Centier’s mobile banking app allows you to access both your Connect Checking and Savings accounts from your smartphone or tablet. You can check balances, transfer funds, pay bills, and more.

Centier Connect checking will have a no monthly maintenance fee if one of the following requirements are met: (otherwise $2 monthly fee)

• Enroll in e-Statements
• Set up direct deposit
• Maintain a $100 minimum daily balance 

Qualified debit card transactions are transactions processed as purchases using your Centier Visa® Debit Card. Please note that ATM transactions do not count as qualified debit card transactions. See branch for additional details. 

There are no minimum balance requirements for the Connect Savings Account, making it easy to start saving right away. 

You can open a Connect Checking and Savings account bundle online through Centier’s website or by visiting any Centier Bank branch. A minimum deposit of $50 is required to open the Connect Checking account, and $100 is required to open the Connect Savings account. 

• Free Online & Mobile Banking
• Free Bill Pay with E-statements¹
• Centier Visa® Debit Card
• Unlimited check-writing
• Option to add Round-Up Savings to help grow your funds
• No minimum balance requirement on the savings account
• Interest-earning savings account with the use of your debit card

The Connect Checking and Savings Account bundle is a combination of a checking, and a savings account designed to help you manage your daily finances while maximizing your savings potential. By using your debit card for everyday purchases, you can earn higher interest rates on your savings.

Due to investor guidelines, we are required to monitor the progress of repairs for large claims or for claims on delinquent loans. 

• Notify Centier Bank of your claim by calling the Loan Workout Department at 1-888-236-8437. We are available Monday – Friday 7:00 AM - 5:00 PM CST
• Depending on the loan requirements and claim amount, we may need you to endorse the check and send it in for deposit.

• Obtaining Endorsement at your local branch will depend on the claim amount and status of your loan. We recommend you call the number above to confirm prior to mailing in your check or visiting a local branch.
• If your claim check is eligible for Branch Endorsement, please visit Centier at https://www.centier.com/locations page to locate a branch near you. 
• You also have the option to mail in your Insurance Claim check for endorsement at the address below:

For All Loans:
Centier Bank
ATTN: Loan Workout Dept
600 E 84th Ave
Merrillville, IN 46410

**Please include a copy of the damage claim report & contractor proposal/estimate**
This will provide us with the details to process your claim efficiently.

• Documents and questions can also be emailed to: [email protected]

Centier Bank has a financial interest to ensure the home is repaired to the condition before the property loss. 

• You can either bring the check to a Centier Bank branch or mail the check with documentation to the following:

Centier Bank
ATTN: Loan Workout Dept
600 E 84th Ave
Merrillville, IN 46410

• We will deposit your claim funds into a Centier Bank deposit account or Hold  creating cashier checks for your repairs. Claim funds are then released as needed to begin work, contractor request.

• The first draw of funds will be released after all necessary forms,  insurance and/or contractor documents are received. 

• When your repairs are about 95% complete, contact us to request your final inspection.  The remaining funds (less inspection fee) will be released once the inspection is complete and the work is confirmed to be 100% complete per the damage claim report.

We use periodic inspections to confirm the progress of repairs. Our Third-Party Inspector will reach out to the homeowner or their contractor to schedule the inspection appointment. 

**Per your loan documents, all inspection fees will be paid from the funds of the insurance damage claim check. You may contact your insurance company for a possible refund.**

Please call the Loan Department at 1-888-236-8437 to speak to a Loan Workout representative or contact your local branch.

• Please call/email the Loan Workout Department or Branch when the work is 95% completed.
• These inspections must be completed for insurance claim funds to be released.

Payments to public adjusters or attorneys hired to help with an insurance claim are between the borrower and the third party.  We are unable to pay public adjusters or attorneys using the claim funds.  Any funds remaining after all work is 100% completed, and all contractors are paid will be released back to you.  You are responsible for payment to the Public Adjuster or Attorneys hired to assist with your claim.

• If you wish to use your insurance claim funds to pay off your mortgage, please contact the Loan Workout Department at 1-888-236-8437 to let us know your intention and request a payoff quote. The claim funds must be sufficient to pay off your loan.

