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Online Banking

 
NetTeller Online Banking

With Central Bank’s Online Banking service, you can access your account information 24 hours a day, 7 days a week, from the convenience of your home, office, or anywhere you have internet access.

Internet Banking allows customers to ...

  • view balances and account detail of any account you have at the bank
  • view images of your cashed checks online
  • transfer funds between accounts
  • access to detailed history on your accounts including checks cleared, deposits, ATM and Debit card transactions
  • and more

To enroll, stop at either our Savannah or Adamsville location or soon to open Pickwick/Counce facility and talk with our Customer Service Representative. Click here for the enrollment form if you would like to complete it before you come to the bank.
As always, if you have any questions or concerns, please do not hesitate to call us at 731-925-9046.

You will need Adobe Acrobat Reader to print the enrollment form. If you do not have Adobe you can click here to download a free copy of it.

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Bill Payment with NetTeller

Simplify your life, pay your bills on line with Central Bank’s NetTeller.

With NetTeller you pay your bills from your Central Bank checking account(s) without writing a check or buying stamps and you can ...

  • pay bills now, schedule future or recurring payments
  • have complete online access to bill payment history
  • add or delete payees on line
  • obtain confirmation number at the end of each payment transaction as your receipt

Once you pay bills with NetTeller, you’ll never want to write a check again.
We encourage you to read our frequently asked questions before using Bill Payment with NetTeller.
Enroll now ...

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Frequently Asked Questions

Central Bank Online Banking FAQs

Q: What is Online Banking? Is there a fee?
A:

Online Banking is a real-time online system that allows our customers a secure and convenient way to access their Central Bank accounts via the internet. Only commercial customers using Cash Management will be charged fees.

Q: What services are offered through Online Banking?
A:
  1. Unlimited in the numbers and types of accounts to access.
  2. Transfer funds electronically between all checking and savings accounts
  3. Transfer funds electronically between checking/savings and loan accounts allowing for Interest / principal payment distribution.
  4. Statement information on all deposit and loan accounts.
  5. Check imaging statement retrieval with front and back images on all cancelled checks.
  6. Obtain account information on your Checking, Savings, CD’s, Loan, and Safe Deposit Accounts.
  7. Stop Payments on checks drawn on your checking account (stop payment charges may apply).
  8. Bill Payment Option – access the designated account to pay most bills.
Q: Do I have to register to use Online Banking?
A:

Yes. Contact Central Bank’s Customer Service Representative at 925-9046 for details! You will be assigned an initial ID and Pin number.

Q: Who can have Online Banking?
A:

Any Consumer or Sole proprietor can use Online Banking and Bill Payment. Partnerships, Corporations, and governmental institutions need to use our Online Banking Cash Management product. Contact Cash Management Services or Polly Melson at Central Bank (731-925-9046).

Q: What do I need to gain access to Online Banking?
A:

User ID, PIN, and Internet access. The internet access could be at home or work. The browser must have 128-bit encryption.

Q: Is Online Banking Safe? Can Computer hackers threaten the confidentially of the transaction and safety of records?
A:

Online Banking is very safe. We use dedicated file servers and frame relay lines. All data passing over the Internet is encrypted. Your account number is never seen across the Internet. ID numbers and PIN numbers are required for access to the NetTeller system as well as the Bill Payment system.

Q: What kind of browser do I need?
A:

You will need a connection to the Internet and a Web Browser that supports 128-bit SSL encryption. Netscape Navigator 4.5 (or higher) or Microsoft Explorer 5.0 (or higher) both support this type of encryption. Test your Browser at the NetTeller ID and Password sign-on page.

Q: What can I do to keep my information secure?
A:

There are several things you can do to protect your identification and PIN.

