Centennial Bank

General

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General

How much does this service cost?
There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.
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Is it secure?
Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, or password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your phone. In the event your phone is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us.
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Which wireless carriers are supported?
We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option, or check back later, as new carriers will be added over time.
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Do I need a text message or data plan?
Yes, a text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.
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I am not enrolled for online banking. Can I still use this?
You must first enable your active bank account(s) for online banking before using mobile. Enroll now >.
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What is Activation?
Activation is a one-time process that helps ensure your security. An activation code is issued to you on the online enrollment site. You will need to enter this code on your device to begin text banking. We recommend you print your activation code and installation instructions for easy reference during installation.
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Who can I contact if I have questions?
If you need help setting up your Mobile Banking or have questions about how to use it, please call us toll-free at 888-372-9788. Our Personal Bankers are available Monday-Friday 7:00am to 7:00pm CST and Saturday 8:00am-2:00pm CST
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Can I access Bill Pay Online through Mobile Banking?
Yes, with Mobile Bill Pay, you can pay bills, see payments made, or cancel payments. Before using Mobile Bill Pay, you must enroll in Bill Pay services and create new payees through On-Line Banking. Mobile Bill Pay is available through Mobile Web Browser and Downloadable Applications. Mobile Bill Pay is not available through Text Banking (SMS).
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How does the Bill Pay memo feature work in Mobile Banking?
If the payee requires an electronic payment, the memo field is not used or retained. For more information please contact our Customer Care Center at 888-372-9788.
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What is the difference between my Current Balance and my Available Balance?
Current Balance is your balance after all items have cleared and been posted.
Available Balance can have pending items that have yet to clear your account. The Available Balance does not include any potential Overdraft balance you might have attached to your account.
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Can I transfer funds 24/7 with Mobile Banking?
Transfers can be submitted but they will not take place after banking hours or on holidays. Your scheduled transfer will take place the following business day.
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When are my funds available to me?
Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of deposit.
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Can I access my Credit Line from Mobile Banking?
For your convenience most personal Credit Lines are accessible via Mobile Banking. However your view and transfer rights should be set up through Online-Banking. For help in setting up your credit line transfer rights please contact our Customer Care Center at 888-372-9788
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Mobile Banking

What is Centennial Mobile Banking?
Mobile banking gives you access to your accounts from your mobile web browser, text messaging or a downloadable mobile banking application, depending on your preference and your phone capabilities. Our Mobile Banking options allow you to: view account balances, search recent account activity, transfer funds, pay bills and find nearest the ATM or branch locations.
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How do I access Mobile Banking on my phone’s browser?
After successful activation, your phone will receive a text message with your Mobile Banking link. You can visit the site at any time at https://mb.my100bank.com
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How do I sign up for Mobile Banking?
Sign in to Online Banking on your computer and choose the Mobile Banking option. Enroll your mobile phone and follow the instructions. If you use challenge questions for online banking, you can enroll for mobile banking directly from your mobile phone by entering the mobile web link https://mb.my100bank.com
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I activated Mobile Banking on my phone’s browser. Why am I being asked to activate again?
At the time of activation, a "cookie" is stored on your phone's browser which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile phone. If you would like to reactivate, text R or RECOVER to 83396.
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How do I optimize my mobile web experience?
We recommend 3 steps for an optimal experience: 1) Ensure your phone's browser has cookies enabled. 2) Enable stylesheets on your browser. 3) Bookmark our Mobile Banking site.
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Is Mobile Banking supported on my phone?
Mobile Banking is supported on most phones with a mobile web browser that supports cookies. In addition, the mobile application is available on iPhone and Android. Both mobile web and mobile applications can be found by entering the mobile web link https://mb.my100bank.com in your phone's browser.
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How do I install the downloadable application?

1. Your phone will receive a text message from 83396. Select to view (or open) the message (you can also view it later by going to your phone's text message inbox).
2. Select the link -- https://mb.my100bank.com -- in the text message. This is typically done by selecting a command on your phone's menu, such as "Connect" or "Go To."
3. You will then be brought to a page with a Download link. Click this link to download the application.
4. When finished, you will be notified that the download completed.
5. After launching the application for the first time, you may be asked to give permission to access the data network. You will need to grant permission in order to proceed.
6. For iPhones and Androids the latest version of our App can be found in iTunes and Google Play

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Text Banking

What is Centennial Text Banking?
Text banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.
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What is Centennial’s shortcode?
All text messages should be sent to 83396
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Can I use both Text Banking and Mobile Banking on my phone?
Yes, you can use both options from the same phone. To do so you will need to activate each option on your phone prior to use.
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Is Text Banking supported on my phone?
Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.
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Will I receive unsolicited text messages?
No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts.
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What are the Text Banking commands?

