Century Savings Bank has grouped questions into several categories to make finding your answer simple.
- Bank Information
- General Account Information
- Checking Accounts
- Certificates of Deposit
- Individual Retirement Accounts (IRAs)
- Debit Mastercard®
- Bill Payment
- Multi-Factor Authentication
- Online Banking
- Mobile Banking
- Mobile Deposit
- Apple Pay™/Google Pay™
Use our convenient ATM/Branch Locator tool to locate a branch, to find address, phone and hours information and to obtain directions.
The Bank observes all Federal Reserve holidays.
Safe Deposit Boxes are located in every ATM/branch office (except our Elmer location). For specific box sizes, availability and pricing, contact your local ATM/branch office.
Come into the nearest branch location, complete a “Change of Address Form”, and provide us with proof of your new address or log into online banking and go to Service Center>My Profile>Change Address.
Visit your nearest branch location to open an account. Currently, Century Savings Bank opens accounts for those who live in or near our tri-county servicing area (Cumberland, Salem, and Gloucester counties).
Customers are required to present two forms of ID. Examples of acceptable ID include, but are not limited to, driver’s license, passport, and government ID. Contact your local office for a complete list.
Yes, Century Savings Bank accounts are all FDIC insured up to $250,000. For more details on what this means, check out the FDIC website.
No, Century Savings Bank does not charge you a fee to have Direct Deposit into an account.
You can obtain account balances 24-hours a day via the bank’s secure Online Banking and Automated Teller (877-878-2368) products or you may call your local office during business hours.
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.
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.
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.
Century Savings Bank offers Overdraft Protection Transfer from another qualified deposit account at Century to cover overdrafts. Visit your local branch to sign up.
Yes, we are able to combine multiple statement accounts sharing the same Tax Id #.
Yes, there is a penalty depending upon the term. Refer to the certificate Terms and Conditions for more details.
A deposit can be made at renewal (during the 10-day grace period).
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.
Yes, you can arrange to have your interest automatically transferred from your Certificate of Deposit into your checking or savings account.
You may mail all loan payments to our Sherman Avenue office location, ATTN: Lending Department.
You may call our Lending Department at 856-690-9105 or contact your local branch.
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.
Contact our Lending Department or any local office for loan application information.
IRA is short for “Individual Retirement Account”. Century Savings Bank offers bothTraditional IRA and Roth IRA time deposit accounts.
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.
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.
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®?
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.
Standard card limits are set to $1000 daily for ATM and $2500 daily for POS (Point-of- Sale) transactions.
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.
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.
Yes, the Bank currently charges $5.00 for a replacement card.
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.
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.
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.
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?
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.
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.
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.
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.
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.
Yes, you can select new “risk-based” challenge questions by going to My Profile>Change Security Information.
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.
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.
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.
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.
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.
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.
You should allow 4 business days when scheduling a payment by check. Overnight check payments can be scheduled for a fee of $12.95.
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.
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.
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.
You may register for bill payment at any time by clicking on the “Pay My Bills” link inside online banking.
As soon as the new payee setup process is completed, you will be able to schedule a payment.
The Bill Pay product allows you the option to view and download payment history.
Only checking accounts can be used for Bill Payment purposes.
You can schedule payments 24 hours a day, seven days a week.
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.
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.
(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.
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.
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.
No, Bill Payment can support multiple funding accounts. You select which account you would like each bill to be paid from.
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.
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?
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?
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.
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.
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.
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?
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.
The Bank will archive eStatements for a minimum of 12 (rolling) months.
Yes, all eStatements are presented as .pdf documents and are printable.
You may submit a written request to the Bank to discontinue eStatements.
Online & Mobile Accounts
Online Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.
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.
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.
Your account information is updated in an online real-time environment each time a new transaction posts to your account.
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.
The system will allow you to view up to sixteen months of account history.
Yes, you can view and sort account information by date, transaction type, description, or amount in ascending or descending order.
Yes, you can schedule one time, future and recurring transfers.
With Online Banking, you have access to your account information 24 hours a day, 7 days a week!
The system is designed to automatically log you out after 10 minutes of inactivity.
Yes, you create your own password at the time of registration.
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).
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).
Yes, you may use the “Forgot Password” feature to unlock your access to Online Banking.
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.
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.
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.
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.
Up to 16 months of account history.
Yes, you can do both from the Scheduled Transfers page.
You may select the Log Out option from either menu (top right or top left) on the screen
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.
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.
Mobile Deposit refers to the ability to make deposits via a mobile device, using the device’s built-in camera.
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.
Yes, standard limits are $5,000/day and $20,000/rolling 30 days.
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.
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.
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.
You will receive email alerts from firstname.lastname@example.org for each of the following: deposit receipt, deposit approval, deposit rejection, and deposit adjustment.
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.
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.
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.
Century Savings Bank checking and savings accounts are eligible for Mobile Deposit.
No, the Bank does not charge a fee for the Mobile Deposit service. However, you may incur separate fees from your mobile carrier.
Yes, businesses can apply for Mobile Deposit, but must meet certain eligibility requirements to be approved.
Century Savings Bank does not currently offer a P2P transfer service within online/mobile banking
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.
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.
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.
You will need your debit Mastercard® and an eligible device. Depending on the mobile wallet, other requirements may apply. Visit Apple Pay™, or Google Pay™ to learn more.
Century Savings Bank customers can use their debit cards for Apple Pay™ or Google Pay™.
Once I add my Century Savings Bank debit card to a mobile wallet, can I still use the physical card for purchases?
You can still use your physical card to make purchases at any merchant that does not accept Apple Pay™ or Google Pay™.
I received a new device. Do I need to re-register my Century Savings Bank debit card in my mobile wallet?
You will need to add your card to each device with which you wish to use a mobile wallet.
Your mobile wallet purchases are backed by the same Mastercard® Zero Liability protection as your physical card purchases are against unauthorized charges, as outlined in the Bank’s Electronic Funds Transfer Agreement and Disclosure.
During business hours, call 844-9CS-B4ME to report your card lost or stolen. After business hours, call 800-264-5578.
If my card is cancelled due to being lost or stolen, can I still use my mobile wallet to make a purchase with my Century Savings Bank debit card?
You will need to add your new card information to your mobile wallet.
If I lose my device, can I still use my physical Century Savings Bank debit card to make a purchase?
You may contact the Bank’s Deposit Operations department (M-F 8:30 am-5:00 pm) at 844-9CS-B4ME ext. 1081, request that your card be suspended from use with your mobile wallet and continue to use your physical debit card. If you find your device, you can request that the mobile wallet be reactivated for use.
For detailed information regarding setup, use and support for your mobile wallet, please visit the following:
Open a checking or savings account with us to take advantage of or enroll in any of these great services!
Visit your nearest branch location to learn more. Currently, Century Savings Bank opens accounts for those who live in or near our tri-county servicing area (Cumberland, Salem, and Gloucester counties).