Options for everyone

Sentry Bank has personal checking account options for everyone. Scroll down for a general overview of our different accounts or use our account chart to see more details.

Detailed Account Chart


All of our checking accounts include access to our free online banking, free mobile banking, and a debit card with access to over 50 fee-free ATMs in the St Cloud area through the MoneyPass Network.

Cent’sational Checking

Our most popular checking account. With no minimum balance, no monthly or annual fees as well as a debit card, it is a good choice for anyone looking for a simple and straightforward checking account.

NOW Account

If you are going to maintain a higher balance and would like to earn some interest, this is the account for you.

Golden Checking

The Golden Checking account is for people 55 years and older and is similar to our Now account but allows you to have a lower minimum balance. This account also offers free checks, Cashier’s Checks, and Money Orders.

Prime Time Account

Also known as our Money Market account, the Prime Time Account is for people who keep a high balance and have minimal transactions. It is an interest bearing account which allows you to earn a better interest rate with a higher balance.


Everybody makes mistakes, even when it comes to their checking account. The good news is that Sentry Bank has ways to cover your overdraft mistakes before you get penalized for them.

Ready Reserve
We offer a Ready Reserve line of credit that is attached to your checking account so that if you overdraft your account, it automatically advances and covers the negative balance. Subject to qualification.

Auto Transfer
If you have multiple accounts with Sentry Bank, you can set them up so that if you overdraft your checking account, we will transfer money from another account, whether it is a savings account*, a line of credit, or even another checking account.

*Some restrictions and fees may apply. Click here to see the Personal Account Spreadsheet for more details.