Function	Command	Description
Balance	B	Summary of available balances for all accounts
History	H	Summary of recent transactions per account
Command	C	List of available Text Banking commands
Help	HE	Help content for Text Banking
Login	L	Receive a Link for the Centennial Mobile Browser website
Stop	S	De-activate all Centennial text services
Alerts	A	Manage Text Alerts regarding account activity

NOTE: You can check for additional available commands by activating your phone and sending C to 83396.
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Mobile Deposit

What is Mobile Deposit?
Mobile Deposit is a convenient, easy way to deposit checks from your mobile phone into one of your accounts. With the Centennial Mobile Banking app on your iPhone® or Android™, you can take a photo of your check, enter the check information and securely submit your deposit for processing.
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Is there a bank fee to deposit my check with my mobile phone?
Mobile Deposit is FREE to eligible customers. There may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.
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How do I know if I'm eligible to use Mobile Deposit?
You must have a deposit eligible account, such as a personal checking account, to use this feature. Opportunity 100 accounts are not eligible for Mobile Deposit. Other checking customers are subject to approval. If you are not eligible you can contact the Customer Care Center at 888-372-9788- to find out how to become eligible to use this feature.
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What checking accounts are required to be eligible for use with Mobile Deposit?
Most Personal checking accounts, excluding Opportunity 100, are eligible for Mobile Deposit. Other checking customers are subject to approval.
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Where can I find the Deposit tab within my downloaded app?
All users should first download the latest version of the app from Google Play or iTunes Store. Android users: When you first open the app, you will see the main menu screen. You should select the Deposit Check option to begin your Mobile Deposit. Only those that are eligible for Mobile Deposit will be able to continue the deposit process after login. iPhone users: Open the app and complete the login process. Only those that are eligible to use Mobile Deposit will see the Deposit tab at the bottom of the home screen. Select the Deposit icon to begin your Mobile Deposit.
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Can I use Mobile Deposit with any mobile device?
Eligible phones include:

• iPhone (3G or higher) with iOS 4.0 or higher. Older iPhones and devices without a camera, such as the first version of iPad are not supported. The iPod touch® is not supported at this time.
• Android (2.1 or higher) with a camera that supports auto focus.

You must also download and install the latest version of the Centennial Mobile Banking app from iTunes® or the Google Play Market™.
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Are there transaction limits with Mobile Deposit?
Currently, deposits are limited to $5,000 per day and $10,000 per month.
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Are my checks deposited immediately?
Successfully submitting your check image with your mobile device will begin the deposit process. However, the processing time to complete the deposit may vary. Funds deposited before 5 p.m. CST on a banking business day (every day except Saturdays, Sundays and federal holidays) are normally available for withdrawal on the first business day after the day of the deposit. If you transmit an item after 5 p.m. CST, or on a day we are not open, we may consider that the deposit was made on the next business day we are open. Check your "Deposit History" to see your deposit status.
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How do I view my deposit history?

1. Sign in to Centennial Mobile Banking and select the "Deposit" tab.
2. Select the "Get Deposit History" button and navigate to your Check
3. Click on a single deposit to view the available transaction detail.

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What should I do with the hard copies of my checks?
After successfully submitting a deposit with Centennial Mobile Deposit, you should retain the original check for 60 days. Please check On-Line banking or your monthly statement to ensure successful deposit. Upon successful deposit we recommend you shred your check.
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What types of checks are not eligible for Mobile Deposit?

1. Checks must be made payable to only you. Joint checks or checks made payable to "Cash" are not allowed.
2. Checks must not be drawn on a foreign bank or payable in a foreign currency.
3. Checks must not be altered on the front of the check in any way.
4. Checks must have an authorized signature. Demand drafts or remotely created checks are not allowed.
5. Checks must not be dated more than six months prior to the date of deposit.
6. Checks must not have previously been returned stop payment or account closed.

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How do I deposit a check?

1. Your check should have a valid account number and check number
2. Before you begin, properly endorse your check. On the back of the check, the endorsement should read: For Deposit Only & <name of account holder>. See the example below.
   
