Frequently Asked Questions
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.
This information is available in the account details section which can be found by clicking into the account in the Centier app.
The Routing Number and Institution Name for your Billinero account is 071920889 / Centier Bank
You have the chance to win money by simply making a qualifying deposit, which is any deposit of at least $25. You can earn up to 36 entries a month.
When you make a qualifying deposit, each increment of $25 will earn you one entry towards the monthly $1,000 prize drawing. For every three monthly entries earned within a month, you will earn one quarterly entry towards the quarterly $1,000 prize drawing.*
You can deposit money into your Billinero savings account by mobile check deposits, account to account transfers or by visiting a Centier branch.
Please be aware that in some scenarios, it may take 2-5 business days for funds being transferred from external accounts to arrive in your Billinero savings account.
Developing new products, hiring employees, acquisition, entering new markets — these activities require significant capital. Unless you’ve routinely set aside excess profits for such ventures, you may need to rely on outside financing sources like equity investors and/or lenders to fund your growth plans.
Growing a company is a time-consuming undertaking. It may introduce unwanted changes to your life, such as more stress and less leisure time. Moreover, growth isn’t guaranteed, and you may find yourself spending more without realizing a positive return on investment.
Scaling a business can expand your customer reach and, consequently, increase sales and pad your bottom line. This growth could enable you to continue expanding, reward employees for their contributions, and/or increase your personal profits. Depending on your industry, you may even attract investors or set yourself up for an exit.
Employing a finance professional can help you navigate early operational challenges as well as keep records neat and tidy. That said, small businesses (or even startups with large scale ambitions) don't need to hire a CFO right away — a bookkeeper suffices for most initial financial responsibilities, like handling A/R and A/P. Consider hiring a bookkeeper, part-time or full-time, while you get your business off the ground and build a customer base.
The ideal level of debt varies from company to company — one may need extensive inventory financing while another solely requires an active line of credit for occasional office expenses. The majority of small businesses tend to carry less than $100,000 in debt on their books, however, it’s not unreasonable for growing businesses to borrow $250,000 or even $1 million as they expand operations.
Borrowing is common among all businesses, big and small, especially from traditional financial institutions like banks. According to the Small Business Credit Survey, nearly three in four firms had outstanding debt in 2021. Moreover, 90% of firms entrusted either a small or large bank with their financial needs.
Generally, businesses use financing to meet operating expenses and facilitate expansion as well as to acquire, replace, or repair assets. For example, credit cards can help with small expenses, such as office supplies or travel, while equipment financing can facilitate the purchase of key assets, like company vehicles.Not sure where to start? Centier can help you determine the right products for your business — speak with a small business banker.
Even if you aren’t immediately applying for financing, it’s wise to create and follow a plan. Think of your business plan as a roadmap for your company — it requires you to think through initial challenges while simultaneously directing you toward specific milestones and goals.
An Employer Identification Number is a unique nine-digit number administered by the Internal Revenue Service that’s used to identify a business entity1. In many cases, businesses need to have EINs, however, there are situations in which it’s not necessarily required. For instance, if you operate as a sole proprietor, an EIN may be optional2
Business owners should open separate bank accounts for their businesses. For starters, it helps establish your business as a legitimate operation in the eyes of the IRS — versus a hobby. Moreover, distinguishing between your personal and company transactions can prevent unnecessary headaches during tax season1
You will need to contact Autobooks directly to cancel your subscription.
Email: [email protected]
Sending invoices and taking payments is a service that is part of your Mybiz or Mybiz Plus business checking online and mobile banking experience. Each time you accept a payment there is a small percentage transaction fee for each deposit item.
*Once activated, service is free for the first two months and then $10 per month thereafter. There is an additional charge of 3.49% for card-based transactions and 1% for ACH-based transactions. There are no equipment costs or per-item charges.
Sign into your Mybiz or Mybiz Plus business checking account, online or through your mobile device. Click on the “Send Invoices” option on the navigation menu. A welcome screen will appear, where you will be prompted to accept the terms and conditions to continue.
To enroll in Autobooks, we prefer that you have or open a Mybiz or Mybiz Plus Business Checking Account. However, you can use your consumer account to enroll. To get started opening a MyBiz business checking account or to learn more about enrolling in Autobooks, please contact your nearest branch or please visit Centier.com/mybiz for more information.
Sign into your Mybiz or Mybiz Plus business checking online or through your mobile device to access the invoice and payments system. After inputting your business information, you will have access to create and send custom invoices to your customers, take payments, or use your personalized URL to email to customers or to add to your website to receive payments. You can keep track of your payments and invoices all in one place.
