CNext - Century Next Bank | Lincoln | Ouachita | Ashley County

Personal Checking

Personal Banking

Our checking accounts and services were created with you in mind. From personal banking to online banking, we offer easy-to-use and easy-to-manage checking accounts.  Let one of our friendly Relationship Bankers guide you in choosing the best account for your needs. We’re here for you!

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Minimum to Open Annual Percentage Yield (APY)* Minimum Balance to Earn Interest Monthly Service Charge Additional Information
Basic Checking $50 n/a n/a $8

Waived with $1,000 minimum daily balance
Interest Checking $50 0.25% $0.01 $12

Waived with $2,500 minimum daily balance

Priority Checking

$50 If monthly qualifications are met, 7.00% for balances up to $30,000.00.  Amounts over $30,000.00 receive 0.50%.

If monthly qualifications are not met, 0.05% on entire balance.
$0.01 n/a
  • Nationwide ATM fee refunds up to $15/month if monthly qualifications are met.
  • $2 Transaction Fee for Using Non-Century Next Bank ATM**

Monthly Qualifications
1. 12 or more debit card transactions at a minimum of $5 per transaction, must post and settle to the account.

2. Receive your monthly account statement electronically.

3. Have minimum $500 aggregate ACH credit post and settle.

See below for Priority disclosures.**

Legends Checking $100,000 Tiered Rates
See chart below
$0.01 n/a n/a


$50 n/a  n/a $10
  • $10,000 Accidental Death & Dismemberment Insurance
  • Identity Theft 911 - Lifestages
  • Cellular Telephone Protection
  • Roadside Assistance
Youth Checking $50 n/a n/a n/a Joint ownership account offered to individuals between ages 14-17






$0.01 to $249,999 


$250,000 to $499,999


$500,000 to $999,999


$1 million and over



*APY=Annual Percentage Yield.  APYs accurate as of 07/21/2023.  Rates may change after account is opened.  Fees may reduce earnings.


**Priority Checking and Priority Savings Disclosures
Limit one account per SSN. Minimum to open is $50 for Priority Checking and $50 for Priority Savings. Available to Arkansas and Louisiana residents only. For Priority Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 ($4.99 per single transaction) and credited to account on the first business day of the month following the statement cycle; Century Next Bank charges a separate fee for using a non-Century Next Bank ATM. (2) balances up to $30,000 receive APY of 7.00%; and (3) balances over $30,000.00 earn 0.50% interest rate on the portion of the balance over $30,000, resulting in 7.00% - 0.50% APY (depending on the balance). If qualifications are not met on Priority Checking all balances earn 0.05% APY. Qualifying transactions must post and settle to the Priority Checking account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle means the first business day of the month to the last business day of the month. The advertised Priority Checking APY is based on compounding interest. Interest is compounded using the average collected balance method. Interest earned in Priority Checking is automatically transferred to Priority Savings each statement cycle and does not compound. Actual interest amount paid may be less than advertised Priority Checking APY. The Priority Savings APYs may be less than Priority Checking APYs. If qualifications in Priority Checking are met each monthly qualification cycle: (1) balances up to $30,000 in Priority Savings receive an APY of 3.00%; and (2) balances over $30,000.00 in Priority Savings earn 0.50% interest rate on portion of balance over $30,000, resulting in 3.00% - 0.50% APY (depending on the balance.) If qualifications are not met on Priority Checking, all balances in Priority Savings earn 0.05% APY. 

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