  • Do not use an obvious number or other accessible information for your Online Banking ID and Pin.
  • Ensure no one is watching when you enter your Online Banking ID and PIN.
  • Try to memorize tour Online banking ID and PIN rather than writing them down.
  • Do not share your Online banking ID and PIN with others.
  • Report any unusual account activity immediately.
  • Do not give your information to anyone requesting it over the phone unless you have initiated the call.
  • Always log out of the system.
Q: What happens if I forget my PIN?
A:

You are allowed 3 attempts to enter the correct PIN before your account is locked. If you can’t remember your PIN and/or you are locked out of the System, please contact a Central Bank Customer Service Representative at 731-925-9046 during the bank’s regular business hours.

Q: How will I access Online Banking away from home?
A:

You will access Online Banking by entering through the Central Bank website www.centralbanksavannah.com. When you signup for the service, you will receive a User ID and a personal identification number (PIN) that will allow you to access your account information.

Q: Can my spouse and I have the same User ID and PIN?
A:

No. Each individual will be given a separate User ID and PIN. We enroll customers in Central Bank’s Online Banking on their social security number. Some joint account holders have two Central Bank Online IDs: One in each account holder’s name. That way, there aren’t any problems when either of you need assistance. If your spouse is listed as a joint owner on your Central Bank accounts, he or she can’t make any changes to the online ID in your name. If your spouse contacts us for help with your ID or password, we can not give any information to your spouse. You will need to call us to unlock your account, reset your password,etc.

Q: Are there limits on the number of transfers I can make?
A:

Yes, depending on the type of account you have. Some accounts, such as checking accounts, have no limits on the number of transfers a client can make. However, savings accounts, by federal regulation, are allowed no more than six electronic transfers per month.

Q: Can I use Internet Banking if I only have a CD or Loan?
A:

Yes. If you have any account – CD, Loan, Savings, or Checking product - you can get Internet Banking for FREE. You must have a checking account to have Bill Payment.

Q: How can I add or delete an account from Online banking?
A:

The change can be made through a Central Bank Customer Service Representative at 731-925-9046.

Q: How late can I make a Transfer and still have it post to my account that day?
A:

A transfer can be made up to 4:00 P.M. Central Time during any business day for that transaction to post that day. This includes all transfers between deposit and loans. A transfer made after 4:00 P.M. will “memo post”, but will not actually appear until the next business day.


NetTeller Bill Payment FAQ’s

Q: What is NetTeller Bill Payment? Is there a fee?
A:

NetTeller Bill Payment is an Online bill payment system that allows our customers to send an electronic check or check remittance to any business/person within the United States. Any additional fees will be deducted from your checking account the day it is incurred (stop payments, NSF fees, etc.).

Q: When can I start using NetTeller Bill Payment?
A:

Once you have enrolled in Central Bank’s Online Banking and have received your Personalized ID and PIN, you can start paying bills immediately. It is recommended that you pay yourself first to see how the process works and what the checks look like.

Q: How do I know what companies are in my database?
A:

When you are ready to begin paying bills, first click the Add Payee button found in the Payees section of the NetTeller Bill Payment page. Next, you can search the electronic payee database to see if your payee is in the system: if not, your payment will automatically be a check. When adding your payee information, make sure you enter the payment address just as it appears on your bill.

Q: What if the payee I want to pay isn’t in the electronic payment database?
A:

When you do a search for an individual or for a company that isn’t in the electronic database, you will be able to add them on the Add Payee page. If you know the payee will not appear in the database (individuals, smaller local companies, etc), you can add them without searching the database first. These payees will receive a check payment (remember to allow at least five business days for these payments).

Q: How do I know if the payment will be made electronically or by check?
A:

If you search the electronic database and a match appears it means the payee accepts electronic payments. If no match appears, that payee can be set up to receive a check payment. Any payees not found in the database that you add will receive a check and you will need to allow at least five business days for these payments. If you forget which payees receives a check, select Payees from the NetTeller Bill Payment menu for a list of the payees and here you will see the Payee type.

Q: How much time do I need to allow for my payments to be made?
A:

Central Bank recommends a three-(3) business day lead-time for electronic payments and at least five-(5) business day lead time for a check. Some payees do take longer to process payments that arrive without remittance slips: in these situations you should allow more time for your payments to be applied. If this occurs, you should check with those payees to inquire if there is an alternate address to use when a remittance slip is not enclosed.