For more information about what Autobooks can do for your business Click Here.
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!
When a Centier debit card enrolled in Samsung Pay expires or is replaced due to loss, theft fraud or chip card upgrade, manually remove the existing card and add the new card to the Samsung Pay app.
Open the Samsung Pay app on your eligible mobile device.
Scan in your card information with your devices camera. Secure your account with your fingerprint and a backup PIN.
Samsung Pay will perform a quick validation with Centier before the card is ready to use.
You use your new card overseas the same way as you do here in the United States. With a Centier Debit Card, after inserting your card in the chip enabled terminal, you will be prompted to either enter your PIN or sign for the purchase. After the transaction is complete, remember to take your card.
That depends on the merchant. If the merchant has a chip-enabled terminal, you will insert your card into the terminal. Please follow the prompts displayed on the terminal screen to complete your transaction. If the merchant does not have a chip-enabled terminal, you will swipe your card. If you are in doubt, you can ask the merchant or simply swipe your card.
No. Your chip card provides an additional layer of security at chip-enabled terminals; however, perpetrators continue to look for new opportunities to commit fraud. Centier will continue to provide 24 hour fraud monitoring and, as always, your Centier Visa debit, credit comes with Zero Liability Fraud Protection.
Your card image in Samsung Pay is a digital representation of your physical Centier debit card. The image you see in Samsung Pay may not be an exact copy of your Centier card.
If you replace or update your Samsung mobile device, your Centier debit card(s) enrolled in Samsung Pay will not be automatically transferred to the new device. You will need to set up Samsung Pay again and add your cards to the new device.
If your Samsung Pay device is ever lost or stolen, you can use Samsung Find My Mobile to remotely suspend or delete your Centier debit cards from Samsung Pay, or call Centier using the number found on the back of your card to suspend it for you. You can continue to make purchase using your physical card even when the device account number is suspended for Samsung Pay.
For security purposes, you may be asked to call Centier to verify your Centier debit card when adding it to Samsung Pay.
When using Samsung Pay, it’s easy to select a card other than your default card to make a purchase. After swiping up on your device screen to activate Samsung Pay, you can easily swipe left or right to select a different card before you make a payment.
Samsung Pay is not available on Samsung Gear devices at this time.
The return process will vary by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your Samsung Pay device over the contactless terminal or magnetic stripe card reader and wait for a confirmation message on the payment terminal to let you know the return has been processed. You must use the same Samsung Pay enabled device you used to purchase the item to process the return.
Samsung Pay can be used to make in-store payments at most merchants equipped with both contactless terminals and traditional magnetic stripe card readers.
Samsung Pay is more secure than using a traditional credit or debit card since your card number and identity are not shared with the merchant or transmitted with payment, and your actual card numbers aren’t stored on your device.
You still receive all the protection your Centier debit card currently offers including Visa® Zero Liability fraud protection and debit card on|off available with our Mobile Banking App.
When you are ready to make a purchase just swipe up on your screen and authorize your payment with your fingerprint. Hover your device close to the terminal to pay for your purchase. The payment terminal will display a confirmation message to let you know your purchase was successful.
Yes, Centier Visa® Debit Cards can be added to the following mobile payment systems – Apple Pay, Samsung Pay, and Google Pay.
Samsung Pay will come pre-loaded on new eligible Samsung devices listed above. For clients who already have an eligible Samsung phone, Samsung Pay will become available through a software update on your device.
For a list of compatible devices visit https://www.samsung.com/us/support/owners/app/samsung-pay
Centier clients can now add Centier Visa® Debit Cards to Samsung Pay.
Yes, you can add multiple Centier debit cards to Apple Pay on multiple compatible devices.
The first credit or debit card you add to the Wallet app or the Apple Watch® app will automatically become your default card. This is the card that will appear on your iPhone® or Apple Watch® when you use Apple Pay at a contactless payment reader when checking out. To change your default card, simply open settings and select the Wallet & Apple Pay tab on the iPhone® or the Apple Watch® app tab for Apple Watch® users.
If you replace or update your iPhone® or iPad® paired with your Apple Watch®, your Centier debit card(s) will not be transferred automatically. You will need to set up Apple Pay again and add your cards on the new device.
If your Apple Pay device is ever lost or stolen, you can use Find My iPhone® to easily suspend the device account number, or call Centier bank using the number found on the back of your card to suspend it for you. You can continue to make purchases using your physical card even when the device account number is suspended on Apple Pay.
When a card enrolled in Apple Pay expires, Centier will automatically update your card information within Apple Pay for you.
