Checking and Savings
Visit Centier to You for access to helpful financial materials! Below are just two examples of topics covered.
Looking for more than just a checking account? At Centier we can help!
Yes, all of our checking accounts come with a Centier Visa debit card. You can use the card directly or link it to your Google or Apple Pay account for even more flexibility.
Yes! We have online banking services and a mobile app for both IOS & Android! Visit our online and mobile banking page to get additional information and download the mobile app.
Round up purchases to the nearest dollar on your debit card and save the difference in a savings accounts. Click here for more information!
Yes! Overdraft Protection is available. More information can be found here.
A checking account lets you deposit and withdraw money from a secure place so you can access it when needed, such as paying bills or shopping. With a Centier checking account you can easily manage your funds through the online banking portal, mobile app, and at over 60 Centier branches & EZ deposit ATMs across Indiana. You can also withdraw funds surcharge free at over 55,000 ATMs nationwide through our partnership with Allpoint and Presto! In Addition, you can have an employer direct deposit into your account, mobile deposit checks directly through the Centier mobile app, write unlimited checks, and even utilize mobile payment services such as Apple & Google Pay. You can also set up online bill payments or send money directly to another person with our P2P (Person To Person) bank transfer process. These are just some of the exciting tools and services that let you bank the way you want at Centier.
Lively provides two ways to access investment capabilities through Schwab Health Savings Brokerage Account by Charles Schwab. Account holders can choose to invest anything above $3,000 for no access fee from Lively or invest with no restrictions after a $24 annual access fee from Lively. Please note that other investment fees from Charles Schwab may apply. Learn more2.
Lively charges a 0.50% annual management fee for access to investment capabilities through the HSA Guided Portfolio by Devenir, including automated features such as rebalancing. The fee is based off of invested assets and debited quarterly.
Be sure to consult with a financial planning and/or tax professional as needed to understand your options.
No, unlike with a Flexible Spending Account (FSA), HSA funds never expire. The HSA is owned by you, not your employer, so even when your job situation changes, you don’t have to worry about losing the funds in your HSA.
You can use your HSA for a wide range of qualified expenses, such as doctor's visits, prescription drugs, imaging, lab work, medical equipment, contact lenses, dental work, physical therapy… the list goes on. Find out what is eligible for reimbursement.
The IRS sets annual contribution limits for HSAs. In 2022, individuals may contribute up to $3,650, and families may contribute up to $7,300. If you are 55 or older, you may add another $1,000 on top of that. These limits are subject to change year to year. 1
The IRS sets annual contribution limits for HSAs. In 2023, individuals may contribute up to $3,850, and families may contribute up to $7,750. If you are 55 or older, you may add another $1,000 on top of that. These limits are subject to change year to year. 1
An HSA can be an interest-bearing health account used for qualifying medical expenses, with the IRS's maximum contribution limits set annually. The HSA can only be used with a qualifying high-deductible health plan (HDHP), traditionally known for lower premiums and high-deductibles. A qualifying HDHP has a minimum deductible and out-of-pocket maximum that is set annually by the IRS.
You’re eligible if you’re covered by a qualifying High-Deductible Health Plan (HDHP). The HDHP is your only health insurance coverage. Meaning, you don’t have supplemental coverage from a spouse or other family member (dental and vision is fine). You don’t have or use a General Purpose FSA (Flexible Spending Account). But, you are allowed to have a Limited Purpose FSA for dental, vision, or a Dependent Care FSA. Note: You can have an existing HSA and open an FSA. Your HSA funds will remain, but you cannot continue contributing to the health savings account. No one else can claim you as a dependent on their tax return. You’re between the ages of 18 and 65 and not enrolled in or eligible for Medicare (Part A and Part B) or Medicaid. Read more on the health plan and personal requirements for HSA-eligibility .
Online & Mobile Banking 3
Any type of transaction (digital, debit card, ATM, in-branch, etc.) can trigger a real-time alert. For debit card transactions, real-time alerts apply for Centier Consumer Debit and Business Debit cards only. They do not apply for HELOC cards.
Low Balance, Debit, or Deposit alerts can all be configured to be sent in real time.
Once logged into digital banking, click on an account. In the header where your balance is displayed, click on the download button (down arrow). Under “Download Format” choose Quicken or Quickbooks, then select your date range and click the download button.
Once you are logged into Quicken/Quickbooks, you will need to link your Centier Accounts. Go to add Account(+), and search for Centier. Once you locate Centier Bank, you will enter your Centier Digital Banking Login credentials. Follow the prompts and the accounts you select will populate within Quicken/Quickbooks.
With our watch app, you can view balances and transaction history, find locations, and receive notifications.
Make sure the Centier mobile app is downloaded on your mobile device (phone). The watch app should automatically sync to your phone. If it does not, you will need to go to the "Watch" app on the phone, click on "Centier" in the list, then toggle on "Show App on Watch".
Make sure the Centier mobile app is downloaded on your mobile device (phone). The watch app should automatically sync to your phone. If it does not, you will need to go to the "Watch" app on the phone, click on "Centier" in the list, then toggle on "Show App on Apple Watch".
We now offer the following types of alerts: Custom Account Alerts, Business Banking Alerts, Bill Pay Alerts, Security Alerts, Card Alerts, and Money Management Alerts.
Some of our alerts are designed to run on a schedule, other alerts are real-time based on activity.
No, you only have access to your cards issued in your name.
Simply text STOP to 662265.
