FAQsAshley Reinhard2022-11-21T10:22:37-05:00


Century Savings Bank has grouped questions into several categories to make finding your answer simple.

Our Bank

  • Bank Information
  • General Account Information

Account Types

  • Checking Accounts
  • Certificates of Deposit
  • Individual Retirement Accounts (IRAs)
  • Loans


  • Debit Mastercard®
  • eStatements
  • Bill Payment
  • Multi-Factor Authentication

Online & Mobile Accounts

  • Online Banking
  • Mobile Banking
  • Mobile Deposit
  • Apple Pay™/Google Pay™

Our Bank

Where can I find the closest Century Savings Bank branch and hours of operation?Ashley Reinhard2022-09-02T17:00:11-04:00

Use our convenient ATM/Branch Locator tool to locate a branch, to find address, phone and hours information and to obtain directions.

On what holidays is the bank closed?Ashley Reinhard2023-01-04T09:31:39-05:00

The Bank observes all Federal Reserve holidays.

Account Types

How do I order/reorder checks for my checking account?Ashley Reinhard2022-09-02T17:13:10-04:00

Your initial order of checks can be completed at the time of account opening through the Bank’s preferred check vendor or you may opt to order checks on your own from an outside vendor. Check reorders for the Bank’s preferred vendor can be placed directly online through the vendor’s website , within online banking, or by dropping off/mailing in a reorder form to your local Branch office.

How can I place a stop payment on a check?Ashley Reinhard2022-10-14T09:09:33-04:00

There are two ways you can place a stop payment on a check.  You can log into online/mobile banking and go to Banking Services>Stop Payment on a Check.  Alternately, you can call or visit your local office to place a stop payment, and within 14 days, you must sign the stop payment form for the stop to remain valid. There is a fee to place a stop payment.

How can I place a stop payment on an ACH payment?Ashley Reinhard2022-09-02T17:15:22-04:00

You can call or visit your local office to place a stop payment, and within 14 days, you must sign the stop payment form for the stop to remain valid. Prior to placing a stop payment on a recurring charge, you must provide a written revocation of the authority to debit your account electronically to the merchant. The Bank requires a copy of this written revocation. There is a fee to place a stop payment.

Do my accounts have Overdraft Protection?Ashley Reinhard2022-11-14T13:40:35-05:00

Century Savings Bank offers Overdraft Protection Transfer from another qualified deposit account at Century to cover overdrafts.  Visit your local branch to sign up.

Do you offer combined statements?Ashley Reinhard2022-11-14T13:41:58-05:00

Yes, we are able to combine multiple statement accounts sharing the same Tax Id #.

Is there a penalty if I withdraw from my certificate of deposit before it matures?Ashley Reinhard2022-09-06T09:19:19-04:00

Yes, there is a penalty depending upon the term. Refer to the certificate Terms and Conditions for more details.

Can I make a deposit to my certificate of deposit?Ashley Reinhard2022-09-06T09:19:38-04:00

A deposit can be made at renewal (during the 10-day grace period).

Can I withdraw interest from my certificate of deposit account?Ashley Reinhard2022-09-06T09:20:09-04:00

Yes, if you have selected to have interest added back to the certificate, you can withdraw interest that has been earned (posted) at any time. All withdrawals must be completed at a branch location.

Can I have my interest transferred to another Century account?Ashley Reinhard2022-09-06T09:20:34-04:00

Yes, you can arrange to have your interest automatically transferred from your Certificate of Deposit into your checking or savings account.

Where do I mail my loan payments?Ashley Reinhard2022-09-06T09:30:03-04:00

You may mail all loan payments to our Sherman Avenue office location, ATTN: Lending Department.

How do I get checks for my Home Equity Line-of-Credit account?Ashley Reinhard2022-09-06T09:30:28-04:00

You may call our Lending Department at 856-690-9105 or contact your local branch.