For any cards replaced due to loss, theft or fraud, you will need to add the card to Apple Pay as if it were new – either using the device camera or by manually adding the card information.
For security purposes, we may ask you to call or visit a Centier location to verify your card when adding it to Apple Pay. This is done to confirm your identity and protect your personal information.
When you hold your iPhone® over a contactless payment terminal to make a purchase, your default card will be displayed at the top of the screen and your other cards will appear stacked at the bottom. If you would like to use a card other than your default card to make the purchase, simply tap on the stack of cards at the bottom of the screen to view your other cards, select the one you would like to pay with and use your fingerprint or passcode to complete the purchase.
When making a purchase using the Apple Watch®, double tapping the small button on the side of the watch will display your default card ready for use. To pay with a card other than your default card, simply swipe up and down to select the card you would like to use and hold your watch face near the terminal to complete your purchase.
Yes, Apple Pay is available on the Apple Watch® and can be used to make purchases in-store at participating merchants. The Apple Watch® cannot be used to make in-app purchases at this time.
Yes, Apple Pay is available on the iPad® and can be used to make purchases within participating mobile apps. The iPad® cannot be used to make in-store purchases at this time.
The return process varies by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your iPhone® or Apple Watch® over the contactless payment terminal and wait for the slight vibration of the device to confirm the refund has been processed. You must use the same Apple Pay enabled device you used to purchase the item to process the return.
Visit the Apple Pay site for a list of participating merchants and mobile apps.
When you enroll your card in Apple Pay, a unique device account number is assigned, encrypted, and stored on a dedicated chip on your iPhone®, iPad®, or Apple Watch®. When you make a purchase, the device account number along with a dynamic, transaction-specific security code is used to process your payment. This means that your actual credit or debit card number is never shared with merchants or transmitted with the payment.
When using Apple Pay on the Apple Watch®, you will be prompted to unlock the device for payments by entering your four digit PIN. Once the watch is placed on your wrist and the PIN is entered, your Apple Watch will remain unlocked for Apple Pay until it is removed from your wrist. You can also enter your four-digit PIN from your paired iPhone® to unlock your Apple Watch via Bluetooth connection once it has been placed on your wrist. The Apple Watch® will automatically lock the Apple Pay feature once it is removed from your wrist, and cannot be used with Apple Pay again until it is placed back on your wrist and unlocked using the four digit PIN.
To make a purchase using the Apple Watch®, unlock the Apple Pay feature by entering your four digit PIN and double tap the small button on the side of the watch twice to display your default credit or debit card. To pay with a card other than your default card, simply swipe up and down to select the desired payment method. To make a payment, hold the watch a few centimeters away from the contactless payment terminal with the display facing towards the reader. A gentle vibration and beep will let you know your purchase was successful.
Your experience with Apple Pay may vary by merchant. If asked to verify the last four digits of your card number when making a purchase, instead provide the last four digits of the device account number. The device account number can be found by selecting the More Information icon while viewing your card in the Apple Watch® app. You may also be asked to provide a signature or debit card PIN to complete your transaction.
When making purchases at a retailer that has a contactless payWave terminal, hold your device over the terminal and accept the charge with your fingerprint or passcode when prompted. A subtle vibration and beep lets you know the purchase was successful.
Your experience with Apple Pay may vary by merchant. If asked to verify the last four digits of your card number when making a purchase, instead provide the last four digits of the device account number. The device account number can be found by selecting the More Information icon while viewing your card in Passbook. You may also be asked to provide a signature or debit card PIN to complete your transaction.
You can also use Apple Pay to make purchases within participating mobile apps. Look for the Apple Pay logo while completing your in-app purchase to use this feature. For more information visit the Apple Support Page.
The image you see in Wallet is not an exact copy of your Centier Visa® Debit card. It's only a digital representation of your card.
Apple Pay is more secure than using a traditional credit or debit card since your card number and identity are not shared with the merchant or transmitted with payment, and your actual card numbers aren’t stored on your device or on Apple servers.
Best of all, you still receive all the protection your Centier debit card currently offers including Visa® Zero Liability fraud protection and debit card on|off available with our Mobile Banking App. Always shop with complete confidence whether you’re using your Centier debit cards in-store, online or on a mobile device.
Use of Apple Pay is free to Centier Visa® Debit cardholders. There could however be charges from your mobile carrier depending on your data plan.
Apple Pay is Apple's mobile payments service compatible with with an iPhone® or Apple Watch®. It is designed so that items can be purchased using your phone instead of swiping a debit card (in-store) or entering your card number (in-app).