Please contact your insurance agent for more information.  The bank cannot request additional claim funds on your behalf. 

If your loan is eligible, we will issue a check in the amount that exceeds your payoff once the loan is paid off and at $0.00 balance.

Contact your insurance company to report the claim. Your insurance company will send an adjuster to your home to assess your property damage, determine a claim settlement, and issue an insurance claim check.

No, you do not need a Centier Bank checking account to deposit your check. Funds can be held in a check and distributed as needed.

Email: [email protected]
Report damage, upload pictures and documents

Mail, Overnight Mail, or Certified Mail:
Centier Bank
ATTN: Loan Workout Dept
600 E 84th Ave
Merrillville, IN 46410

**Centier Bank recommends sending all insurance checks and documentation by mail with a tracking number. Costs are the responsibility of the borrower(s).**

• The funds issued by the insurance company are for the sole purpose of repairing the damage to the home.
• If claim funds remain after repairs are 100% complete, we can review a request to apply the funds to the loan.  If you decide to not repair the property, we will review your loan agreement, and the funds may be applied to the outstanding balance on the loan according to the terms of your mortgage.  
• For all consumer loans, please contact the Loan Workout Department at Centier Bank at 1-888-236-8437 for more information. 
• For commercial loans, please contact your Commercial Loan Officer for more information.

Prequalification can inform you about different mortgage options available to you and identify the most appropriate fit for your needs and goals.

Start My Prequalification

A fixed-rate mortgage has a stable interest rate throughout the loan term, providing predictable monthly payments. An ARM, on the other hand, has an interest rate that may change periodically, typically after an initial fixed period. Borrowers should consider their financial goals and risk tolerance when choosing between the two.

Closing costs are fees associated with finalizing the mortgage transaction. They may include loan origination fees, appraisal fees, title insurance, and more. Closing costs usually range from 2% to 5% of the home's purchase price. Some closing costs can be negotiated, and in some cases, the seller may contribute to these costs.

The down payment requirement varies, but it's often around 3% to 20% of the home's purchase price. Government-backed loans, such as FHA loans, may have lower down payment requirements. A higher down payment can lead to lower monthly payments and may impact the interest rate you receive.

Watch this video to learn how to eSign documents when completing your hybrid mortgage closing. Hybrid closings require you to eSign a portion of your closing documentation before closing with your Title company.

To change your address of account record, fill out the Change of Address or Temporary Change of Address form below and drop off at your nearest banking center. 

Personal Account Form

Business Account Form

You can conveniently update your address within our digital banking app. This can be done by following these simple steps:

1. Log into the digital banking app with your account credentials.
2. Locate Support Center in the main menu options.
3. Find the Submit A Form area and select Choose A Form To Submit.
4. Within the form selection window choose Change Of Address.
5. Follow all instructions and complete the form.
6. Select Submit to complete the form. 

Any type of transaction (digital, debit card, ATM, in-branch, etc.) can trigger a real-time alert. For debit card transactions, real-time alerts apply for Centier Consumer Debit and Business Debit cards only. They do not apply for HELOC cards.

Low Balance, Debit, or Deposit alerts can all be configured to be sent in real time.

Developing new products, hiring employees, acquisition, entering new markets — these activities require significant capital. Unless you’ve routinely set aside excess profits for such ventures, you may need to rely on outside financing sources like equity investors and/or lenders to fund your growth plans. 

Growing a company is a time-consuming undertaking. It may introduce unwanted changes to your life, such as more stress and less leisure time. Moreover, growth isn’t guaranteed, and you may find yourself spending more without realizing a positive return on investment. 

Scaling a business can expand your customer reach and, consequently, increase sales and pad your bottom line. This growth could enable you to continue expanding, reward employees for their contributions, and/or increase your personal profits. Depending on your industry, you may even attract investors or set yourself up for an exit. 

