Frequently Asked Questions

To sign up for Centier's Online Banking, please follow these steps:
You need to have an existing Centier account. If you do not have a Centier account, you can apply for an account online by clicking here. You will need to complete and submit the appropriate Online Banking Enrollment Form listed below:

Online Banking Enrollment Form

You also need to print out and mail in a signature page. (click here)

Upon receipt of your signed signature page, Centier will perform a final verification of your account information, and your account(s) will be enabled for online banking access. We will confirm completion of this process with a welcome e-mail.

*Please note that if you have completed the application process but have not accessed your account in 6 months, it will be necessary for you to complete the application again, as your account will be deleted from our system for security reasons.

All areas of the application with an asterisk (*) are required fields. Without this information, the system will not accept the application.

When we validate the application for Online Banking, if the information provided is not accurate the application process will be stopped until you can provide the correct information. Centier will attempt to contact you by e-mail, phone, or letter as needed.

Once your account has been processed, we will notify you by e-mail with set-up instructions.

You need to register with the TIN of the business. In order to enroll your business for Online Banking, you must be the business owner, or be authorized to transact business for the company.

Check for the following:

1) Are the 'Caps Lock' off and the 'Num Locks' on? Passwords are case sensitive.

2) If you cannot remember your password contact our Client Service Center. Click here for Client Service Center assistance.

Select the Change Password option in Online Banking.

The individual Internet Banking password ensures that only you can access your confidential information.

  • You are encouraged to remember this password and keep it secure.

  • This feature may be accessed any time and as often as you wish. You are prompted to enter the existing password
    and the new password twice. The requirements remain the same:

  • It must contain exactly 8-characters at least 1 number at least 1 uppercase letter at least 1 lowercase letter the
    Password cannot contain leading or trailing blanks.

You may select a new PIN whenever you choose. Simply contact the bank to request the change. Due to system reasons your new PIN cannot be one of the following numbers:

     0000      2625      3763      4040      7703      9990      9999

*The last four digits of your SSN are not allowed for security purposes.

*For your added security we ask you to refrain from using any part of your SSN, street (house) numbers, DOB, Phone number, or other easily accessed information.

As a security measure, you have five (5) attempts to enter the correct 8-character password to access the system. If the fifth attempt is not valid, the system will automatically lock the account. The system counts the failed login attempts as a consecutive attempt.

Contact your local branch or call the Client Service Center (219-756-BANK in Lake County or 1-888-CENTIER elsewhere) to request the account be enabled. Or you may send an e-mail request to support@centier.com. Please be sure to include your full name with the request.

Note: The system will not complete the requested change if the account you specified does not allow fund transfers. Additionally, dormant accounts cannot be automatically approved for online access.

Multiple signature accounts do not have transfer capability.

Only accounts listed on your application will be set up for online access. Please be sure to include all of the accounts you would like to view online in your Online Banking access.

The accounts must be linked to allow transfer access.

• The system currently has an unlimited dollar amount for transfers; however if your account was set up for online banking prior to 2007, your transfer may be set at $2,500.00 per transfer. You may change the transfer amount to be lower, higher, or unlimited by contacting any branch, or the Client Service Center.

• Cash Reserve Accounts, (CRA - include Overdraft Flex accounts and Installment Loans) and holiday savings accounts are transfer 'TO' accounts only. The system does not allow funds to be drawn out of these accounts.

• CD’s, HSA’s, IRA's are viewable accounts only. These accounts cannot be additionally funded online.

As an Online Banking client, you have the capability to view posted checks online when accessing a particular account. This feature is called Check Imaging.

To view your checks:
• From the account summary screen, each check number will be highlighted and underlined - this is the link to the check.

• Simply click on the check number link.

• The next screen will show the actual check - front and back.

Note: The check images are considered legal documents according to IRS standards.

Due to privacy regulations and Centier Bank's Privacy Policy, your signature is required for any address or phone number changes. Please visit a Centier Bank branch to complete an address change document. You can also download our address change form by clicking here . Please mail the form to the address listed below.

Centier Bank Online Banking
600 E. 84th Ave.
Merrillville, IN 46410

The Centier Bank Loan Department reserves the right to limit online access or specific transfer capabilities with loan accounts. Please contact the Centier Bank Loan Department if you are interested in establishing an online loan payment account.

You can close your account by visiting any Centier branch. Listed below are steps to close an account without going to a branch.

• You will need to send a signed notice requesting the closure.
• Please be sure to include the address you would like any last statements/funds to be sent.
• Please specify the effective date of account closure and list of accounts to be closed.
• Please send your documented, signed notice to the following address:

Centier Bank Operations Center
Attn: Closed Accounts /Deposit Operations
600 E 84th Ave
Merrillville, IN 46410-6366

You must be a Centier Online Banking client and have a checking account to qualify for Bill Pay. Just sign on to Online Banking and click on the "Bill Payments" icon. You will be guided through the set-up process.

