Central Bank
Open Account
Welcome to Central Bank's online account opening process.

Follow these simple steps:

Tell Us About Yourself

Confirm Your Identity

Complete Signature Card

Customize Your Account

Fund Your Account


What would you like to do?
I would like to start a new application.
I would like to sign in to an existing application that either I or my co-applicant has already started.

You will need to have the following information to complete the process today:

  1. Your Social Security or Tax ID Number.
  2. Your Driver's License or ID card issued by a state Department of Motor Vehicles.
  3. Information about any loans or mortgages that you may have to help us confirm your identity.
  4. For instant funding, you will need your current bank account and routing numbers.
  5. If applying for a joint account, you will need the Secondary Applicant's name, Driver's License or ID card issued by a state Department of Motor Vehicles, Social Security or Tax ID number, and Date of Birth.
  6. You may choose from several options for the initial deposit for your new account. Those include a credit or debit card, an electronic transfer from another account you own, or mailing a check. If you select the credit/debit card option please note that the maximum initial deposit is $500 (which may be less than the monthly minimum balance requirement for certain accounts). Deposits made by electronic transfer or check have a maximum initial deposit limit of $10,000.

Note: All applicants must be at least 18 years of age and reside in Kentucky, Ohio, Indiana, Tennessee, or West Virginia.
"Brokered Accounts" (as defined in Section 29 of the Federal Deposit Insurance Act) are not permitted to be opened through the online account opening process.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, driver's license information or other identifying documents and information that will allow us to identify you. We may also ask for copy of your driver's license or other identifying documents. We will retain this information.

Click Here to email a representative.

or call:
(859) 253-6222
Toll Free:
(800) 637-6884

Client Services Hours
Monday through Friday
8 am to 6 pm ET
Saturday 9 am to 1 pm ET