• ATM / Debit Card
  • SHAZAM Locator
  • How Different ATMs Work With Your Card
  • How Logos Identify Use
  • The Difference Between ATM, Debit and Credit Cards
  • ATM Safety Information
  • Taking Care of Your Card
  • Definitions of ATM-Related Terms
• Overdraft Protection
• 24-Hour Phone Banking
  • Touch-Tone Teller
• The Extra's
• VISA & MasterCard Applications

Shazam Locator

Central Bank participates with SHAZAM, a regional ATM network for our customers ease and convenience. In Tennessee alone, there are over 100 non-surcharge locations and over 3,000 nationwide. Click on the SHAZAM LOCATOR and find the location of a SHAZAM ATM near you.

SHAZAM Locator

How Different ATMs Work With Your Card

• SHAZAM ATMs. Your SHAZAM ATM or debit card can be used at any ATM that features the SHAZAM logo. You search for a SHAZAM ATM in a specific area using the SHAZAM ATM in a specific area using the SHAZAM ATM Locator.
   
• Non-SHAZAM ATMs. When an ATM does not feature the SHAZAM logo, look for the logo of one of the two international ATM networks: Cirrus or Plus. Your card should display, in addition, to the SHAZAM logo, one of the international network logos. Your card can be used at non-SHAZAM ATMs when the international network logo on the ATM matches the Cirrus or Plus logo on your card.

How Logos Identify Use

The key to finding an ATM or merchant that will accept your card is to match the logos on your card to the ATM or merchant location you wish to use. Logos are displayed on the ATM or merchant location you wish to use. Logos are displayed on the ATM or at the checkout or point of sales (POS):

• ATM cards. Most ATM cards have two logos or marks on them. They will usually have a regional logo (such as SHAZAM), and an international ATM logo (such as Cirrus or Plus).
• Debit cards. Most debit cards have three logos or marks on them. In addition to the regional and international ATM logos, they have either a Visa or MasterCard logo.

The Difference Between ATM, Debit, and Credit Cards

ATM Cards

• The Way they work. The money is electronically withdrawn from (or deposited to) your account when a withdrawal (or deposit) is made.
• At ATMs. Use at ATMs to withdraw cash, inquire on balances, transfer funds and make deposits (when available).
• At stores. Use at stores that accept a PIN to make a purchase.

Debit Cards

• The way they work. The money is electronically withdrawn from your account when a purchase or ATM withdrawal is made.
• At ATMs. Use at ATMs to withdraw cash, inquire on balances, transfer funds, and make deposits (when available).
• At stores. Use at stores that either accept a PIN to make a purchase or accept Debit MasterCard or Visa Debit.
• Over the telephone or Internet. Over the telephone or internet. Use with telephone or internet merchants that accept the MasterCard or Visa Debit.

Credit Cards

• The way they work. Allows you to charge or get cash advances for any amount up to the established credit limit of your account.
• At ATMs. When your credit account allows, you can use your credit card at ATMs along with the PIN provided for your credit card.
• At stores. Use at stores that accept transactions for the specific credit card. A signature will be required if the purchase is made in person. Other information may be required if you are not at the merchant location.
• Over the telephone or internet. Use with telephone or internet merchants that accept the specific credit card.

ATM Safety Information

Approaching The ATM

• Avoid facilities in dark or remote places.
• If you see people lurking around the ATM or see any other situation that makes you uncomfortable, find a different machine.
• Take another person with you, whenever possible.
• Have your card ready.
• Keep your doors locked and all passenger windows closed at a drive-up facility.

Using the ATM

• Block the view of others by cupping your hand over the keypad as you enter your PIN and standing between the terminal and any other person who is waiting.
• Remove your cash, receipt, and card after every transaction.
• Pocket cash immediately when you make a withdrawal.

Preventing Fraud

• Memorize your PIN. Do not write it on your card or anything you carry near your card.
• Don’t tell anyone your PIN or account number.
• Don’t loan anyone your card.
• Report lost of stolen cards immediately. You can be liable for activity on your card if you do not report it as lost or stolen.
• Never give your PIN over the phone, especially cellular phones.

Taking Care of Your Card

• Do not expose the magnetic stripe to other magnetic objects, which can deactivate your card.
• Record and file the name and phone numbers of your card’s issuer for reporting loss or theft.

Definitions of ATM-Related Terms

• ATM (automated teller machine). A machine used for financial services, including account withdrawals and deposits, balance inquiries, transfers, and other services. Customers access an ATM by using an ATM card, debit card, credit card, or EBT card together with their PIN.
   
• Debit Card. A card used to directly access a checking account by using an ATM or to make purchases through a merchant that accepts Visa Debit or Debit MasterCard.
   
