Bring The Branch To The Palm Of Your Hand.
With Mobile Banking and Mobile Deposit, you can do nearly everything a teller would – from anywhere.
Benefits You’ll Love
- Securely transfer funds with just a few clicks
- Keep track of your finances on-the-go
- Easily deposit checks with a few simple steps
- View transactions, schedule bill pay, and more
- Fast, free, and secure service for customers enrolled in online banking*
- Available to personal and business customers
- Easily keep track of your finances on the go:
- View account balances
- Review history
- Transfer funds between accounts
- Receive alerts
- Pay bills
- Available via any web-enabled cell phone or device
- Utilize this service two convenient ways:
- Web browsing
- App download – iPhone® | *Google Play™
- Save valuable time and effort; avoid an extra trip to a branch
- Deposit checks anywhere, anytime with just a few taps
- Eliminate trips to the bank
- Safe and secure
GET STARTED
Once you have downloaded our mobile banking app, follow these instructions:
- Enroll in mobile deposit
- Allow 2 to 3 business days for your request to be processed
- You will receive a notification letter of approval or denial via mail. To be approved for this service, the following criteria will be considered:
- Banking relationship with Centennial Bank for at least ninety (90) days
- No more than one (1) Returned Deposit Item within the last ninety (90) days
- Account must maintain a positive balance during the past ninety (90) day period
- Customer must be currently enrolled in Centennial Bank’s Online Banking product
- Once enrollment has been approved, use your online banking username and password to log in to the mobile banking app
- Simply tap deposit to deposit your check(s) and follow the prompts
IMPORTANT DEPOSIT REQUIREMENTS:
- Endorsement – All checks MUST have the following information written on the back:
- Mobile deposit box checked or "FOR MOBILE DEPOSIT”
- Account number
- Depositor signature
- Centennial Bank
- If check is not properly endorsed IT WILL BE REJECTED.
- Please make sure that the image of the check is clear and all information is readable — place check on dark surface and in a well-lit area with all edges of the check within the viewing area
- Mobile deposits cannot exceed $500
- You will be notified by e-mail when the mobile deposit is accepted or rejected. If you do not receive an e-mail or have any questions about the transaction, please contact the Operations Department at (731) 669-3900
- Store deposited check in a secure place. Do not destroy the check until after your deposit has been processed; Centennial Bank may ask you to resubmit or provide original check if there is an issue with the deposit
*Wireless carrier data rates may apply.
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% |