3. Sign in to Mobile Banking and select the "Deposit" tab.
4. Select the "Start New Deposit" button and navigate to the check deposit screen. You will need to complete the check deposit form in order to submit your deposit request. Note: "Continue" will appear disabled until all required fields are completed.
5. You should make sure your check is placed on a dark, well-lit, flat surface.
6. Select either the "Front" or "Back" camera icon to take a photo of your check.
7. Align the check image with the Camera viewfinder frame. Be sure to take a photo of the check side that matches the helper text: "Front" or "Back" in the viewfinder.
8. Tap the camera icon in the viewfinder to take the picture. If the preview looks correct, select the "OK" button. If not, simply tap the "X" and try again.
9. After you have successfully taken photos of your check, you will see small thumbnail image previews on the check deposit screen.
10. In the "Amount" field, enter the amount of the check you are depositing. Be certain the entered amount matches the amount on the check.
11. Tap the "Account" field to select a deposit eligible account.
12. After all the required fields are completed, the "Continue" button will appear enabled.
13. Review your entries and select the "Continue" button to complete the form.
14. Select the "Deposit Check" button to finalize and submit your deposit request

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Alerts

What are Alerts?
Alerts are a convenient, easy way to get updates about your accounts on your mobile phone. With SMS messaging on your mobile phone, you can setup alerts about account activity and then receive alerts in the form of SMS messages.
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What types of Alerts are available?
The Alerts feature allows for Low Balance, Transaction and Overdraft Alerts.
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Am I eligible to receive Alerts?
If you are eligible to use Alerts, you will receive an “Alerts Available” SMS message after you successfully enroll and activate Text Banking. If you didn’t receive the “Alerts Available” SMS message, but think you’re eligible, text “ALERTS to 83396.
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Can I use Alerts with any mobile device?
You must have a phone carrier plan that supports SMS messaging and is enrolled and activated for Text Banking.
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How can I subscribe to Alerts?

1. If you have not already enrolled and activated Text Banking, go to the Mobile Banking Center to complete enrollment and activation process.
2. Text “Alerts” to 83396
3. Receive SMS with Access link and navigate to the link given
4. Select an account (Only alerts-eligible accounts will be displayed)
5. Select an alert
6. Toggle the alert to ON and enter any necessary alert amount information to complete alert subscription
7. Click save

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How do I unsubscribe to Alerts?

1. Access the Alerts subscription site
2. If you need the link, text “Alerts” to 83396
3. Receive SMS with Access link and navigate to the link given
4. Once logged in to the Alerts Subscription site, select the account you want to unsubscribe alerts from
5. Toggle the alert to OFF
6. Click save

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Do Alerts cost money?
There is not a charge for the alerts service. However, standard carrier SMS text messaging rates apply. Please check with your carrier for rate information.
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What is a Low Balance Alert?
Low Balance Alerts inform you if your bank account has reached a specified Low Balance. Low Balance amount can be configured in the Alerts subscription site.
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What is a Transaction Alert?
Transaction Alerts inform you if an account transaction exceeds a threshold amount. A Transaction Alert amount can be configured in the Alerts subscription site.
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What is an Overdraft Alert?
Overdraft Alerts inform you when a transaction cannot be processed due to lack of funds in your bank account.
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Troubleshooting

I enrolled my phone number but did not receive a text message. What should I do?
Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. If you still do not receive it, try to enroll again. If the problem continues, contact your wireless carrier to be sure text messaging is enabled on your phone.
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I received an activation code but never used it. What do I do now?
Activation codes expire after a specific period of time (usually 24 hours). If you need a new one, return to the Mobile Banking enrollment site (from your On-line banking home page) and request a new activation code.
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What happens if I get a new phone or change phone numbers?
If you get a new phone or change phone numbers, be sure to return to the Mobile Banking website via your PC and update your phone profile in the Mobile Banking Center (from your On-line banking home page). We recommend removing your old phone and re-enrolling your new phone.
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Can I use Mobile Banking or Text Banking on more than one phone?
Yes. Visit the Mobile Banking Center and simply add another phone number.
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I activated Mobile Banking on my phone’s browser. Why am I being asked to activate again?
At the time of activation a "cookie" is stored on your phone's browser which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile phone. If you would like to reactivate, text R or RECOVER to 83396.
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What if my device is lost or stolen?
If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to the Mobile Banking Center via online banking and disable or remove your phone.
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