Who do I contact for my loan balance and/or loan payoff?Ashley Reinhard2022-09-06T09:30:43-04:00

You can access current loan balances via our Online Banking and Automated Teller systems, as well as by calling our Lending Department. However, you must call our Lending Department at 856-690-9105 to request a payoff amount, as these figures are not available within Online Banking or through our Automated Teller system.

Where can I pick up and/or submit a loan application?Ashley Reinhard2022-09-06T09:31:19-04:00

Contact our Lending Department or any local office for loan application information.

What is an IRA?Ashley Reinhard2022-09-06T09:31:42-04:00

IRA is short for “Individual Retirement Account”. Century Savings Bank offers bothTraditional IRA and Roth IRA time deposit accounts.

What is a Traditional IRA?Ashley Reinhard2022-09-06T09:32:02-04:00

A Traditional IRA is a special tax-favored savings account. It allows for tax-deductible contributions for most people. Most important, earnings are not taxed until you begin to withdraw from your IRA. Contributions can be made up to the tax-filing deadline (usually April 15) for that year, not including extensions.

What is a Roth IRA?Ashley Reinhard2022-09-06T09:32:23-04:00

A Roth IRA is one of the most exciting personal savings options available today. While contributions to your Roth IRA are not tax-deductible, the best part about owning a Roth IRA is what happens when you withdraw from the account: neither your contributions nor the investment gains/earnings are subject to federal income tax. As long as certain conditions are met, everything in a Roth IRA is paid out tax-free and penalty-free.

Is there a limit on how much I can deposit into my IRA?Ashley Reinhard2022-10-14T09:21:12-04:00

Contributions are limited to a specific dollar amount each year, based on whether you are under age 50, or age 50 or older. For tax year 2022, the contribution limit is $6,500 if you are under age 50, and $7,000 if you are age 50 or older. Future limits are subject to cost-of-living adjustments. Contributions may not exceed 100% of compensation.


What is the difference between a “Credit” transaction and a “Debit” transaction on my Debit MasterCard®?Ashley Reinhard2022-09-06T09:51:17-04:00

Purchases made with your Debit MasterCard® that require a signature are considered “Credit” transactions. Purchases made via the internet or telephone are typically processed as “Credit” transactions as well. This type of transaction typically results in a “hold” being placed on funds (in the amount of the purchase) in your checking account on the date of purchase. The merchant will process a subsequent transaction to debit the funds from the account. Any transaction in which a PIN is entered is considered a “Debit” transaction. Typically, the funds are withdrawn immediately from your checking account when a “Debit” transaction is processed.

What are the standard daily limits for ATM/POS withdrawals on my Debit MasterCard®?Ashley Reinhard2022-09-29T13:47:54-04:00

Standard card limits are set to $1000 daily for ATM and $2500 daily for POS (Point-of- Sale) transactions.

How do I report a card Lost or Stolen?Ashley Reinhard2022-10-14T09:18:49-04:00

If a card is Lost or Stolen during normal business hours (8:30 am-5:00pm M-F), call your local branch or the Bank’s Operations Staff at (856) 457-3422 ext. 1081. If a card is Lost or Stolen outside of normal business hours, call our 24-hour Hot Carding Line at 833-337-6075.

If I am traveling, do I need to notify the Bank that I will be using my Debit MasterCard®?Ashley Reinhard2022-10-14T09:25:15-04:00

Yes, you should always provide the Bank with travel dates and locations. For security reasons and as a result of growing fraudulent activity, the Bank may opt to block certain transactions, based on amount and/or location. Letting us know your travel plans ahead of time can help ensure that your card does not get declined or blocked for unusual card activity.  You may request travel notes by filling out our secure form in Online/Mobile Banking, visiting your local branch or by calling 844-9CSB4ME.

Is there a fee to replace my Debit MasterCard®?Ashley Reinhard2022-09-06T09:53:16-04:00

Yes, the Bank currently charges $5.00 for a replacement card.