To cancel Bill Pay call our Client Service Center at 1-888-CENTIER or e-mail support@centier.com.

Bill Payment is limited to a single checking account per SSN access.

Payments are made either by paper check or electronically. The method employed on any single payment depends on whether the Bill Payment processor, FIS, has established an electronic payment relationship with the payee and whether they are found on the electronic payee database.

The payment would need to be added manually.

Yes, a pending payment may be edited prior to the processing date.

• To edit a pending payment, click on the edit link of the payment that would be wanted to change.
• The Edit payment screen appears.
• To edit a recurring payment that is pending, use the Pending Payments button. Click the link for instructions on editing
pending payments.

Yes. However, if you delete a scheduled recurring payment, you will also delete all other recurring payments in that series.

• The Bill Pay application is submitted electronically, separate from the Online Banking application.

• It is ONLY available online once you have logged in to your online account.

• After you have accessed your Online Banking account for the first time, the Bill Pay icon is available to you with all other options shown at the top of the screen.

• Select Bill Pay. The next screen displays the link to the application registration.

This is a warning when more than one payment on the same date, for the same amount and to the same payee has been attempted.

 View the Pending Payments screen to verify if the payment has been scheduled.  If you still require assistance, the Bill Pay online HELP system may be of further assistance.

Only paper checks can be stopped. Electronic payments cannot. There is a $35 service charge for stop payments.

If you want to stop a payment you may contact FIS, the Bill Pay provider. FIS phone number: 1.800.823.7555

The payment history screen displays a list of processed payments within a specific date range.
Using this screen, you may view payment history:

• Account activity history is retained for up to 6 months.
• The default date range is 30 days past.
• Payment history cannot be edited or deleted.

Internet Banking uses software from Netscape® Communications that incorporate full data encryption to ensure the security and privacy of transactions.

This encryption technology is so secure that it is classified by the U.S. Department of Defense. United States law forbids export of this technology to other countries.

As a further security measure, Internet Banking utilizes its Internet server as a firewall, thereby preventing customer data from being directly accessed via the Internet.

With the use of encryption, firewalls and trusted operating systems incorporated into our overall banking network, we have made it possible for secure and authentic transactions to be processed over the Internet.

You can send us an e-mail at clientsupport@centier.com and we will respond to your message within two business day after receipt.

Keep in mind that e-mail messages are not secure. Therefore, do not include any sensitive information such as account numbers, balances, passwords, etc. We will need your name, mailing address and phone number and your question or issue. This will allow us to find and view your account.

Or, you can call our Customer Service Center directly at (219) 756-BANK (in Lake County) or 1-888-CENTIER (elsewhere) weekdays from 7 a.m. - 7 p.m., or Saturdays from 8 a.m. - 2 p.m. .

Many of our applicants are curious to know what happens to their application once it is received by Centier's Human Resources department. Below are details of the application process and the careful consideration that is given to hiring a Centier Bank associate.

1. The application is received in HR and uploaded into our application tracking system.
2. An email notification is sent to the applicant to confirm receipt of application.
3. The application is reviewed for all positions available.
4. If the applicant is not a fit for the current openings, they are notified via email. This application is held on file to be considered for future openings.
5. Applicants that are a potential match for current openings are contacted via phone within 1 to 2 weeks by an HR representative (phone interview).
6. Applicants that are being pursued beyond that point will have their credit processed.
7. Once the credit is processed, reviewed, and approved, the candidate will be contacted by HR for a formal 1st interview (if there are any credit concerns, a letter and copy of the credit report will be mailed to the applicant).
8. After the 1st interview with HR, the representative will make the decision as to how they’d like to proceed with the candidate’s application.
9. If the candidate is not being pursued beyond the 1st interview, they will be notified via letter of the decision.
10. Candidates that are being pursued beyond the 1st interview will be contacted via phone to schedule a 2nd interview with the manager of the position/location under consideration.
11. After the 2nd interview, if the decision has been made to move forward with an offer for the position, the candidate’s references will then be verified by HR (if candidates are not being pursued beyond the 2nd interview, they will be notified of the decision by HR).
12. Once the references have been verified, the candidate will be contacted by HR and an offer will be extended to them.
13. If the candidate accepts the offer, HR will help coordinate a start date for them and will schedule them for a drug test.
14. Once the new associate does start with us they will attend a new associate orientation program. At that time, their finger prints will be taken and submitted to the FBI for a formal background check.
15. After orientation, the new associate will begin training for their new position.

