Frequently Asked Questions

Banking isn't always easy. So, we put together a list of commonly asked questions about overdraft protection, how to change my Online Banking password, how to request a new debit card, and everything in between.


General Banking FAQs

You can open an account online or stop by any Bank Central location.

To open an account, you’ll need your social security number, birth date, employer name, U.S. street address, phone number, and email address.

We offer a variety of checking accounts based on your banking needs. You can compare our checking accounts and see the features of each.

We offer a variety of short and long-term savings accounts based on your savings goals and retirement strategy. Check out our savings account options.

There may be a fee depending on the type of account you choose, however, in many cases the fees are avoidable. Explore your options here.

You can find your account number on the bottom of your check (it is the second series of numbers) or by logging into Online Banking and viewing your Account Summary page.

You can find your routing number on the bottom of your check (it is the first series of numbers), or by logging into Online Banking and viewing the Account Activity page. Bank Central's routing / ABA number is 086519609.

A memo post is a transaction that has not yet posted but is temporarily included in the current day's available balance until the nightly ledger update. The transaction is processed and cleared for the next day.

Online Banking customers can order checks in just a few minutes either on our secure website or through our Mobile Banking app.

On our secure website (mobile and desktop):

  1. Sign into your Online Banking Account
  2. Select the "Additional Services" tab in the main navigation
  3. Click the "Order Checks" link and follow the instructions

Not an Online Banking customer? Enroll in Online Banking today

On our mobile app:

  1. Sign in to the mobile app
  2. Navigate to your checking or savings account
  3. Open the app navigation menu Select the "Additional Services" tab
  4. Click the "Order Checks" link and follow the instructions

Don't have our mobile app? Download it today

When you make a deposit to your account, we most often make the deposited funds available the next business day. But sometimes, we place a hold on a deposit. This means you may not have access to those funds until the next business day. The availability of funds depends on a number of factors, including how, when and where you made the deposit. When you deposit cash with a teller, funds are usually available immediately if the deposit was made before the cut-off time. This is also true if you make a deposit at an ATM or if you deposit a check written to you.

A cashier's check is a check guaranteed by a bank. It is also known as a bank check, official check, teller's check, bank draft or treasurer's check. They are usually treated as cash because most banks clear them instantly.

You can get a cashier's check by simply visiting one of our branches.

A Certificate of Deposit, or commonly referred to as a CD, is a certificate issued by a financial institution confirming a particular deposit. A CD has a maturity date, a specified interest rate, and can be issued in any denomination.

You can open a Certificate of Deposit online.

A U.S. savings bond is a government bond that offers a fixed rate of interest over a certain period of time. Savings Bonds are considered one of the safest investments because they are backed by the full faith and credit of the U.S. government. Series EE bonds are purchased at half of the face value, and Series I bonds are purchased at face value.

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