How can I change my current PIN?Ashley Reinhard2022-09-06T09:53:44-04:00

You can change your PIN number at any one of our six ATMs or you may call our Card Activation line at 800-992-3808 to change your PIN.

I exceeded my PIN tries and now my card is locked out. How can I reset it?Ashley Reinhard2024-02-22T14:02:51-05:00

Your PIN tries will automatically be reset if you successfully enter a correct PIN 24-hours after it is initially locked. To have your PIN tries reset during business hours, contact the Operations Department or your local branch.

Can I access my Statement Savings account with my Debit MasterCard®?Ashley Reinhard2022-09-06T09:56:10-04:00

Yes, however a statement savings account can only be added as a secondary account. Secondary accounts can be accessed only at an ATM and are not available for POS/purchase activity.

How do I report fraudulent activity on my Debit MasterCard®?Ashley Reinhard2022-09-06T09:56:46-04:00

If you suspect fraud on your card, contact us immediately. In order to receive an initial credit for the lost funds, you will be required to sign paperwork (at any branch) documenting the details of your dispute. The Bank will credit your account for the full amount of your claim within 10 business days of receiving your signed paperwork. The Bank will conduct an investigation of your claim (Reg E timeframes apply) and will report the results of the investigation to you in writing within three business days of its completion.

If I gave a merchant my Debit MasterCard® number and authorized them to debit my account, but now I want them to stop, what can I do?Ashley Reinhard2022-09-06T09:58:11-04:00

You must first follow the “cancellation terms” that were set forth in your original Agreement with the merchant. If you have already taken the required steps to cancel your agreement and the vendor continues to debit your account, you may then dispute any further charges with the Bank, provided that you notify us within 60 days of the receipt of your account statement that contains the disputed charges.

What is Multi-factor Authentication?Ashley Reinhard2022-09-06T10:36:23-04:00

Multi-factor authentication is a security feature that will provide you additional protection from fraud and identity theft when doing your online and mobile banking. In addition, multi-factor authentication helps prevent unauthorized access to your accounts and secure financial information. Century Savings Bank utilizes both One-Time Passcodes and Challenge Questions for multi-factor authentication. Users will be required to provide a One-Time Passcode or answer Challenge Questions in order to complete high-risk transactions.

What is a One-Time Passcode?Ashley Reinhard2022-09-06T10:36:40-04:00

This is a randomly generated five-digit number, sent via text or automated voice call, which must be provided by the end user to complete a high-risk transaction.

What telephone numbers do you send One-Time Passcodes to?Ashley Reinhard2022-09-30T15:31:00-04:00

You will have the option to send a One-Time Passcode to any telephone number that we currently have on file (Home, Cell, or Work).  For this reason, it is extremely important that you keep your telephone numbers up-to-date with us.  You may update a telephone number within online banking by going to Service Center>My Profile>Change Telephone Number or you may update it at your local branch office.

What are Challenge Questions?Ashley Reinhard2022-09-13T14:55:35-04:00

There are two types of “challenge questions” that may be presented for enhanced login security. Risk-Based questions are questions that are chosen by the online banking user  during initial setup. Knowledge-based questions are based on information stored in public databases and are randomly selected upon presentation.

Can I change my Challenge Questions?Ashley Reinhard2022-10-14T13:06:31-04:00

Yes, you can select new “risk-based” challenge questions by going to My Profile>Change Security Information.

Will I always be required to provide a One-Time Passcode or answer Challenge Questions?Ashley Reinhard2022-09-06T10:40:30-04:00

Multi-factor authentication is required for all transactions that are considered “high risk”.    All transactions are assigned a risk score, based on a number of factors involved in the transaction (i.e. – type, amount, location, time, etc.).  Previous online banking activity will also contribute to the risk score assigned to a particular transaction.  As a result, a new online/mobile banking user or one who does not utilize the product frequently will be required to provide additional authentication more often that someone who utilizes the product more frequently from the same device.

