Ultimate Checking Our Ultimate Checking account will pay a higher Annual Percentage Yield when you meet certain monthly requirements. At least one ACH transaction per month, a valid e-mail address and e-statements are required to open this account. All ATM fees can be refunded when receipts and request form are brought in within 30 days. To obtain the higher monthly interest rate, you must have a minimum of 12 POS transactions within the month; otherwise, the account will pay 0.05% APY. $100 opens this account. No minimum balance. FREE Internet Banking FREE Debit Card. FREE Billpay FREE e-Statements Click here for Checking Account Pre-Application. Back to general Checking page Stop in today at the Central National Bank, Oklahoma location nearest you.