Click on "Manage Profile" under your name on the left of the navigation and select "Phone." Next, select the "Phone Number" that you wish to utilize for Text Banking (to set up device, see "How do I set up Text Banking" FAQ). Under "Edit Device," click "SMS Text Banking." Click the link "Get Help and view all available commands here." The list of Text Banking commands will pop up.
Click on "Manage Profile" under your name on the left of the navigation and select "Phone." Next, "Add new mobile device" or select your phone number from the list and click "Enroll This Device." Next, give this device a "Nickname," and under "Select Your Device" choose from the Android, Apple, Windows or BlackBerry logos, next to "Can your device receive a text message?" click the circle to turn it green, then click "Add Device." A message will appear that you have finished the enrollment process, to continue setting up Text Banking click "View New Device." Here, it may state the phone is "Not Verified." If so, click "SMS," then you will receive a text message, add this code into "Verification Code" and then "Verify Device." Here the "Edit Device" screen will pop up to let you know your phone has been verified. Now you can set up Text Banking options under "SMS Text Banking." These options default to off. Here click the "Off" button and you will be asked to confirm "Turn on SMS Text Banking?" Click "Turn On." For further options, click the small arrow next to the "On/Off" button to turn Text Banking on/off for your specific accounts.
Mobile deposits will reflect in your account sooner than before. Deposits will be uploaded multiple times a day: In the morning, afternoon and evening each business day (not including weekends or holidays.
Yes, you will be able to add multiple checks to a mobile deposit by clicking on the "+Add Additional Check" option.
If the receiver does not accept the person-to-person (P2P) funds after three (3) business days, the transaction is cancelled. You will need to repeat the payment process.
At this time you may not request funds from another person. This is an enhancement we have planned for a future release.
To send a P2P payment, click on "New Transaction" under "Move Money". Only checking accounts can be set up as the from account. NO SAVINGS accounts. To learn about P2P transfers on a mobile device Click Here for online/desktop Click Here
Real-time person-to-person (P2P) payments transfer within minutes.
Bill Pay can be found under the "Move Money" tab on the left side of the navigation.
When you schedule a payment using Bill Pay, it will come out of the account at the end of that business day, assuming it was in before 3pm CT. If you set the payment up on a weekend or holiday, it will not come out of your account until the end of the next business day.
Within digital banking, click on the "Support Center" tab on the left side of the navigation. Click on "Choose a Form to Submit" then select the "Change of Address" form.
Yes, you can still email us. However, we would prefer you send a secure message. Simply click on the "Support Center" tab on the left side of the navigation. Under "Contact Support" click on "New Request".
You can find your account number and routing number by signing in to Digital Banking and clicking on the account you wish to view. Mobile Banking: Click on the "Details" tab at the top of the screen to view your account and routing numbers. Online Banking: View your account and routing numbers under "Balance Information" to the far right.
Once you locate the transaction in your account history, simply click on the transaction. You will then see details of that transaction, including images.
You can complete a Stop Pay by signing in to digital banking and clicking on the account that needs a stop pay. Mobile Banking: Click on the "Services" tab at the top of the screen, then click on "Stop Payment". Online Banking: On the lower right of the screen, under "Account Services", click on "Stop Payment". Then complete the form for a check or ACH stop pay.
Once you locate the transaction in your account history, simply click on the transaction. Then click on "+ Attach Image(s)". Through the mobile banking app you can take a picture of the receipt. You can also upload a image from your mobile device or computer.
Sign in to digital banking. Under "Manage Profile", click on "Phone". From this screen, you can verify your phone numbers or add a new one. Some phone numbers displaying on the screen may have been provided when opening past accounts. If you want to remove a phone number and are unable to do so, please contact our 1-888-236-8437, or visit a branch location here.
Sign in to digital banking. Under "Manage Profile", click on "Email". From this screen you can verify your email address or add a new one. Some email addresses displaying on the screen may have been provided when opening past accounts. If you want to remove an email address and are unable to do so, please contact our 1-888-236-8437, or visit a branch location here.
Sign in to digital banking. Under "Manage Profile" you will see many options, click on "Reorder Accounts". Once your accounts display, click on the icon to the right of the account number. Then simply drag up or down.
Sign in to digital banking. Under "Manage Profile" you will see many options, click on "Rename Accounts". Once your accounts display, simply click on the name to edit.
Within digital banking, click on the "Support Center" tab on the left side of the navigation. From there, you can call, chat, or send us a secure message.
FDIC insured through Centier Bank, for so long as funds remain uninvested and on deposit with Centier Bank. Centier Bank Health Savings Accounts, powered by Lively are provided by Lively Inc. and are subject to their approval. Lively Inc. is not affiliated
with Centier Bank.
¹Contributions to and earnings on HSAs are not subject to federal taxes but may be subject to state taxes depending on where you reside. Centier Bank does not provide tax or legal advice. Seek the advice of your own tax and legal professionals to ensure your compliance with applicable HSA and other laws. Investment options are provided by Charles Schwab and Devenir; fees may apply.
²Investments are: NOT FDIC INSURED – NOT BANK GUARANTEED – NOT A DEPOSIT – MAY LOSE VALUE.
³Click here to read our Digital Banking Terms and Conditions. Centier does not charge a fee for Mobile Banking.
However, you must have a mobile phone and a wireless data plan to use this service. You may be subject to charges by your mobile carrier. Centier Mobile Banking applications support Apple®, Android®, and Amazon® mobile operating systems.
Mobile Check Deposit is a feature of Centier Mobile Banking. Use of the Mobile Check Deposit feature requires a supported camera-equipped device and you must download the Centier Mobile Banking App. To use Mobile Check Deposit you must have a Centier
Bank account(s) in good standing.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. Lively HSA Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc.