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Welcome to Central Bank!

MetaBank community banks are now Central Bank. Together, we are working diligently to ensure you have a smooth and successful transition to Central Bank

In April 2020, MetaBank community bank accounts were integrated into Central Bank’s system. The conversion started at 5:30 pm on Friday, April 24, 2020 and concluded at 8:00 am on Monday, April 27, 2020.

Conversion Overview for your Personal Accounts

Click here for details regarding the conversion of your business accounts.

Account Number

Your account number, benefits and maintenance fees will remain the same.

Routing Number

Image of Routing Number Transition GuideOn April 27, 2020, the routing number associated with your accounts will change to Central Bank’s routing number, 073903503. The direct deposits and automatic payments linked to your account will need to be updated to reflect the new number. We will send notice of the routing number change to those originators for 90 days following the conversion. However, we encourage you to contact them, as well, to ensure a smooth transition of your accounts. We’ve included a Routing Number Transition Form & Checklist to guide you through the process. Visit your local Central Bank drive-up to pick up additional copies.

Checks

During the week of April 13, 2020, you will receive a complimentary starter supply of checks with Central Bank’s routing number. The supply will include details on how to order a free full supply of personal checks.

Please discontinue using your MetaBank checks on Friday, April 24 and begin using your new Central Bank checks on Saturday, April 25. Checks with the MetaBank routing number will continue to post to your account for 60 days following the conversion. After the 60 days (Saturday, June 27, 2020), the checks with be invalid and returned.

Debit Card

Continue to use your existing MetaBank debit card as usual. During the conversion weekend, the following restrictions will apply:

  • PIN-based transactions should work as usual
  • Signature-based transactions may not be accepted at some locations; this may impact online purchases
  • Daily ATM cash withdrawal limit: $500 or the current balance of your account, whichever is less
  • Daily PIN-based transaction limit: $500 or the current balance of your account, whichever is less

Your transaction capabilities and daily limits will resume as normal after the conversion concludes at 8:00 am on Monday, April 27.

In the weeks following the conversion, we will reissue you a Central Bank debit card.

Statements

After 5:30 pm on Friday, April 24, MetaBank will issue and mail you paper statements for your accounts. Your normal statement cycle and delivery method will resume after 8:00 am on Monday, April 27.

Online Banking

Screenshot of Online Banking LoginAfter 5:30 pm on Friday, April 24, access to your accounts through Online Banking at metabank.com will be limited to view-only mode and show $0.00 as your balance while your accounts transition over the weekend. Beginning at 8:00 am on Monday, April 27, you will have full access to your accounts through Online Banking at centralbankonline.com.

To login, visit centralbankonline.com, click “Online Banking” from the right side of the green navigation menu, choose “Personal/Small Business” from the dropdown menu, enter your current username and password then click “Login”.

Security Challenge Questions

When you log into Online Banking at centralbankonline.com for the first time, you will be prompted to set up security challenge questions. You can review and update your questions and answers anytime by logging into your Online Banking account, click “Profile” from the upper right hand corner of your Online Banking dashboard then click the “Edit” icon next to “Challenge Questions”.

Online Statements, Check and Deposit Images

Online Statements, check and deposit images posted to your Online Banking account at metabank.com prior to Friday, April 24 won’t be available to view until a later date, likely late summer or early fall. Please download any history, statements or check images you may need in the meantime from your Online Banking account at metabank.com before 5:30 pm on Friday, April 24.

Recurring Transfers

Recurring transfers set up in your Online Banking account at metabank.com will transition to your Online Banking account at centralbankonline.com.

Bill Pay

Your Bill Pay payees, history, scheduled payments and eBills will transfer automatically.

Bank-to-Bank Transfers

Bank-to-Bank Transfers will discontinue after 5:30 pm on Friday, April 24. Central Bank is currently adding the service to our Online Banking suite and anticipate it going live within the next few weeks. Once it’s available in your Online Banking account at centralbankonline.com, you will need to reestablish your transfers. Thank you for your patience!

Quicken and QuickBooks

If you use Quicken or QuickBooks, please update your bank information within the software program following the conversion.

Mobile Banking

After 5:30 pm on Friday, April 24, you will no longer have access to your accounts or Mobile Deposit through the MetaBank Mobile Banking app. Beginning at 8:00 am on Monday, April 27, you can download the Central Bank Mobile Banking app from your app store and log into the app using your current Online Banking username and password.

Mobile Deposit

If you actively use Mobile Deposit, the service will transfer to your Central Bank Mobile Banking app. When making deposits, the text “For Central Bank Mobile Deposit” is required with your endorsement on the back of the check. If you’re not enrolled in Mobile Deposit and would like to sign up, call your local Central Bank to get started.

Personal Loans & Lines of Credit

If you currently have a loan or line of credit, it will convert to Central Bank’s system on Monday, April 27. Your current rates and terms will remain in effect until maturity.

Certificates of Deposit and IRAs

Your Certificate of Deposits (CD) and/or Individual Retirement Account (IRA) will convert to Central Bank’s system on Monday, April 27. Your current interest rate will continue until maturity.

FDIC Insurance

Your deposit accounts are protected to the maximum limits provided by FDIC insurance.

Safe Deposit Boxes

If you have a safe deposit box, it will convert to Central Bank’s system and remain available to you in its existing location. Billing notices are mailed annually 14 days prior to the due date.

Overdraft Protection Services

If you currently use Ready Reserve or a credit line for overdraft protection, your coverage will automatically convert.

Telephone Banking

MetaBank’s telephone banking service will end at 5:30 pm on Friday, April 24. Beginning at 8:00 am on Monday, April 27, you can access your accounts using Central Bank’s Bankline 24/7 service by calling (712) 732-2191 or (866) 732-2191.

Thank you for your loyalty and continued business!

 

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You are leaving the Central Bank website. We are not endorsing or guaranteeing the products, information or recommendations provided by the organizations linked to our website. We are not liable for any failure of products or services advertised on those sites. We are not responsible for the validity, collection, use or security of information by organizations that may be linked to our website. We encourage you to read the privacy policies of websites reached through the use of links from the Central Bank website.

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