Checking

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.

Open Account Online 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. Enjoy no minimum balance, no monthly or annual fees. This a great choice for anyone looking for a simple and straightforward checking account.

NOW Checking

For our customers that hold a higher balance this checking account earns interest at a variable rate. A minimum balance of $1,000 is required. A monthly maintenance fee applies if the account balance drops below the minimum balance required.

Golden Checking

Our Golden Checking account is for customers 55 years and older and earns interest at a variable rate. A minimum balance of $500 is required. This account also offers complimentary checks and Cashier’s Checks. A monthly maintenance fee applies if the account balance drops below the minimum balance required.

Prime Time Checking

Also known as our Money Market account, the Prime Time Account is perfect for customers 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. The minimum balance required is $2,500. A monthly maintenance fee applies if the account balance drops below the minimum balance required.

OVERDRAFT PROTECTION

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.

COVID-19 (Coronavirus):*lobbies are open as of 1/11/2021*