Managing Accounts with Online Banking
Central Bank is proud to be local, personal and hands-on. Part of that touch means responding to the needs of our customers. That means offering a full featured lineup of Online Banking services for personal and business needs.
Retail Online Banking provides individual and small business customers the tools to manage their accounts conveniently from any location. Business Online Banking delivers additional functionality for customers who require ACH, wire and multi-user security.
Read more about Online Banking, Online Banking Security, Online Statements and Online Bill Pay below.
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Retail Online Banking Benefits
Retail Online Banking allows customers to complete a variety of financial tasks quickly and easily, including:
- Viewing transaction history and account balances
- Transferring funds
- Viewing check images
- Paying bills
- Setting email and text alerts
- Viewing Online Statements
- Downloading account history, including integration with Quicken® and Quickbooks®
Sign up for Online Banking today!
Online Banking Security
Central Bank uses many different methods to help keep our valued customers information secure.
- Secure sockets layer (SSL) not only encrypts the data sent over the Internet, the certificates used for the encryption also help customers identify they are at the correct website
- Usernames, complex passwords and challenge questions identify the person signing in to an online account
- The automatic sign out feature prohibits another person from trying to resume an inactive session
- Business Online Banking customers utilizing ACH and wire functionality secure transactions with a One-Time-Password (OTP) token
- Account numbers are masked for all Online Banking services
Online Statements from Central Bank look just like your paper statements but are delivered to you through your Online Banking account at no charge! Online Statements help reduce the risk of identity theft that can occur when paper statements are mailed or discarded. Online Statements also:
- Simplify financial record keeping
- Arrive sooner than paper statements
- Eliminate paper clutter
How to sign up:
The first time you log in to Online Banking, you will be asked if you would like to enroll for Online Statements. If you’re already an Online Banking user, click “Options” from the top menu, scroll to “e-Statement Enrollment” and click “Enroll”. Simply answer a few questions and you’re set! You will receive an email notification when your statement is available.
Accessing your Online Statements
Accessing your Central Bank Online Statements is easy! Log in to your Online Banking account and direct your cursor over “Accounts” until a dropdown menu appears. Then move to the appropriate account in the menu and wait for another menu to appear. From that menu, click “Documents”. Search by date, click “Submit” and your “Available Documents” will appear.
Online Bill Pay
Online Bill Pay is an additional service offered through Retail Online Banking. Adding this convenient option allows customers to securely and conveniently schedule almost any payment without the hassle of checks, envelopes or stamps.
Central Bank is so confident payments sent through Bill Pay will arrive on time, this service comes with a payment guarantee. If a customer schedules their payment according to the terms and conditions of the service, and the payment arrives late, any late charges (up to $50) will be covered.
Hundreds of companies nationwide also allow customers to receive e-bills through Central Bank’s Online Bill Pay service. E-bills are just like the paper version but allow customers to be more environmentally friendly and keep all payment information in one place. Payments for e-bills can even be scheduled before the bill arrives.
Customers can add Online Bill Pay to their Retail Online Banking account by calling a Personal Banker or by sending a message through the Bank Mail in Online Banking stating they would like to be enrolled.
Online Banking FAQs
Q: How do I access my Online Statements?
A: Customers can view Online Statements through Retail Online Banking by selecting an account and then clicking the Documents option at the top of the page. A new window will open where customers can search for Online Statements by account and date range.
Q: How can spending report items be categorized?
A: Transaction categories can be individually modified by viewing the History for an account, clicking the edit button and then choosing a suitable classification from the drop down list.
Q: How can customers enroll for Online Bill Pay?
A: Customers must first notify the Bank they would like to be enrolled, which will activate the capability through Retail Online Banking. Once the service is available, customers can return to their Online Banking account, select the account they would like enrolled and then click the Online Bill Pay option at the top of the screen.
Q: How can accounts be added or changed for Online Bill Pay?
A: Please contact a Personal Banker to add or remove Bill Pay accounts.
Q: Where can a customer find the Online Bill Pay option?
A: Once enrolled, customers can access Online Bill Pay on the home screen of Retail Online Banking by selecting Advanced Bill Payment Options.
Q: What is the difference between current statement, previous statement and recent transactions?
A: The current statement view is a listing of all transactions applicable to the current bank statement cycle. The previous statement view is a listing of all transactions for last month's bank statement. The recent transactions view is a list of transactions in the last three days.
Q: Does Retail Online Banking integrate with Quicken® and Quickbooks®?
A: Retail Online Banking does integrate with Quicken® and Quickbooks® through both file downloads and the Web Connect feature. The file download option can be found on the History screen of Online Banking.
Q: What is the difference between New Scheduled Transfer and Express Transfer?
A: Both transfer methods work the same, allowing customers to transfer money between accounts and make loan payments. The Transfers and Payments widget and the Express Transfer option are for quick access. The New Schedule Transfer option allows customers to set up a scheduled transfer or loan payment with more granular options including recurring transactions.
Q: How can an online transfer be verified?
A: Transferring funds through Retail Online Banking is a three-step process. The first step is selecting the accounts and dollar amount. The Preview Transfer page and the Confirmation page will follow. Clicking OK on the Confirmation page will complete the transfer. After completing the transaction, the balance of both the to and from accounts can be used to confirm a successful transfer.
Q: Will Retail Online Banking work on tablets?
A: Central Bank cannot confirm the compatibility of Retail Online Banking with all tablets computers. The vendor Central Bank works with for this service has verified extended functionality by the third quarter of 2015.