Q: How does the Quick Payment feature work?
A:

Just click the Quick Payment button and then select the payees you want to pay. Quick Payment lets you pay multiple payees at once without accessing each one individually. This makes paying your bills quicker and even more efficient.

Q: Will the memo field be printed on the check sent to the payee?
A:

Yes. The memo field will be printed on payments remitted by check. The account number that you entered when you added the payee to your Personal Payee List is also printed on the check. This allows the payee to know which account to apply the payment to.

Q: Can I postdate single and/or recurring payments?
A:

Yes. Just set the payment date for any date in the future. Single payments are actually set up in two categories: current and future payments, which allow you to schedule payments in the future or for the current date. If a monthly recurring payment is set up to be paid on the 15th and the current date is November 5th, a payment will be scheduled for the month of November and the 15th of each month until the end date is reached. However, if payment is set up to be paid on the 15th and and the current date is November 16, the first payment will occur on December 15th.

Q: When will the funds be taken out of my checking account?
A:

For check payments: the money will be withdrawn from your account when the payment clears your account – just as if you wrote a check from your checkbook. For electronic payments: the funds will be withdrawn on the payment date.

Q: Can I get a copy of a canceled check?
A:

Yes, you can print a copy of your canceled NetTeller Bill Payment check as well as a check written from your checkbook: log into Central Bank Online Banking and select “transactions” from the activity section at the right of the account summary you wish to view. Click on the check no. of the check you wish to print (check no. will be underlined) and when viewing your check you can right click on your mouse and select Print. Also you can email a copy of your check or save it in a different file or folder.

Q: What happens if I have a scheduled payment that falls on a weekend or a holiday?
A:

Scheduled, recurring payments that fall over a weekend will be processed on the Friday before the payment date. For a payment scheduled to be mailed the 10th of each month and if the 10th falls on a Sunday, the payment will be mailed on Friday. Any new payments submitted over the weekend (recurring or one-time) that are scheduled to be processed that weekend, will be processed on Monday. Holiday processing is done the same way; the scheduled payment is processed the day before the holiday.

Q: How do I know if a merchant is electronic or check?
A:

Once you set up the merchant, you can look at the VIEW PAYEES screen, which includes a field that indicates if the merchant is electronic or check.

Q: How far in advance should I set up a payment to insure it is paid on time?
A:

Check payments should be scheduled at least 5 business days in advance of when you want the payment to be posted at the payee. Electronic payments should be made 3 business days in advance when you want the payment to be posted at the payee.

Q: How long is history retained in the VIEW PAYMENT HISTORY section?
A:

Payment History records are kept for one year.

Q: Is there any minimum and maximum payment amount?
A:

Yes. The minimum payment is $0.01. The maximum amount is $9,999.00.

Q: What does the “status” field indicate on the PAYMENT HISTORY PAGE?
A:

Status Value: Payment Pending
Definition: The payment has been processed, but not yet sent.

Status Value: Payment Processed
Definition: The payment has been processed and sent.

Status Value: Hold
Definition: The payment has a research request on it and has not been processed.

Status Value: Stopped
Definition: You have requested the payment to be stopped. It cannot be processed again.

Q: How late in the day can I add, edit, or delete a payment?
A:

Daily there are two payment-processing times: 2:00 AM and 12:00 PM. For payments that are scheduled in advance, you may add, edit, or delete those scheduled payments until 1:59 AM Central Standard Time (CST) the day the payment process starts.

For example, if you enter the start date of the 15th, you can make changes or cancel the payment until 1:59 AM on the 15th.

If you would like a payment to be sent the same day you are entering it, the information needs to be entered by 12:00 PM CST. For example, if you are entering a payment on the 10th at 10:00 AM CST to be mailed also on the 10th, the payment will be mailed that day. However, if you enter the same payment at 1:00 PM CST on the10th to be mailed that day, the payment will actually be processed at 2:00 AM on the 11th.

Same day payments set up between 12:01 PM and 1:59 AM will be processed at 2:00 AM. Same day payments set up between 2:01 AM and 11:59 AM will be processed at 12:00 PM.