How does Bill Payment work?Ashley Reinhard2022-09-06T10:58:31-04:00

Set up your payees using the intuitive setup wizard and start making payments. You select the date you need your payment to be delivered by. The bill pay vendor may send your payment using one of three methods:  electronic (ACH), corporate check (drawn on bill pay vendor’s account), or laser draft check (drawn against your checking account). Payments sent via ACH or corporate check will be electronically deducted from your Century Savings Bank account on the requested delivery date.  Payments sent by draft check must be processed and deposited by the receiving payee before the check clears directly from your account.

Why are some payments sent electronically, while others are sent by check?Ashley Reinhard2022-10-14T13:03:10-04:00

The method of payment is determined by the biller/payee and a risk score assigned to the payment. Some biller/payees may also set certain dollar limits which determine if payments are sent electronically or if they are sent by check.  This means that your payment could be sent electronically one time and, another time, a payment to the same biller/payee could be sent via check.  The system will also send more check payments out initially while it establishes your normal behavior or if a payment has been recently returned for insufficient funds.

What if I do not have sufficient funds in my account?Ashley Reinhard2022-09-06T10:59:19-04:00

If your account does not have enough money in your account on the “Deliver By” date, the payment will still be sent to the biller/payee and you could receive an insufficient funds charge (as disclosed in our Fee Schedule).  We will try to collect payment a second time within 24-48 hours. If, at that time, you still do not have sufficient funds, a second insufficient funds charge may be assessed. At times, we may work with the biller/payee to try and reverse the payment. If the payment cannot be reversed, we will contact you directly to satisfy your outstanding balance. Your access to Online Bill Pay may also be restricted for payments resulting in insufficient funds.

How and when will my account debited?Ashley Reinhard2022-09-06T10:59:37-04:00

Payments sent via ACH or corporate check will be electronically deducted from your Century Savings Bank account on the requested “Deliver By” date.  Payments sent by draft check must be processed and deposited by the receiving payee before the check clears directly from your account.

How long does it take for an electronic (ACH) payment to reach the biller/payee?Ashley Reinhard2022-09-06T10:59:53-04:00

Electronic payments should be scheduled at least one business day prior to the payment due date.  Same-day ACH payments (to certain payees only) can be scheduled for a fee of $9.95.

How long does it take for a check payment to be received by the biller/payee?Ashley Reinhard2022-09-06T11:00:14-04:00

You should allow 4 business days when scheduling a payment by check.  Overnight check payments can be scheduled for a fee of $12.95.

What is the cutoff time for payments?Ashley Reinhard2022-09-06T11:01:51-04:00

Typically, the cutoff is at 10:00 pm.  Some billers have a cutoff time prior to 10:00 pm.  In most cases, an electronic payment due tomorrow can be scheduled up until 10:00 pm tonight.

Are payments guaranteed?Ashley Reinhard2022-09-06T11:02:17-04:00

The service vendor will bear responsibility for any late payment-related charges up to $50.00 should a payment post after its Due Date, as long as the payment was scheduled in accordance with the following guidelines:  when scheduling Bill Payments, you must select a “Deliver By” date that is no later than the actual Due Date reflected on your billing statement, unless the Due Date falls on a non-business day.  If the actual Due Date falls on a non-business day, you must select a “Deliver By” date that is a least one (1) Business Day before the actual Due Date.  “Deliver By” dates must be prior to any late date or grace period.

Is it possible to schedule recurring payments?Ashley Reinhard2022-09-06T11:02:38-04:00

Yes. You can schedule payments weekly, every 2 weeks, every 4 weeks, twice a month, monthly, every 2 months, every 3 months, every 6 months, or annually.   You determine final payment by selecting a specific end date, by selecting a specific number of payments, or by choosing the pay “until I stop” options.

How do I register for Bill Payment?Ashley Reinhard2022-09-06T11:02:58-04:00

You may register for bill payment at any time by clicking on the “Pay My Bills” link inside online banking.

