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Personal Checking

Open an Account Quickly and Easily

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Choose The Right Checking Account For You
Are you 50 years of age or older?

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
Open Account Online
  • •  Surcharge-FREE ATMs – Save receipts – Save money

    •  Convenient Online, Mobile App., Telephone and Text Banking

    •  Internet Bill Pay

    •  Instant Issue Debit Card

    •  Coin Machine Transactions (where available)

    •  Mobile Payment Options

    •  Mobile Check Deposit from a smartphone or tablet (deposit a check by taking its photo)

    • eStatements available

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
Open Account Online
  • •  Surcharge-FREE ATMs – Save receipts – Save money

    •  Convenient Online, Mobile App., Telephone and Text Banking

    •  Internet Bill Pay

    •  Instant Issue Debit Card

    •  Coin Machine Transactions (where available)

    •  Mobile Payment Options

    •  Mobile Check Deposit from a smartphone or tablet (deposit a check by taking its photo)

    • eStatements available

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
Open Account Online
  • •  $10,000 AD&D Insurance, $1,000 for each dependent grandchild

    •  Total Identity Monitoring and Protection (*Registration/activation required) provided by IDProtect®

    •  Triple Credit Bureau file monitoring (*Registration/activation required) provided by IDProtect®

    •  3-in-1 credit report (*Registration/activation required) provided by IDProtect®

    •  Cash Back Members Rewards (You must register with eClub, request benefit voucher, and return completed voucher with receipts to receive cash back rewards. Rebates limited to $10 maximum per calendar quarter based on total dollar amount of receipts submitted.)

    •  Travel and Entertainment benefits (*Registration/activation required)

    •  Cellular Telephone Protection

    • FREE eClub Mobile App – Check credit report, receive coupons for participating restaurants and retailers (*Registration/activation required) (Wireless carrier’s data rates may apply)

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
Open Account Online
  • •  FREE Specialty Blue Wallet style checks

    •  Surcharge-FREE ATMs – Save receipts – Save money

    •  Convenient Online, Mobile App., Telephone and Text Banking

    •  Internet Bill Pay

    •  Instant Issue Debit Card

    •  Coin Machine Transactions (where available)

    •  Mobile Payment Options

    •  Mobile Check Deposit from a smartphone or tablet (deposit a check by taking its photo)

    • eStatements available

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
Visit Branch to Open
  • •  Surcharge-FREE ATMs – Save receipts – Save money

    •  Convenient Online, Mobile App., Telephone and Text Banking

    •  Internet Bill Pay

    •  Instant Issue Debit Card

    •  Coin Machine Transactions (where available)

    •  Mobile Payment Options

    • eStatements 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
Visit Branch to Open
    • Surcharge-FREE ATMs (no receipt needed, fee automatically waived)
    • Convenient Online, Mobile App., Telephone and Text Banking
    • Instant Issue Debit Card
    • Coin Machine Transactions (where available)
    • Mobile Check Deposit from a smartphone or tablet (deposit a check by taking its photo)
    • eStatements available
    • Fee waived on the purchase of cashier’s checks.  Purchase must be made with cash or collected funds.

Also available for Teachers and Government employees

VIP Student Checking

  • $100 minimum deposit to open
  • No minimum daily balance requirement
  • No monthly service charge
Open Account Online
    • FREE Specialty Blue Wallet style checks
    • Surcharge-FREE ATMs – (no receipt needed, fee automatically waived)
    • Convenient Online, Mobile App., Telephone and Text Banking
    • Internet Bill Pay
    • Instant Issue Debit Card
    • Coin Machine Transactions (where available)
    • Mobile Payment Options
    • Mobile Check Deposit from a smartphone or tablet (deposit a check by taking its photo)
    • eStatements available
Disclosures
1 Certain transaction fees, limitations and requirements may apply. Please refer to the product terms and conditions or see Bank for details.

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.

  • Restrictions and limitations apply to opening deposits and funding methods. Online account opening applies to deposit accounts. Subject to credit approval. Must be 18 years of age. Must be a legal resident of the United States. Must have working device that meets required specifications. Not all products are available for all locations. Not all products are available through online account opening.

    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.

    Savings that make you smile.

    At Happy, we make it quick and easy to open an account, so you can start saving for you and your family's future right away.
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