  Debit cards can also be used to make purchases from a merchant with an authorized signature instead of a PIN, when the merchant is a Visa Debit or Debit MasterCard point-of-sale location.
   
• EBT (electronic benefits transfer). The electronic payment of public benefits, such as welfare or food stamps, to recipients. Funds may be accessed by recipients using an EBT card and PIN as designated ATM and point-of-sale locations.
   
• PIN (personal identification number). An identification code used by the customer to authorize ATM, debit, or EBT card transactions. The unique identification code may be pre-assigned by the financial institution or selected by the customer.
   
• Point-of-sale (POS) network. The capability of stores to provide consumers the option of using their credit, debit, ATM, or EBT card to make purchases. Some point-of-sale systems require use of a PIN. Others require a customer’s signature.

At Central Bank we are pleased to offer our Personal Checking account customers a special overdraft privilege called ‘Bounce Protection’. It’s there…. just in case you need it.

As always, we encourage our customers to manage their finances responsibly. However, as long as a customer maintains their checking account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days), Bounce Protection overdraft privilege may:

• Provide our customers with a safety net of $400 up to $ 800 depending on whether one has a free checking account <$400>, a Now account <$800>, or a Money Market Account <$800> including non-sufficient funds (NSF) fees of $20 (per item) that may protect you if you overdraw your account.
• Save our customers the unnecessary embarrassment (and additional charges) associated with having a check returned to a merchant.

Bounce Protection overdraft privilege is a non-contractual courtesy for our customers and doesn’t require any action on their part. As a Central Bank personal checking account customer, one doesn’t have to sign anything and there are no fees other than the normal NSF fee for each item overdrawn. As in the past, we will continue to notify our customers when an overdraft occurs. Central Bank customers should not consider and use the Bounce Protection as a line of credit or as a regular source of funds. It is an account service for which our customers are charged our standard NSF fees.

Central Bank’s Bounce Protection overdraft privilege limits are available to our personal checking customers by them writing a check or making debit card or ATM transactions. This service is not a line of credit. The customers’ limits may be reflected in their balance at the ATM or through our 24 Hour Touch-Tone Teller. However, it will be reflected in the customers’ available balance through NetTeller Online Banking.

To learn more about Central Bank’s Overdraft Privilege for Checking and to obtain a copy of the Bounce Protection Customer Overdraft Policy, simply click on below print request:

Print Bounce Protection Brochure with Customer Overdraft Policy

Or contact a Central Bank Customer Service Representative at 731-925-9046 or visit us in person for additional information concerning Central Bank’s Overdraft Policy and Procedures.

"Bounce Protection… just think of it as a safety net for your checking account. It’s nice to know you have it……just in case you need it!"

Touch Tone Teller - (731) 925-1404

At Central Bank we know it’s not always convenient for you to get to the bank or call us during banking hours …. “Touch-Tone” lets you access your accounts from your home, office or anywhere there is a Touch-Tone telephone (even with your cell phone).

By calling (731) 925-1404, you can check your account balance, see if checks have cleared, received information regarding deposits or withdrawals, make loan payments and much more! You can even transfer funds between accounts and get the same-day credit until 4 PM daily, excluding holidays and weekends.

"TOUCH –TONE Teller” is a complimentary telephone service of Central Bank that provides you 24 hour access to your account. "TOUCH-TELLER Teller” is Free to our customers.

"TOUCH-TONE Teller” gives you immediate access to:

• Checking or Money Market account balances, previous transactions, deposit information, specific check information, interest earned and ATM and automated transactions.
• Savings account balances, previous account transactions, deposit information and interest earned.
• Loans with payoff information, account balance, last payment amount and interest paid.
• Certificates of Deposit with account balance, maturity date, last and next interest payment date and interest earned.
• Transfer Funds between checking, savings and even make loan payments.

TO USE “TOUCH-TONE Teller”:

• Make sure you have your account number (s) handy and have your Personal Identification Number (PIN) available. (The first time you call, your PIN will be your social security number. You will then be instructed to change your PIN to a 4 digit number that only you know).
   
  1. Call (731) 925-1404 from any touch-tone phone including cell phones.
  2. Wait for the greeting, then follow the simple instructions given to you over the phone. You will be offered a series of main menu selections from which to choose. To access these selections, press the corresponding number (s) on your telephone.

For your protection do not write your PIN number on your ID card. Keep your card in a convenient place for quick reference.

For further information you may want to talk with us in person or you may contact a Customer Service Representative at (731) 925-9046.

Contact your Central Bank Customer Service Representative for either a Prime Advantage Visa or MasterCard application. There is No Annual Fee. Show your Prime Advantage Everywhere you Go!