Remember, the payment date is not the date your bill is due, it is the date you want the payment process to start (three business days prior to the due date for electronic payments and at least five business days prior to the due date for check payments).

Q: What happens if I don’t have enough money in my account?
A:

NetTeller Bill Payment items are treated just like any check you write or debit you authorize. Any item that causes your account to be overdrawn will be assessed a $20 per item NSF fee. You will receive an overdraft notice in the mail each time items are paid. Overdrafts above and beyond your established Bounce Protection limit may result in a check or checks being returned to the payee.

 
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Enroll Now

Welcome to Central Bank’s Online Banking

Our NetTeller Online Banking system will allow you to access information on your accounts 24 hours a day, 7days a week. You can check your balances, transfer money between your checking and savings or view your account without leaving the comfort of your home.

At Central Bank, we assure you an easy and enjoyable banking experience, and more time for the things in life that matter most. Let us help you make your world a little easier by enrolling in our Online Banking system.

To enroll, stop at our Savannah, Adamsville, or Pickwick/Counce Locations and talk with our Customer Service Represemtative.

Click here for the enrollment form if you would like to complete it before you come to the bank.

Bring the completed enrollment form to any of our locations to complete the process. This will likely include:

  • Obtaining your signature on necessary account agreements/documents
  • Verification of identification
  • Receipt of appropriate regulatory disclosures, etc.
  • Should you have any questions do not hesitate to contact us or call our Customer Service Representative at 731-925-9046

You will need Adobe Acrobat Reader to print the enrollment form. If you do not have Adobe you can click here to download a free copy of it.

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Cash Management Services

A service designed especially for our commercial customers ...
Commercial Checking account customers with excess cash to invest can utilize a Cash Management account that provides fully automated movement of their funds, offering convenience, liquidity, and enhanced yield.

And what’s more, Central Bank is offering Cash Management services online without a bank online maintenance fee ...

A feature of Cash Management is that all incoming and outgoing sweep activity and balances will appear on your monthly account statement.

Bank 24 hours a day, 7 days a week with Central Bank’s Cash Management services, our internet banking product designed for business customers with features to:

  • See activity for all of your Central Bank accounts immediately following transactions
  • Check real-time balances around the clock
  • View images of of canceled checks
  • Access approximately 90-day transaction history
  • Make transfers and loan payments between your accounts
  • View statements and prior - day activitiy
  • Have option to allow an unlimited number of users with unique access levels to accounts
  • View statements from the last three months
  • Search for specific checks that have cleared
  • Download transactions into your financial software
  • Initiate ACH files

Cash Management provides ACH origination ...
Commercial customers have the ability to send and receive payments (such as payroll, for example) electronically through an automated clearinghouse.

ACH has payroll benefits:

  • Employees will not need to leave work on payday to deposit or cash their paycheck
  • There is just one debit to the business account so at month end, there are no payroll checks to reconcile
  • You will use less check stock and no longer will need to sign the paychecks
  • No longer need to reissue checks or place stop payments on lost payroll checks

ACH has recurring payments benefits ... examples of recurring payments include fitness clubs, property managers, membership dues, church donations, monthly utilities, and more ...

Cash Management includes Wire Transfers ...

Central Bank can process all the incoming or outgoing wire transfers for your business (fees apply).

Cash Management for commercial customers includes ‘Free’ Online Bill Payment ... With NetTeller Bill Payment, commericial customers can pay bills from their Central Bank checking account without writing a check or buying stamps. Simply login to Central Bank online, select your payee, enter the amount you want to pay, the date the payment should be sent, and click submit. That’s it! Even make recurring payments quickly and easily. You can enter your payments in advance and have them paid at any time during the month.

To learn more or apply for Central Bank’s Cash Management services contact Polly Melson, vice president of Operations at Central Bank in Savannah or call her at 731-925-9046. Polly can meet with you ‘one on one’ and can demonstrate to you "How Cash Management services can make your time more productive and save your business money".

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