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Online and Mobile Banking FAQs

  • Question Icon

    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 7 PM CT 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 7 PM CT, 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. In some cases, longer delays may apply. Please refer to the Funds Availability Policy for details.

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    Are there transaction limits with Mobile Deposit?

    Currently, default deposit limits are $5,000 per day and $10,000 per month. If you need to exceed these deposit amounts please contact care at (888) 372-9788 for more details.

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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 Online Banking. Mobile Bill Pay is available through Mobile Web Browser and the Mobile Banking application. Mobile Bill Pay is not available through Text Banking (SMS).

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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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    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. Transfers made after 7:00 PM CT or on a non-business day will not post until the following business day.

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    Can I use Mobile Deposit with any mobile device?

    Eligible phones include: • iPhone® (3G or higher) with iOS 9 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™ (4.2 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®, Amazon® or the Google Play Market™.

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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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    How do I access Mobile Banking on my phone’s browser?

    You can visit the Mobile Web Browser at any time at https://mb.my100bank.com.

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    How do I install the downloadable application?

    The latest version of our App can be found in app stores for iPhone®, Android™ and Amazon®.

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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. All Opportunity 100 and any new accounts in the first 30 days 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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    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.

  • Question Icon

    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.

  • Question Icon

    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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    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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    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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    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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    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

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    Is Mobile Banking 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 our Customer Care Center at (888) 372-9788.

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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®, Android™ and Amazon®. Mobile web and links to download the mobile application are located at https://mb.my100bank.com.

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    Is there a bank fee to deposit my check with my mobile phone?

    Mobile Deposit is FREE to eligible customers. Data rates may apply.

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    Trouble downloading the mobile app on a new or existing device?

    Please review instructions located here or contact our Customer Care Center during normal operating hours at (888) 372-9788.

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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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    What is Centennial Mobile Banking?

    Mobile Web Browser 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, make deposits, pay bills and find the nearest ATM or branch locations.

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    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®, Android™ or Amazon® device, you can take a photo of your check, enter the check information and securely submit your deposit for processing.

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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 limit you might have attached to your account.

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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 Online 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. Joint checks are accepted as long as both parties have endorsed the check. Checks payable to 'cash' are accepted. 2. Money orders are not accepted for mobile deposit. 3. Temporary or over-the-counter checks are not accepted for mobile deposit. Checks must be pre-printed with account owner information. 4. Checks must not be drawn on a foreign bank or payable in a foreign currency. 5. Checks must not be altered on the front of the check in any way. 6. Checks must have an authorized signature. Demand drafts or remotely created checks are not allowed. 7. Checks must not be dated more than six months prior to the date of deposit. 8. Checks must not have previously been returned due to stop payment or account closure.

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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. 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. In some cases, delays may apply. See full funds availability policy.

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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™, Amazon® Appstore 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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    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.

  • Question Icon

    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 Customer Care Center is available Monday-Friday 7:00am to 7:00pm CT and Saturday 8:00am-2:00pm CT

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Certain transaction fees, limitations and requirements may apply. Please refer to the product terms and conditions or see Bank for details.

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