for one Safe Deposit Box (safe deposit box content is not insured by the FDIC)
• Instant-Issue Debit Card
• Surcharge-FREE ATMs – Save Receipts, Save Money
Diamond Checking
Account designed for customers age 50 & over.
- $100 minimum deposit to open
- No minimum daily balance requirement
- No monthly service charge
- Earn Interest
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Learn more about our Diamond Travel Club
Opportunity 100 Checking
An account for those who are working to re-establish a strong financial reputation. Eligibility requirements apply.
- $100 minimum deposit to open
- No minimum daily balance requirement
- $9.95 monthly service charge with direct deposit OR $12.95 without direct deposit
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• No Overdraft Privilege available
Simply 100 Checking
A checkless account, designed for customers that prefer a set monthly fee and bank electronically.
- $25 minimum deposit to open
- No minimum daily balance requirement
- $4.95 monthly service charge
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- Electronic withdrawal transaction processing only. No withdrawals may be made by paper check drawn on the account
- Bill Pay not available with this account
- No Overdraft Privilege available
Also available for Teachers and Government employees
VIP Student Checking
- $100 minimum deposit to open
- No minimum daily balance requirement
- No monthly service charge
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- One Annual Overdraft Pass per year (OD Pass refers to only one refund of the OD charge & does not imply the item would be paid. See bank for additional details)
Let us help you plan for today — and tomorrow.
Disclosures
2 Happy State Bank, a division of Centennial Bank, does not charge you a fee for using Mobile Banking. Your wireless carrier’s data and text message rates may apply.
3 See a customer service representative for current rate information, calculation method and to obtain a copy of our Truth in Savings Disclosure.
4 Customer must present receipt to a teller or banker for reimbursement of ATM fees within 60 days of the ATM Transaction.
5 Available at most locations. Must have Happy State Bank checking account to receive debit card. Replacement fees and restrictions may apply. See Bank for details.
6 The bank reserves the right to make the final decision as to whether it will or will not pay any non-sufficient item(s) presented against your account. You will be charged the normal Non-Sufficient Funds/Overdraft handling fee of $35.00 for each presentment of item(s) paid as set forth in our current fees schedule, the same as if we returned your item(s) unpaid. Such fees may also be imposed in connection with transactions that overdraw your account, such as in person withdrawals, preauthorized automatic debits, or other electronic transfers. Fees described above may also be imposed on one time debit card or ATM transactions, should you Opt-In to the Federal Reserve issued Regulation E governing these items. You must also bring your account to a positive balance at least once every thirty-one (31) days to maintain your Overdraft Privilege in good standing. In doing so, your overdraft privilege will be automatically reinstated. Your account will be closed if it remains in an overdraft status for a period of sixty (60) consecutive days; however, the closure of your account does not relieve you of the obligation to pay the overdraft balance.
Happy State Bank, a division of Centennial Bank, online checking accounts can be opened by:
- Internal Transfer from Happy State Bank account – Up to $50,000.00 or product maximum (whichever is lower)
- External Transfer from non-Happy State Bank account – Up to $2,500.00 or product maximum (whichever is lower)
- Credit/Debit Card – Up to $500.00 or product maximum (whichever is lower)
Please note: “Additional Offers” accepted during the online application process will be funded with a single transaction and subject to funding method maximum limits based on the combined minimum funding balance of all selected products.
*Registration/activation required
- Some benefits offered by a third party and require additional contact for initial enrollment. Insurance products not insured by FDIC or any Federal Government Agency. Not a deposit of or guaranteed by the bank or any bank affiliate. May lose value.
- Identity theft insurance underwritten by insurance company subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policy described. Please refer to actual policy for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
- Accidental Death & Dismemberment insurance underwritten by insurance company subsidiaries or affiliates of Plateau Insurance Company. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policy described. Please refer to actual policy for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
- Cellular telephone bill must be paid through this account. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.