When I add a new payee to my Bill Payment account, how quickly will the change take place?Ashley Reinhard2022-09-06T11:03:54-04:00

As soon as the new payee setup process is completed, you will be able to schedule a payment.

Can I receive an annual summary of my bill payments?Ashley Reinhard2022-09-06T11:04:15-04:00

The Bill Pay product allows you the option to view and download payment history.

Can I use Bill Payment with all my accounts?Ashley Reinhard2022-09-06T11:05:03-04:00

Only checking accounts can be used for Bill Payment purposes.

When is Bill Payment available?Ashley Reinhard2022-09-06T11:05:20-04:00

You can schedule payments 24 hours a day, seven days a week.

Are my Bill Payments reflected as Online Banking transactions?Ashley Reinhard2022-09-06T11:05:40-04:00

Yes. All Bill Payment transactions become part of your account transaction history and show up on your monthly account statement and Online Banking account histories.

How do I add new payees?Ashley Reinhard2022-10-14T13:00:00-04:00

Click the “Add New Payee” button from within the Payment Center and type in the payee name.  When adding a major biller/payee, the biller/payee information may already be identified by the Online Bill Pay system; therefore, all you need to do is enter your account information for that major biller/payee.  For smaller or local businesses, the biller/payee information may not readily be available; therefore, you may need to enter more information about the business such as mailing address and phone number.

How do I update a payee’s account number?Ashley Reinhard2022-10-17T16:35:18-04:00

(Available on desktop only) Go to Pay My Bills>Payment Center>Click on the Payee Name.  On the Edit Payee Details page, find the Account number section> click on the “change” link>click in the box to verify that you are not a robot>Enter your new account number twice>Click Save Changes.

How do I update a payee’s remittance address?Ashley Reinhard2022-09-06T11:06:25-04:00

Go to Pay My Bills>Payment Center>Click on the Payee Name. On the Edit Payee Details page, enter the updated address information and click Save Changes.

Can Bill Payment be used when I am out of the country?Ashley Reinhard2022-09-06T11:06:41-04:00

Bill Payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

Is there a limit to the number of Bill Payment accounts I can set-up?Ashley Reinhard2022-09-06T11:07:02-04:00

No, Bill Payment can support multiple funding accounts.  You select which account you would like each bill to be paid from.

Who can be paid using the Bill Payment system?Ashley Reinhard2022-09-06T11:07:19-04:00

Anyone in the 50 United States and territories who can accept a check can be paid using the Bill Payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) should not be processed through our online Bill Payment system.

Can I pay my bills on the weekend?Ashley Reinhard2022-09-06T11:07:39-04:00

You can set up your payments during the weekend. However, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend. Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the next business day.

If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?Ashley Reinhard2022-09-06T11:07:55-04:00

Each bill payment is debited separately.

If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?Ashley Reinhard2022-09-06T11:08:31-04:00

If you select the wrong payee from your list of available payees or make a payment to a payee with an invalid remittance address, then you will be responsible for the late fee. If you make a payment to a payee with a valid remittance address, and the bill pay vendor routes the payment incorrectly, then the bill pay vendor will take responsibility for the late fee.

How do I place a ‘stop payment’ on a bill payment?Ashley Reinhard2022-09-06T11:08:59-04:00

A payment may be edited or deleted prior to the Deliver By date and up until the status has changed to “Processing” on the delivery date. Payments that have been remitted electronically cannot be stopped. Stop payment requests for check payments must be directed to Customer Service at 844.927.2463 ext. 1081.  The Bank’s current Stop Payment Fee (as listed in our Fee Schedule) will be charged to your checking account at the time the stop is placed.

How do I sign up to receive electronic statements (eStatements)?Ashley Reinhard2022-10-14T10:18:51-04:00

You must first have access to Online/Mobile Banking to receive eStatements. To sign up for eStatements, log into Online/Mobile Banking and click on Banking Services/eDocuments. Select your enrollment preference for individual accounts or select “All Electronic”.  Click the blue HERE button to read the “Electronic Document and Disclosure Agreement”.  Copy the Disclosure Acceptance Code at the bottom of the document>Close the document>Paste or type code in the box>Click Accept and Update Preferences button.  Upon acceptance, you will immediately have access to the eStatement product.