Employing a finance professional can help you navigate early operational challenges as well as keep records neat and tidy. That said, small businesses (or even startups with large scale ambitions) don't need to hire a CFO right away — a bookkeeper suffices for most initial financial responsibilities, like handling A/R and A/P. Consider hiring a bookkeeper, part-time or full-time, while you get your business off the ground and build a customer base.

The ideal level of debt varies from company to company — one may need extensive inventory financing while another solely requires an active line of credit for occasional office expenses. The majority of small businesses tend to carry less than $100,000 in debt on their books, however, it’s not unreasonable for growing businesses to borrow $250,000 or even $1 million as they expand operations.

Borrowing is common among all businesses, big and small, especially from traditional financial institutions like banks. According to the Small Business Credit Survey, nearly three in four firms had outstanding debt in 2021. Moreover, 90% of firms entrusted either a small or large bank with their financial needs.

Generally, businesses use financing to meet operating expenses and facilitate expansion as well as to acquire, replace, or repair assets. For example, credit cards can help with small expenses, such as office supplies or travel, while equipment financing can facilitate the purchase of key assets, like company vehicles.

Even if you aren’t immediately applying for financing, it’s wise to create and follow a plan. Think of your business plan as a roadmap for your company — it requires you to think through initial challenges while simultaneously directing you toward specific milestones and goals.  

An Employer Identification Number is a unique nine-digit number administered by the Internal Revenue Service that’s used to identify a business entity¹.  In many cases, businesses need to have EINs, however, there are situations in which it’s not necessarily required. For instance, if you operate as a sole proprietor, an EIN may be optional²

Business owners should open separate bank accounts for their businesses. For starters, it helps establish your business as a legitimate operation in the eyes of the IRS — versus a hobby. Moreover, distinguishing between your personal and company transactions can prevent unnecessary headaches during tax season¹

Lively will provide support for your new account by phone at 888-874-0517 or online chat and messaging at Centier.livelyme.com . Monday - Friday, 8am - 8pm CT

You will need to contact Autobooks directly to cancel your subscription.

Phone: 1-866-617-3122
Email: [email protected]

The monthly service for sending invoices and taking payments is free* and is part of your Mybiz or Mybiz Plus business checking online and mobile banking experience. Each time you accept a payment there is a small percentage transaction fee for each deposit item.

*Digital invoicing and payment acceptance services are free. A charge of 3.49% for card-based, 2.75% contactless, and 1% ACH-based transaction fees apply. There are no equipment costs or per-item charges. Once activated, accounting and reporting features are free for the first 30 days and then $10 per month thereafter.

Sign into your Mybiz or Mybiz Plus business checking account, online or through your mobile device. Click on the “Send Invoices” option on the navigation menu. A welcome screen will appear, where you will be prompted to accept the terms and conditions to continue.

To enroll in Autobooks, we prefer that you have or open a Mybiz or Mybiz Plus Business Checking Account. However, you can use your consumer account to enroll. To get started opening a MyBiz business checking account or to learn more about enrolling in Autobooks, please contact your nearest branch or please visit Centier.com/mybiz for more information.

Sign into your Mybiz or Mybiz Plus business checking online or through your mobile device to access the invoice and payments system. After inputting your business information, you will have access to create and send custom invoices to your customers, take payments, or use your personalized URL to email to customers or to add to your website to receive payments. You can keep track of your payments and invoices all in one place.

For more information about what Autobooks can do for your business Click Here.

Visit Centier to You for access to helpful financial materials! Below are just two examples of topics covered.

• Budget to Reach Financial Goals
• Good Savings Habits

Looking for more than just a checking account? At Centier we can help!

• Savings Accounts
• CDs & IRAs
• Health Savings Accounts
• Investment Services

When a Centier debit card enrolled in Samsung Pay expires or is replaced due to loss, theft fraud or chip card upgrade, manually remove the existing card and add the new card to the Samsung Pay app.

• Open the Samsung Pay app on your eligible mobile device.

• Scan in your card information with your devices camera. Secure your account with your fingerprint and a backup PIN.

• Samsung Pay will perform a quick validation with Centier before the card is ready to use.