You can call us at (219) 755-6160, Monday - Friday 8:00 a.m. to 5:00 p.m.

When you enroll in Round Up Savings all Visa® Debit Cards connected to the checking account will round up to your designated savings or money market account. Both signature and pin transactions made with Centier Visa® Debit Cards qualify for Round Up Savings. Multiple checking accounts and Visa® Debit Cards can be linked to one savings or money market account.  You must be an account owner on each checking and savings or money market account enrolled.

Round Up amounts will accumulate for one transfer to your savings or money market per day. If you do not have sufficient funds in your account or if a transaction has overdrawn your checking account, your Round Up Savings transfer will be cancelled for that day.

You will need a Centier checking account, Visa® Debit Card and a savings or money market account.

Round Up Savings is a FREE service available to Centier clients.

It’s simple partner. Mosey on over to centier.com/roundup and click on Sign Up Today. You will need your checking and savings or money market account number to complete the application.

You can view your daily Round Up Savings through your Online Banking account.

Round Up amounts will accumulate for one transfer to your savings or money market per day. If you do not have sufficient funds in your account or if a transaction has overdrawn your checking account, your Round Up Savings transfer will be cancelled for that day.

Yes. You can always add or transfer money to your designated Round Up savings or money market account in addition to your daily Round Up transfers.

Simply visit any one of our 44 branch locations or call our Client Service Center at 1-888-CENTIER.

Apple - iPhone, iPad or iPod Touch – (3.2 operating software or higher)

Android - Multiple Devices (Samsung, HTC, Motorola etc.) – (2.1 operating software or higher)

Any personal banking client at Centier with a checking, saving, or loan account. Business clients are not eligible at this time.

• First and last name tied to the Centier account
• Social Security Number
• Date of Birth
• Address tied to the Centier account
• Driver’s License number, expiration date, and issuing state

You will also need to correctly answer questions tied to your social security number. These questions are meant to prevent fraud and are expected to be challenging.

Yes. If another account holder wishes to access the application through another registered Centier user’s device, then the second account holder must choose the "Help" feature and then select either "Existing User" if they are already registered on another phone, or "New User" if they are completely new to mobile.

The username can be any length and must contain only letters and/or numbers.

The password must contain at least eight characters including both a letter and a number. Special characters are allowed, but not required..

You must contact Centier’s Client Service Center to have the items reset.

Yes. Through the Help feature you can change your existing password and create a new one. You must enter your existing username and password for this to be successful.

Apple - The physical home button will allow you to leave the application. Once pressed, you will be taken out of the application and must go through the login process again to access personal banking content from within the application.

There is also a logoff button on the top right corner of the main dashboard after login. If you use this button to log off, you will be brought to the login screen of the application.

Android - You can press the settings button, which will bring up a sub-menu within the application. Once the sub-menu is brought up, you then have the option to select "Logout" to leave the application and end the current session.

When selecting "Get Directions" you are actually leaving the application session and continuing to Google Maps. You will need to login once again to access content within the application.

The recent transactions on the main accounts screen are related to the first listed account at the top of the screen. You can also see the account number listed under the transaction to associate with a particular account.

Yes. For both applications you can set your primary account at the time of registration.

Apple - You can go to the Personalize feature and choose which account you would like to set as the primary.

Android - The only way to change the primary account is at the time of registration.

No. Any account in good standing will remain active unless a specific request comes from you to terminate the account.

This will allow you to promote or share the Centier app with another mobile user. You can access Facebook or Twitter and post to their own wall a link for the application in the Apple Store, iTunes, or the Android Market. There is also an email feature which allows users to email a link explaining the new Centier mobile application.

The Share button links out to your own social media login. The Facebook button brings you to Centier’s Facebook page so they can see activity and information related to the bank.

The plus sign allows you to create a present or future dated transfer transaction. The minus sign allows a user to cancel a transfer that is scheduled to take place in the future.

Transfers will occur on the same business day (M - F excluding holidays) if made prior to 5pm CST. You will receive transfer confirmations as they are made. Pending transactions will be reflected in your balances and history immediately.

After you schedule a future dated transaction, you will see it appear in a list with other transfers. You must press and hold down on the transfer you wish to cancel thus bringing up a pop up box asking the user if you wish to cancel the transaction.

On both the Apple and Android applications, the version number is shown on the loading page that appears immediately after you launch the application.

Security features include data encryption, firewalls, trusted operating systems, multi-factored authentication to secure your Mobile Banking sessions. More information regarding security is available at https://www.centier.com/security.

These documents are available at https://www.centier.com/disclosures.