For which accounts will I receive eStatements?Ashley Reinhard2022-10-14T10:28:12-04:00

You have the option to select a delivery preference (paper or electronic) for individual accounts or to receive electronic for all.

If the Bank sends out disclosure information or customer education pamphlets in the paper statements, how will I get them if I have eStatement?Ashley Reinhard2022-10-14T10:23:58-04:00

The Bank will include an electronic version of all correspondence (disclosures and educational materials), that is sent in the paper statements, within your electronic statement.

How long will an eStatement be available for viewing?Ashley Reinhard2022-09-06T11:39:50-04:00

The Bank will archive eStatements for a minimum of 12 (rolling) months.

Am I able to print out my eStatements if I wish to retain a paper copy?Ashley Reinhard2022-10-14T10:50:50-04:00

Yes, all eStatements are presented as .pdf documents and are printable.

What if I no longer wish to receive eStatements?Ashley Reinhard2022-09-06T11:42:31-04:00

You may submit a written request to the Bank to discontinue eStatements.

Online & Mobile Accounts

What is Online Banking?Ashley Reinhard2022-09-06T10:19:13-04:00

Online Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.

What is required to use the Online Banking service?Ashley Reinhard2022-10-14T13:09:21-04:00

All you need to use Internet Banking is a secure browser that supports 128-bit encryption. Our online banking vendor supports the latest two versions of Edge, Firefox, Google Chrome, and Safari.

How do I access Online Banking?Ashley Reinhard2022-09-06T10:20:09-04:00

Complete the Online Banking registration form and submit it to us. If the information on your registration form matches up correctly with what we have in our records, you will be able to log in and begin online banking immediately. You must have an existing checking, savings or loan account before banking online.

How current is my banking information?Ashley Reinhard2022-09-06T10:31:28-04:00

Your account information is updated in an online real-time environment each time a new transaction posts to your account.

What accounts will I be able to access through Online Banking?Ashley Reinhard2022-09-06T10:31:50-04:00

You can access your Century Savings Bank checking, savings, certificate and loan accounts from the Online Banking service. Our Online Banking Product is intended to give you as much access, security, and versatility as possible.

How much account information can I view at once?Ashley Reinhard2022-09-06T10:32:13-04:00

The system will allow you to view up to sixteen months of account history.

Can I view my account details in more than one way?Ashley Reinhard2022-10-14T13:12:58-04:00

Yes, you can view and sort account information by date, transaction type, description, or amount in ascending or descending order.

Can I schedule future transfers?Ashley Reinhard2022-09-06T10:34:12-04:00

Yes, you can schedule one time, future and recurring transfers.

When can I use Online Banking services?Ashley Reinhard2022-09-06T10:34:28-04:00

With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

How long can I be inactive before being logged out of the Online Banking product?Ashley Reinhard2022-10-31T08:48:53-04:00

The system is designed to automatically log you out after 10 minutes of inactivity.

Can I create my own password that is easy for me to remember?Ashley Reinhard2022-09-06T10:35:17-04:00

Yes, you create your own password at the time of registration.

What happens if I forget or lose my password?Ashley Reinhard2022-10-14T13:14:59-04:00

If you have forgotten your password, the “Forgot Password” feature will allow you to Sign In and change your password. To change your password, enter the requested personal authentication information and click “Submit”.  Then, enter and confirm your new password. Click “Submit Password”.  Once your password has been changed, you will receive immediate access to your online accounts. If you are unable to reset your password, please contact Customer Support at 856-457-3422 ext. 1081 (M-F 8:30am – 5:00pm).

What if I forgot my User ID?Ashley Reinhard2022-10-14T13:54:27-04:00

You may click on the “Forgot User ID” link to recover your User ID.  If this is unsuccessful, you may contact Customer Support at 856-457-3422 ext. 1081 (M-F 8:30 am – 5:00 pm).

