Cater to customers and keep cash flowing
Accept the major credit and debit cards your customers are using while simplifying backend work.
Benefits You’ll Love
- Take advantage of easy to setup and use equipment
- Easily accept the payment methods customers need
- Streamline record-keeping while reducing error
- Access multiple authorization networks and transaction processing options
Whatever your business model — traditional POS retail, mobile, mail/telephone order, e-commerce or any combination — we can customize a payment processing program that includes everything you need.
Our services include:
- Ability to accept all major credit and debit cards, plus ACH processing and check verification
- Next-day funding available
- Multiple authorization networks and transaction processing options
- Quick and easy electronic application process
- 24/7/365 U.S.-based merchant support
- Comprehensive 24/7 online reporting
- American Express® Card acceptance at the same rate as other payment cards*
Transaction Express®: Complete online payment processing management system and payment gateway gives you complete control of your credit and signature debit card payment acceptance, wherever you are. Capabilities include:
- Real-time transaction processing
- Recurring billing with tokenization for both one-time and recurring (automatic and manual) payments
- Direct swipe via USB with no additional software
Learn more about Transaction Express.
TransLink: User-friendly Internet-based reporting system helps you manage payment processing from any web-enabled PC. TransLink includes:
- Comprehensive activity reports that provide access to all payment card transactions
- User controls that allow merchants to create reports based on the information they need
- Online response to chargebacks and retrievals
ProcessNow®: It’s the next evolution in payment processing — app-and-hardware solutions that let you accept payments wherever and however your customers want to pay.† ProcessNow Mobile lets you take your business directly to your customers with mobile processing solutions for Apple® and AndroidTM mini-tablets and smartphones. ProcessNow Register replaces your clunky cash register-and-terminal POS system. Features for both solutions include:
- Accept Visa®, MasterCard®, American Express, Discover® and PayPal™ at the point of sale
- Print or email customer receipts
- Enter inventory items quickly and easily
- Manage tips and tax rates
TransFreedom®: Accept credit cards simply and affordably. TransFreedom combines a number of monthly charges into one single low monthly fee that’s less than the cost of the individual fees. It’s serious savings made simple:
- No hidden fees – statements clearly explain all charges
- Merchant’s choice of fee tier based on monthly processing volume
- Cost flexibility allows merchants to grow and still maintain low fees
Data Breach Security Program: This program offers you financial protection in the event of a security breach, saving potentially hundreds of thousands of dollars in fines and related expenses – all for a low monthly fee. The program covers:
- An industry-mandated audit for a suspected breach
- Card replacement costs and related expenses
- Industry assessments and fines
You’ve worked tirelessly to build your business. Why not enjoy state-of-the-art payment processing with the financial institution you trust? Ask your business development representative for more information about our payment-processing program with TransFirst.
EMV®: Chip cards are also known as EMV (short for Europay/MasterCard/Visa). They allow you to process credit and debit cards that use a microchip to store data.
- PROTECT your business from financial liability
- ACCEPT mobile wallets like Apple Pay®
- SECURE data transfer through encryption
- PROCESS non-chip cards, too
- Your equipment may need to be upgraded in order to accept EMV cards.
- Chip cards make duplication of card information much more difficult.
*Merchants that process less than $1,000,000 in American Express annual charge volume may be program-eligible (certain restrictions and exclusions may apply). †Transaction Express account required to use ProcessNow; regular monthly fee applies. All merchants subject to credit approval; some restrictions and exclusions apply. All offerings are subject to change or discontinuance at any time. Trademarks are the property of their respective owners and are not necessarily affiliated with TSYS. Apple and Apple Pay are registered trademarks of Apple Inc. Android is a trademark of Google Inc. EMV is a registered trademark or trademark of EMVCo LLC in the United States and other countries. TSYS® is a federally-registered U.S. service mark of Total System Services, Inc. TSYS Merchant Solutions is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA and Synovus Bank, Columbus, GA. Synovus Bank, Columbus, GA; and Deutsche Bank, New York, NY; for Visa® and MasterCard® transactions only.
Use this calculator to determine your projected earnings from our Rewards Star Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (CD)
Invest confidently knowing you'll receive a guaranteed rate of return with a Centennial Bank CD. We offer a wide range of CD products at competitive market rates. Whether you are looking to invest short-term or long-term, Centennial Bank has the right CD for you. Contact your local branch for current terms and rates.
Club Accounts
| Account | Balance | Interest Rate | APY |
|---|---|---|---|
| Christmas Club | 0 - $5,000 | 1.25% | 1.25% |
| Christmas Club | $5,000+ | 0.50% | 0.50% |
| Vacation Club | 0 - $5,000 | 1.25% | 1.26% |
| Vacation Club | $5,000+ | 0.50% | 0.50% |
Subject to terms and conditions of the bank. There is a minimum $10 deposit to open a club account. Rates effective November 1, 2024
Gold Star Checking Account
| Tier | Interest Rate | APY |
|---|---|---|
| $1,000.00 - $2,499.99 | 0.700% | 0.700% |
| $2,500.00+ | 0.800% | 0.800% |
Money Market Account
| Tier | Interest Rate | APY |
|---|---|---|
| $2,500.00 - $9,999.99 | 0.850% | 0.850% |
| $10,000.00 - $24,999.99 | 0.950% | 0.950% |
| $25,000.00 - $49,999.99 | 1.090% | 1.100% |
| $50,000.00 - $99,999.99 | 1.490% | 1.500% |
| $100,000.00 - $249,999.99 | 3.450% | 3.500% |
| $250,000+ | 4.170% | 4.250% |
Rewards Savings*
| Tier | Interest Rate | APY |
|---|---|---|
| 0 - $25,000 | 0.9955% | 1.00% |
| $25,000+ | 0.5000% | 0.50% |
| Qualifications not met | 0.01% | 0.01% |
Qualifications
Qualifying for your Rewards Star or Rewards Star Cash Back rewards automatically qualifies you for the highest Rewards Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards Star or Rewards Star Cash Back account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
Rewards Star*
| Tier | Interest Rate | APY |
|---|---|---|
| 0 - $10,000 | 4.889% | 5.00% |
| $10,000+ | 0.50% | 0.50% |
| Qualifications not met | 0.01% | 0.01% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards Star account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
Savings Account
| Minimum Balance to Open | Interest Rate | APY |
|---|---|---|
| $25.00 | 0.50% | 0.50% |