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Checking out just got easier and safer.
Centennial Bank’s VISA® debit card offers the latest contactless technology, making every transaction easier and safer.
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Follow these three simple steps to get started:
- Look - Locate the contactless symbol at local merchants
- Tap - Tap the contactless card on the terminal
- Go - Payments are completed in seconds
- Fast, easy, and secure
- Safer than carrying cash
- More convenient and safer than checks
- Eliminate cost of purchasing checks
- Make purchases anywhere VISA® is accepted
- 24/7 access to funds via ATMs
- Instant issue debit cards available at most locations
- Easily replaced iflost or stolen
Don’t wait for your debit card to arrive in the mail! Centennial Bank can print your card instantly, right at the bank. The card will be provided at account opening and available for both personal and business accounts. If your card is lost or stolen, no worries! Drop by your local branch and instantly pick up a replacement card.1
1Available at most locations. Debit card replacement fees may apply.
Updating payment information for streaming, shopping, and other online services can be time consuming and frustrating. With Card Swap, card information can be updated for popular service providers in one place, at the same time!
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Rewards Star Checking CalculatorDisclaimer
Use this calculator to determine your projected earnings from our Rewards Star Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
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*Qualifications, limits and other requirements may apply. See details for more info.
**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 20.
Buy vs. Lease CalculatorDisclaimer
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
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CD CalculatorDisclaimer
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
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Savings Goal CalculatorDisclaimer
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
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Simple Loan CalculatorDisclaimer
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
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Certificates of Deposit (CD)
Invest confidently knowing you'll receive a guaranteed rate of return with a Centennial Bank CD. We offer a wide range of CD products at competitive market rates. Whether you are looking to invest short-term or long-term, Centennial Bank has the right CD for you. Contact your local branch for current terms and rates.
Club Accounts
| Account | Balance | Interest Rate | APY |
|---|---|---|---|
| Christmas Club | 0 - $5,000 | 1.24% | 1.24% |
| Christmas Club | $5,000+ | 0.50% | 0.50% |
| Vacation Club | 0 - $5,000 | 1.24% | 1.25% |
| Vacation Club | $5,000+ | 0.50% | 0.50% |
Subject to terms and conditions of the bank. There is a minimum $10 deposit to open a club account. Rates effective November 1, 2023
Gold Star Checking Account
| Tier | Minimum Required Opening Deposit to Obtain Interest | Interest Rate | APY |
|---|---|---|---|
| $1,000.00 - $2,499.99 | $1,000.00 | 0.700% | 0.700% |
| $2,500.00+ | $2,500.00 | 0.800% | 0.800% |
Money Market Account
| Tier | Minimum Required Opening Deposit to Obtain Interest | Interest Rate | APY |
|---|---|---|---|
| $2,500.00 - $9,999.99 | $2,500.00 | 0.850% | 0.850% |
| $10,000.00 - $24,999.99 | $10,000.00 | 0.950% | 0.950% |
| $25,000.00 - $49,999.99 | $25,000.00 | 1.090% | 1.100% |
| $50,000.00 - $99,999.99 | $50,000.00 | 1.490% | 1.500% |
| $100,000.00 - $249,999.99 | $100,000.00 | 3.450% | 3.500% |
| $250,000+ | $250,000 | 4.170% | 4.250% |
Rewards Savings*
| Tier | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $25.00 | 0.9955% | 1.00% |
| $25,000+ | $25.00 | 0.5000% | 0.50% |
| Qualifications not met | $25.00 | 0.01% | 0.01% |
Qualifications
Qualifying for your Rewards Star or Rewards Star Cash Back rewards automatically qualifies you for the highest Rewards Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards Star or Rewards Star Cash Back account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
Rewards Star*
| Tier | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 0 - $10,000 | $100.00 | 4.889% | 5.00% |
| $10,000+ | $100.00 | 0.50% | 0.50% |
| Qualifications not met | $100.00 | 0.01% | 0.01% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards Star account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
Savings Account
| Minimum Balance to Open | Interest Rate | APY |
|---|---|---|
| $25.00 | 0.50% | 0.50% |