Can I unlock myself from Online Banking?Ashley Reinhard2022-09-06T10:36:02-04:00

Yes, you may use the “Forgot Password” feature to unlock your access to Online Banking.

What is Mobile Banking?Ashley Reinhard2022-09-06T10:41:03-04:00

Mobile banking is a service that enables you to access your account information, conduct transfers, and pay and manage your bill payments from any Android or iOS mobile device that has internet access and an active data plan.

What does Mobile Banking cost?Ashley Reinhard2022-09-06T10:41:17-04:00

Mobile Banking at Century Savings Bank is FREE, but you are required to subscribe to a data plan through your wireless provider. You should check with your wireless provider if you aren’t sure whether additional fees might apply.

Is Mobile Banking currently available to all users?Ashley Reinhard2022-09-06T10:42:45-04:00

Mobile Banking is available to all Bank customers that own an Android or iOS mobile device with web browsing capabilities and that subscribe to a data plan through a wireless carrier. Mobile banking users may download the Bank’s app via Google Play or the App Store or they may access the bank’s mobile website by visiting www.centurysb.com on their internet browser.

What features are available on Mobile App?Ashley Reinhard2022-10-14T14:13:13-04:00

The mobile app allows users to:  register, obtain “fast balances” without logging it, view account history and check images, stop payment on checks, manage and pay bills, deposit checks, make transfers, view electronic statements, make loan payments, securely contact the bank, request travel notes on your CSB debit card, set debit card alerts and restrictions, deactivate/reactivate a CSB debit card, send requests to add/delete accounts, and securely update your personal contact information.

What are “Fast Balances” and how can I get them on my phone?Ashley Reinhard2022-10-14T13:57:49-04:00
The “fast balance” feature allows you to see your account balances without having to log into the mobile banking app.  You first need to register your device by selecting Banking Services>Manage Fast Balances.  Once you are registered, simply tap on grey tab on the app’s sign-in page to view your fast balances.
How much account history can I see on my phone?Ashley Reinhard2022-09-06T10:49:31-04:00

Up to 16 months of account history.

What different kinds of funds transfers are available?Ashley Reinhard2022-09-06T10:49:55-04:00
The transfers feature will allow you to make immediate transfers between your CSB accounts or schedule future one-time and recurring payments.  You are also able to set up and initiate transfers to your account at another financial institution (external account transfer).
Can I change or remove a scheduled transfer?Ashley Reinhard2022-09-06T10:50:16-04:00

Yes, you can do both from the Scheduled Transfers page.

How do I log out?Ashley Reinhard2022-10-31T08:44:19-04:00

You may select the Log Out option from either menu (top right or top left) on the screen

Is it safe to bank using the Mobile Banking service?Ashley Reinhard2022-09-06T10:50:50-04:00

Yes. To protect your privacy, you are required to authenticate yourself with your chosen Username and Password.  In addition, the Bank requires additional authentication (One-Time Passcode or Challenge Questions) to complete all high-risk transactions.  All communication between your mobile device, wireless provider and the mobile banking server are encrypted. In addition, your passwords and account information are never stored by the mobile device or in the Mobile Banking application.

Can I change the timeout value for my Mobile Banking session?Ashley Reinhard2022-09-06T10:51:28-04:00

Ten minutes is the only timeout option. For your security and protection, when there has been no account activity for ten minutes, the session times out and you will be required to login in again.

What is Mobile Deposit?Ashley Reinhard2022-09-06T10:51:45-04:00

Mobile Deposit refers to the ability to make deposits via a mobile device, using the device’s built-in camera.

What do I need for Mobile Deposit?Ashley Reinhard2022-09-06T10:52:10-04:00

You will need a to have a mobile device with a built-in camera and the Century Savings Bank app installed.  You must be a customer of Century Savings Bank for at least 30 days and be registered for Online/Mobile Banking.

