Central Bank Promotions: $300, $400 Checking & Savings Bonuses [CO, IL, KS, MO, OK] – Ends 12/31/25

Find up-to-date promotions and offers from Central Bank here. Typical offers range from $100 to $350.

Central Bank was established in 1902 and is headquartered in Jefferson City, Missouri.

• Update 4/24/2025: The offer is back through the end of the year. You may want to check out this offer from BMO Bank.
• Update 1/24/2024: The offer is back through December 31, 2024.
• Update 4/22/23: $400 Deal back through 7/31/2023.
• Update 2/27/23: $400 deal is back until 3/31/2023. $300 referral offer extended until 12/31/23.

Central Bank $300 Checking Offer

• What you’ll get: $300
• Where it’s available: CO, IL, KS, MO, OK
• How to earn it:
  • Use promo code RAF300
  • Enter the person who referred you first and last name
  • Deposit $50 or more at account opening
  • Open any eligible checking account and have at least two qualifying direct deposits within the first 90 days of account opening.
• When it expires: 12/31/25

Trending Checking Account Deal:

BMO Cash Bonus: Earn an Easy $400 Checking Cash Bonus*

Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account and earn a $400 cash bonus* when you receive at least $4,000 in qualifying direct deposits within the...Show More

Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account and earn a $400 cash bonus* when you receive at least $4,000 in qualifying direct deposits within the first 90 days. Enjoy no monthly maintenance fees, no minimum balance requirements, and access to over 40,000 fee-free ATMs nationwide. Act now before it ends 9/8/25 Show Less

Earn $400

Go to the deal

Waive The Monthly Fee

Their Free Checking account has no monthly fees.

Fine Print

• Eligible accounts include MyChoice Checking, MaxMoney® Checking, Free Checking, World Checking, and Preferred Interest Checking.
• Acceptable types of Direct Deposits include Payroll, Pension or Government Benefit.
• Bonus is reported to the IRS as interest.
• No minimum balance required for bonus.
• Bonus will be deposited into the checking account within 15 business days after account 1) meets all requirements AND 2) has been open for 90 days.
• Available to new checking account customers only.
• One offer per household.
• They reserve the right to not open accounts for customers outside their market area.
• Offer not valid with any other offers.
• Please contact them for further details. 

READ MORE: WELCOME OFFERS FROM CHASE AND BMO.

Bottom Line

They previously had a $350 offer and didn’t require a referral.

READ MORE: SEE THESE CASH BACK SHOPPING DEALS AND PROMOTIONS FOR BONUS CASH AND REWARDS

[Expired] Central Bank Up To $400 Checking + Saving Offer

• What you’ll get: Up To $400
• Where it’s available: CO, IL, KS, MO, OK
  • Use promo code: Winter400 and get $300 when you open any eligible checking account and have two more direct deposits with a cumulative total of $250 within the first 90 days.
  • Want another $100? Open a SaveUp Savings account at the same time and have at least a $500 balance 90 days from the date of account opening.
• When it expires: 7/31/23

Waive The Monthly Fee

Their Free Checking account has no monthly fees.

READ MORE: GET CASH, PRIZES AND MORE WITH THESE REFERRAL DEALS

Fine Print

• To receive the $300 checking bonus, open a new eligible personal checking account.
• Eligible accounts include MyChoice Checking, MaxMoney® Checking, Free Checking, Preferred Interest Checking, and World Checking.
• Deposit $50 or more at account opening; and have at least two or more direct deposits with a cumulative total of $250 within 90 days of account opening.
• No minimum balance required for Bonus.
• Qualifying types of Direct Deposits include any direct deposit from Payroll, Pension or Government Benefit.
• To receive the $100 savings bonus: 1) Meet all requirements for Checking account bonus, 2) Open a new SaveUp Savings account at the same time as your eligible Checking account; 3) Deposit $50 or more at account opening; AND 4) have at least a $500 balance 90 days from the date of account opening.
• SaveUp Savings annual percentage yield based on $500 balance is 0.02% as of 12/22/22.
• Bonuses are reported to the IRS as interest.
• Bonuses will be deposited into the checking account within 15 business days after account(s) 1) meets all requirements AND 2) has been open for 90 days.
• Available to new checking account customers only.
• Offer is not available to those whose accounts have been closed with a negative balance within the last 2 years.
• You will receive only one new checking account opening related bonus every two years from the last date incentive was paid.
• Only one bonus per household.
• Customer must bring in mailer or use offer code to receive incentive.
• Offer may only be redeemed by the intended recipient and is nontransferable.
• Eligibility for this offer will be verified prior to providing the bonus.
• The new checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive either bonus.
• We reserve the right to not open accounts for customers outside our market area.
• Please contact us for further details.

Bottom Line

This is a better offer than their previous offer of $350 for just a checking account.

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

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