Your online and mobile transaction history will remain intact.

Yes. Once you receive your new card, be sure to contact all merchants/billers and provide them with your new card information. For example, if you instructed your wireless provider to automatically charge your card each month for your wireless bill, you will need to contact your wireless provider and update your card information.

Your card image in Samsung Pay is a digital representation of your physical Centier debit card. The image you see in Samsung Pay may not be an exact copy of your Centier card.

If you replace or update your Samsung mobile device, your Centier debit card(s) enrolled in Samsung Pay will not be automatically transferred to the new device. You will need to set up Samsung Pay again and add your cards to the new device.

If your Samsung Pay device is ever lost or stolen, you can use Samsung Find My Mobile to remotely suspend or delete your Centier debit cards from Samsung Pay, or call Centier using the number found on the back of your card to suspend it for you. You can continue to make purchase using your physical card even when the device account number is suspended for Samsung Pay.

For security purposes, you may be asked to call Centier to verify your Centier debit card when adding it to Samsung Pay.

When using Samsung Pay, it’s easy to select a card other than your default card to make a purchase. After swiping up on your device screen to activate Samsung Pay, you can easily swipe left or right to select a different card before you make a payment.

Samsung Pay is not available on Samsung Gear devices at this time.

The return process will vary by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your Samsung Pay device over the contactless terminal or magnetic stripe card reader and wait for a confirmation message on the payment terminal to let you know the return has been processed. You must use the same Samsung Pay enabled device you used to purchase the item to process the return.

Samsung Pay can be used to make in-store payments at most merchants equipped with both contactless terminals and traditional magnetic stripe card readers.

Yes, Centier Visa® Debit Cards can be added to the following mobile payment systems – Apple Pay, Samsung Pay, and Google Pay.

For a list of compatible devices visit https://www.samsung.com/us/support/owners/app/samsung-pay

Centier clients can now add Centier Visa® Debit Cards to Samsung Pay.

Yes, you can add multiple Centier debit cards to Apple Pay on multiple compatible devices.

The first credit or debit card you add to the Wallet app or the Apple Watch® app will automatically become your default card. This is the card that will appear on your iPhone® or Apple Watch® when you use Apple Pay at a contactless payment reader when checking out. To change your default card, simply open settings and select the Wallet & Apple Pay tab on the iPhone® or the Apple Watch® app tab for Apple Watch® users.

If you replace or update your iPhone® or iPad® paired with your Apple Watch®, your Centier debit card(s) will not be transferred automatically. You will need to set up Apple Pay again and add your cards on the new device.

If your Apple Pay device is ever lost or stolen, you can use Find My iPhone® to easily suspend the device account number, or call Centier bank using the number found on the back of your card to suspend it for you. You can continue to make purchases using your physical card even when the device account number is suspended on Apple Pay.

When a card enrolled in Apple Pay expires, Centier will automatically update your card information within Apple Pay for you.

For any cards replaced due to loss, theft or fraud, you will need to add the card to Apple Pay as if it were new – either using the device camera or by manually adding the card information.

For security purposes, we may ask you to call or visit a Centier location to verify your card when adding it to Apple Pay. This is done to confirm your identity and protect your personal information.

When you hold your iPhone® over a contactless payment terminal to make a purchase, your default card will be displayed at the top of the screen and your other cards will appear stacked at the bottom. If you would like to use a card other than your default card to make the purchase, simply tap on the stack of cards at the bottom of the screen to view your other cards, select the one you would like to pay with and use your fingerprint or passcode to complete the purchase.

When making a purchase using the Apple Watch®, double tapping the small button on the side of the watch will display your default card ready for use. To pay with a card other than your default card, simply swipe up and down to select the card you would like to use and hold your watch face near the terminal to complete your purchase.

Yes, Apple Pay is available on the Apple Watch® and can be used to make purchases in-store at participating merchants. The Apple Watch® cannot be used to make in-app purchases at this time.

Yes, Apple Pay is available on the iPad® and can be used to make purchases within participating mobile apps. The iPad® cannot be used to make in-store purchases at this time.