Are there any limits for Mobile Deposit?Ashley Reinhard2022-09-06T10:52:33-04:00

Yes, standard limits are $5,000/day and $20,000/rolling 30 days.

Can I deposit any type of check with Mobile Deposit?Ashley Reinhard2022-09-06T10:54:30-04:00

No, there are certain types of checks that are ineligible.  Deposits of this nature may result in the immediate termination of Mobile Deposit.  A full listing of items ineligible for Mobile Deposit can be found on the bank’s Mobile Deposit Service Agreement, which must be accepted prior to using the product.

How can I ensure that my check deposit images are accepted?Ashley Reinhard2022-09-06T10:54:53-04:00

The Mobile app, along with our mobile deposit vendor, reviews the quality of images submitted at the time of presentment.  To ensure good image quality: hold camera directly over the check, ensure your check is completely flat, on a dark surface and in a well-lit area.

How should I endorse the check?Ashley Reinhard2022-09-06T10:55:11-04:00

You will need to write “For Mobile Deposit Only to Century Savings Bank” on the back of the check and sign it.  If the check is not endorsed in this manner, it will be rejected.

How will I know if my check has been accepted for deposit?Ashley Reinhard2022-09-06T10:55:27-04:00

You will receive email alerts from mobiledepositalerts@centurysb.com for each of the following: deposit receipt, deposit approval, deposit rejection, and deposit adjustment.

How long after I make a mobile deposit will the funds be visible/available in my account?Ashley Reinhard2022-09-06T10:55:42-04:00

Deposits made by 3:00 pm on a business day will be displayed in your account with a description of “Mobile Check Deposit” on the following business day.  However, funds will not become available until the second business day.  Deposits made after 3:00 pm will not be considered for deposit until the following business day.

Are the check images visible in the app?Ashley Reinhard2022-09-06T10:55:57-04:00

Yes, images of items deposited through Mobile Deposit are available on the Deposit History page (accessible through the Deposit a Check menu option). This feature will display 90 days of deposits.

What do I do with my check after it has been deposited?Ashley Reinhard2022-09-06T10:57:09-04:00

After depositing a check, write in pencil “Deposited via Mobile” and the date on the front of the item.  The Bank recommends that, after verifying that your deposit has been accepted and processed, you securely store the item and shred it after 30 days.

What accounts are eligible for Mobile Deposit?Ashley Reinhard2022-09-06T10:57:28-04:00

Century Savings Bank checking and savings accounts are eligible for Mobile Deposit.

Is there a cost for Mobile Deposit?Ashley Reinhard2022-09-06T10:57:46-04:00

No, the Bank does not charge a fee for the Mobile Deposit service.  However, you may incur separate fees from your mobile carrier.

Can businesses use Mobile Deposit?Ashley Reinhard2022-09-06T10:58:10-04:00

Yes, businesses can apply for Mobile Deposit, but must meet certain eligibility requirements to be approved.

Can I set up an electronic payment to a person?Ashley Reinhard2022-10-31T08:52:31-04:00

Century Savings Bank does not currently offer a P2P transfer service within online/mobile banking

What is a mobile wallet?Ashley Reinhard2022-09-06T11:09:17-04:00

A mobile wallet is a digital version of the wallet you carry around in your pocket. Mobile wallets provide a fast, convenient and secure way to pay for goods and services with your smartphone, smartwatch or other compatible device.

What are the benefits of using a mobile wallet?Ashley Reinhard2022-09-06T11:09:33-04:00

No need to carry cash! Use your digital wallet to make secure purchases in stores, in apps and on the web. A virtual token is used to transmit payments, so your card number and identity remain private during every transaction.

Are mobile wallets safe?Ashley Reinhard2022-09-06T11:09:52-04:00

When you use your mobile wallet to pay for purchases, your card and personal information are not passed along to the merchant. Instead, the mobile wallet will assign a unique device account number to your card and that will be used when you make purchases.