Personal Checking
Open an Account Quickly and Easily
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
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• 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
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• eStatements required (if eStatement requirement not met account will include $5.00 monthly service charge)
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
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• 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
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• $10,000 AD&D Insurance, $1,000 for each dependent grandchild
• Total Identity Monitoring and Protection (*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.
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:
- Check – Any amount up to product maximum
- Wire – Any amount up to product maximum
- 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. [/footnote] 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)
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• FREE Notary Service
• Half-Price rental fee for one Safe Deposit Box (safe deposit box content is not insured by the FDIC)
• Instant-Issue Debit Card
• Surcharge-FREE ATMs – Save Receipts, Save Money
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
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• 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
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Learn more about our Diamond Travel Club
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
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• 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
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• No Overdraft Privilege available