Centennial Bank Online - Frequently Asked Questions

You can open an account at any Centennial Bank location or call (501) 748-4800 for more assistance.

We are happy to help you select among many of our customer-friendly accounts. Please contact us at (501) 748-4800 or toll free at (800) 991-CENT.

We will need your social security number and two forms of identification, which must include at least one photo id.

Yes, our Sunshine Free Checking Account. This account allows you to write unlimited checks with no minimum balance.

All of our personal checking accounts include unlimited check writing.

Look at the bottom left corner of your checks. If you have a Personal account the first sequence of numbers, usually a nine-digit number is your ABA (American Bankers Association) routing number. If you have a Business account the ABA number will follow the six-digit check number at the bottom of the check. The ABA number is also known as a Routing and Transit Number, RTN, or bank number. It was established by the American Bankers Association to identify the accountholder's bank.

Yes, as an Online Banking customer you can order checks online if you have placed an order in the last 24 months. After logging into CentBank online, you will click on the Reorder Checks icon on the right side of the page. However, you must reorder the same checks you have had in the past with changes in address. If you have questions, please call 800-991-CENT and a friendly Centennial Bank representative will help you.

You can visit any Centennial Bank branch location or call (501) 748-4800.

Upon receiving your card and pin mailer, you can call the toll free number, 1-800-48-8268. Enter the information requested by using a touch tone phone or use your card with your PIN number at any ATM before making purchases.

No, you can change your PIN by sending in the PIN change form that comes with the PIN mailer or you may call the 800 number that will be listed on the sticker on your card. In order to change by using the 800 number you will need to have the PIN that comes in the PIN mailer and then you will be allowed to change your PIN number.

Yes, you can use your Check Card just like you would use a credit card. Simply swipe the card, or give it to the salesperson and then sign the receipt.

Your Check Card is not a credit card so you don't pay finance charges. We deduct each purchase amount from your checking account and list the details on your monthly statement.

A Check Card is accepted everywhere you see 'Visa' and an ATM card is only accepted at ATM machines.

Yes, all of our checking accounts include a Check Card with no monthly service fee.

To report a lost or stolen card, call toll free (800) 791-2525 immediately.

To report a lost or stolen card, call Elan at (800) 791-2525 or call Centennial Bank at (800) 991-CENT.

Have you forgotten your username or password? Entering your password incorrectly too many times will cause your account to become locked. You can use the "Forgot Your Passcode?" option right below where you login to Internet Banking.

If an IB user forgets his or her passcode when logging on to the system, the typical process flow would be as follows:

The IB user attempts to login to his or her IB account but has forgotten the passcode. The IB user sees the Log In Error page. Note: The Automated Passcode Reset feature requires that both the Forget Your Passcode? and the Problems Logging In? links direct the user to the same Automated Passcode Reset Validation page. This security feature ensures that the user utilize automated passcode reset or contact the financial institution by phone.
The IB user clicks the Forget Your Passcode? link.
The user is presented with the Automated Passcode Reset Validation page where he or she is asked to enter the access ID, tax ID or SSN, and an account number.
If the user does not have the Auto Passcode Reset feature enabled or could not be properly validated, the user will see a message to contact the FI.

The Automated Passcode Reset feature located in the instant login on the top right of the main content allows Internet Banking (IB) users who have forgotten their passcode to automatically reset it without any financial institution (FI) intervention.

The User Services page also provides a link that allows the IB user to change his or her Security Verification Question and/or Answer.

Please call 1-800-991-CENT or 501-748-4800 and ask for the Operations department where a customer service representative can assist you.

Yes, you can transfer between any accounts that you have with Centennial Bank with our CentOnline Banking icon on the right of your screen.

Centennial Bank recommends for you to schedule your electronic bill payment(s) at least two days in advance of the bill payment date.

Yes, please call Centennial Bank at 501-748-4800 or email the Retail department to get your necessary paperwork in order.

A time deposit held in a bank which pays a certain amount of interest to the depositor over a set period of time.

IRA stands for "Individual Retirement Account." An IRA allows the average person to set aside money (tax-deferred, some contributions even tax-deductible) for retirement that could also be invested and grow throughout the years.

Yes, you can apply for a loan over the phone. It takes about 15 minutes to complete your loan application.

We need to verify your employment, asset information and do a credit check.

We need the past three years of your tax returns, current income statement and balance sheet.

A high credit score can help expedite the loan process; however, we have loan programs tailored to accommodate all levels of credit score.

Typically, it is three percent of the loan amount.

Private Mortgage Insurance - is an additional premium added to your monthly mortgage payment. All loans that exceed 80 percent loan-to-value require PMI. However, we do not have PMI loan programs to offer.

Fixed Mortgages are fixed for 10, 15 or 30 years, whereas rates on Adjustable Mortgages are only fixed for the term of adjustment period (3, 5 or 7 years).

You should lock your interest rate 30 to 45 days before you close on your property.

If you would like to get cash out of your home, lower your rate or term, these would all be valid reasons to refinance. However, refinancing is not an option for every one; please contact our Mortgage Department to help weigh your options.

Yes and yes. The appraisal value of your home has changed since you last financed and more than likely so has your credit profile.

Secure Sign In

Your online security is important to us. That is why we are committed to safeguarding your personal information online to keep it secure and confidential.

When you sign in to Internet banking from the Centennial Bank home page, your Access ID and Passcode are sent over the Internet from your computer to ours using Secure Socket Layer (SSL) technology. SSL encrypts your personal information before it leaves your computer, ensuring that no one else can read it.

Once you have signed in, you can check that your Online Banking session is secure in two ways:

Look for the small padlock icon usually located in the lower right corner of your Web browser window. A closed, or locked, padlock indicates a secure connection.
Look for the letters "https://" at the beginning of the Web site address or URL in your Web browser. The "s" means secure.

ALERT: As a security precaution, please remember to click the "Log Off" link when you finish your online session.

This site may be utilized for authorized purposes only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Activity on this site is monitored for security purposes.

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