Your card image in Google Pay is a digital representation of your physical Centier Debit Card. The image you see in Google Pay may not be an exact copy of your Centier card.
When a Centier debit card enrolled in Google Pay expires or is replaced due to loss, theft fraud or chip card upgrade, manually remove the existing card and add the new card to the Google Pay app.
For security purposes, you may be asked to call Centier to verify your Centier debit card when adding it to Google Pay.
Yes, Google Pay is already installed on supported watches. To see if your device is supported, check if Google Pay is in the list of apps on your watch.
The return process will vary by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your Google Pay device over the contactless payment terminal and wait for a vibration to confirm the return has been processed. You must use the same Google Pay enabled device you used to purchase the item to process the return.
Customers can use Google Pay at most merchant locations equipped with NFC-enabled contactless payment terminals.
Google Pay is more secure than using a traditional credit or debit card since your card number and identity are not shared with the merchant or transmitted with payment, and your actual card numbers aren’t stored on your device.
You still receive all the protection your Centier debit card currently offers including Visa® Zero liability fraud protection and debit card on|off available with our Mobile Banking App.
When making in-store purchases with Google Pay, simply unlock your mobile device using your fingerprint, PIN, pattern or passcode and hold it near the NFC-equipped payment terminal. You do not need to open the Google Pay app to initiate the transaction. The payment will automatically be processed using your default debit or credit card. To pay with a card other that your default card, prior to making a payment you must unlock your mobile device, open the Google Pay app, tap the card you would like to pay to view the card details screen and select the option "Set as default card." This will make the selected card your new default card. When you attempt to make a purchase with Google Pay, you will now be able to complete your purchase using the desired card.
Your experience with Google Pay may vary by merchant. If asked to verify the last four digits of your card number when making a purchase, provide the merchant the last four digits of the device account number. This number can be found by opening the Google Pay app and selecting the desired card to view the detail page. You may also be asked to provide a signature or debit card PIN to complete your transaction.
- Download the Google Pay app on your eligible Android mobile device.
- If you already have a Centier Visa® Debit Card on file in your Google account, you can quickly import it into Google Pay by confirming the security code on the back of your card.
- To add a Centier Visa® Debit Card not in your Google account, enter your card information manually or use the device camera to capture it automatically. Google Pay will perform a validation with Centier before the card is ready to use.
Android phones with the ability to make contactless payments can use Google Pay. Click here to see if your device is eligible.
Yes, Centier Visa® Debit Cards can be added to the following mobile payment systems – Apple Pay, Samsung Pay, and Google Pay.
You can download the Google Pay app for eligible Android devices at https://pay.google.com/about/
Centier clients can now add Centier Visa® Debit Cards to Google Pay.
Yes. For HSA purposes, the high-deductible health plan (HDHP) must limit out-of-pocket expenses. The maximum out-of pocket expenses include money applied to your deductible and your coinsurance for covered charges. These limits do not apply to deductibles and expenses for out-of-network services.
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.
A Centier HSA provides access to personalized investment solutions that provide account holders more control over their investment strategy, including the option to start investing with no minimum balance.2 Learn more about investment options.
Companies are charged a monthly fee based on the number of enrolled employees. There are no other fees for employers.
Employees benefit from an HSA because they can save and spend tax free on eligible medical expenses when paired with a High Deductible Health Insurance Plan. As an employer you may benefit too, by saving on payroll taxes.¹ Learn more about tax benefits.
You can receive Bill Pay for Free and eliminate the $5.95 monthly fee by choosing to receive you monthly bank statements via E-Delivery.
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.
Centier is here to help you in your auto financing journey! Check out these auto calculators below:
We have loans for those too! Our consumer loans cover a wide arrange of vehicles. Apply today!
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.
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 .
An HSA is established by you in much the same way that you establish an IRA with a qualified trustee or custodian.
If you meet the eligibility requirements for an HSA, you, your employer, your family members, and any other person (including non-individuals) may contribute to your HSA. This is true whether you are self-employed or unemployed.
Regular and catch-up HSA contributions can be made at any time for a taxable year up to and including your federal income tax return due date, excluding extensions, for that taxable year. The due date for most taxpayers is April 15.
An HSA is not a "use it or lose it" account. Your funds will not expire if you do not use them within the year. Funds in your HSA rollover into the next calendar year when there is a balance.
Contributions to an HSA are generally fully deductible, the earnings grow tax deferred, and distributions for qualified medical expenses are tax-free. Consult with your tax or legal professional for guidance.
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.