Banking Services

From debit card design choices to rewards or low rate MasterCard® credit cards, notary public services, reloadable VISA cards and over 50 free financial calculators Century Bank and Trust makes banking easier for you.

Century offers the following products and services to help you meet your financial needs. Customize your accounts with the following services and choose just what you need to make your financial experience a success.


ATMs

Bank 24/7 when it’s most convenient for you! Our debit and ATM Cards are accepted world-wide for easy access to your money, no matter where you travel. There are several Century Bank and Trust ATM's conveniently located throughout Branch, Hillsdale and St. Joseph Counties. To view a complete list of Century ATMs or to view them on a map visit our locations page.

ATM Locations


CardValet (App Only)

CardValet is the SMARTER way to manage and protect your debit card. Control where, when and how your card is used, while safeguarding from fraud. Download the CardValet app via Gooleplay or iTunes. CardValet options include:

Turn Card OFF: When your card is ON, transactions are allowed in accordance with your control settings. When the card is OFF, no purchases or withdrawals are approved. This control can be used to disable a lost or stolen card.

Control Locations or Regions of where your card is authorized to be used.

Merchant Types: Allows you to set debit card limits for the types of merchants allowed.

Thresholds: You can set user thresholds to help control debit card spending.

Alert Preferences: CardValet can send you real-time push notifications, such as alerts when your balance is low or when your card is used.

Monitor Transactions: You can view posted transactions via CardValet, to help monitor and control spending.

Step by Step Guide


Cashier's Check

Cashier’s Checks, also known as an “Official Check” are typically used for higher dollar purchases when a personal check is not accepted. Cashier's Checks can be purchased at any Century Bank and Trust Office. To find the office location nearest to you, visit our locations page.

Office Locations


Credit Cards

Our personal credit cards offer a variety of options to suit just about anyone. 

Low-Rate Card’s Exclusive Benefit

Lower, competitive annual percentage rate (APR)**

Preferred Points Card Exclusive Benefit

Earn one point for each dollar spent on net purchases, up to 10,000 points per billing cycle.

  • Redeem rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise (see brochure at our branch)
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call (866) 678-5191

Benefits Available To Both Card Types

  • Low introductory rate for first six months**
  • Same APR** for purchases and cash advances
  • Cash advances for up to 50% of the credit line
  • 25-day interest-free grace period on all purchases, no grace period on cash advances
  • 24-hour, toll-free, live customer assistance available at 800.367.7576
  • Online account information available 24/7 at www.cardaccount.net

To apply, click on "Apply" below; type in the information required and then print the application (you cannot save the document, so print an extra copy for yourself); or print it and then complete it using a blue or black pen. Paper applications are also available at any of our Century Bank and Trust offices. Fax your completed application to the Card Service Center at (972) 650-7054.

Or mail your completed application to:

Card Service Center

P.O. Box 569120

Dallas, TX 75356-9120

Apply

** Please see application for information about current APRs and fees.

MasterCard® is a registered trademark of MasterCard® International Incorporated.


Debit MasterCard® with Chip Card Technology

Our Debit MasterCard® looks like a credit card but acts like a check. With this card, you are able to make purchases at millions of locations worldwide that accept MasterCard®. The Debit MasterCard® also provides you with access to your funds through any ATM and free access through any Century Bank and Trust ATM.

MasterCard® is a registered trademark of MasterCard® International Incorporated.


Direct Deposit

Direct Deposit gives you the freedom to have your payroll, social security, dividend payments, or other income source deposited electronically in your checking or savings account. Your money will arrive quickly and safely into your account each and every time. Direct Deposit reduces the time spent having to drive to the bank to deposit your check, and eliminates the need to make special arrangements when absent or on vacation. If you are interested in setting up direct deposit, please contact your payer (employer, company, investment firm) to see if they offer direct deposit. If they offer direct deposit, ask them for an authorization form to get your direct deposit setup. If you need any help completing the setup form, plesae give us a call Toll Free at (866) 680-2265 or visit the contact us link below.

Century Bank and Trust's routing number is 072404883


Medallion Signature Guarantee

A Medallion Stamp Guarantee is an official stamp used to verify ownership and authority for transfer of assets. Signature guarantees protect shareholders by preventing unauthorized transfers and possible investor losses and limit the liability of the agent who accepts the certificates.

In order to utilize this service you must be a customer of Century Bank and Trust. Contact us to schedule an appointment with a certified Medallion stamp holder.


Notary Public

Century Bank and Trust offers notary services at all lobby locations. A notary public is a public officer constituted by law to serve the public by authenticating the execution of certain classes of documents. Ask to speak to one of our state authorized notary public for this service.


Reloadable VISA Card (only available for current Century Bank and Trust customers)

Our VISA Smart Banking Card is a reloadable VISA card that is:

  • Convenient
  • Safer Than Cash
  • Reloadable
  • Get Paid Faster

With your reloadable VISA card, you will enjoy easier access to your money: 

  • Use it everywhere VISA is accepted
  • Pay utility and other bills online or by phone
  • Pay for gas, groceries and more
  • Get cash from ATMs and cash back when making a purchase

How to make a purchase:

  • Present your card to the cashier
  • Select a credit or debit purchase
  • The purchase price will be deducted from your card

Stop by any Century Bank and Trust office to get your reloadable VISA card today! Or click the link below to view reloadable card Frequently Asked Questions. (only available for current Century Bank and Trust customers)


Reorder Checks

Running low on checks? Save yourself time and order them online 24/7 from the convenience of your computer using Harland Clarke's secure website.

Order Checks 

If you would like assistance in ordering checks, call (517) 278-1500 or Toll Free (866) 680-BANK and ask to speak with one of our friendly customer service representatives. Or contact us online today!


VISA Gift Cards

VISA® Gift Cards are the perfect gift! Use them world-wide, anywhere VISA® cards are excepted.

Are you interested in purchasing a VISA® gift card? Customers and non-customers can choose to order online or stop by any Century office to order cards locally. Cards are issued starting at $25 up to $750.

VISA® Gift Card balances can be obtained online at www.harlandclarkegiftcard.com or by calling Toll Free (866) 244-5360. Cards expire on the date shown on the front of the card or when the balance is $0, whichever comes first.

Order Online 

Visa® is a registered trademarks of the Visa International Service Association and is used by the issuer pursuant to license from Visa® U.S.A. Inc.


Wire Transfers

Is time of the essence? We can help with our wire transfer service. Get money transferred to any financial institution within the United States, usually on the same business day. Visit any of our walk in offices to request a wire transfer. To find the office nearest you, visit our locations page.


Safe Deposit Boxes

A great way to protect and secure your legal documents, family valuables, and other confidential items.

Safe Deposit Box Locations and Pricing

Coldwater

100 W. Chicago St.

Coldwater, MI 49036

(517) 278-1500

Nottawa

25985 M-86

Nottawa, MI 49075

(269) 467-9615

Reading

108 N. Main St.

Reading, MI 49274

(517) 283-2148

Quincy

109 W. Chicago St

Quincy, MI 49082

(517) 639-8800

Sturgis

300 W. Chicago St.

Sturgis, MI 49091

(269) 651-5491

Three Rivers

1310 W. Broadway

Three Rivers, MI 49093

(269) 273-3690


Box Size

3x5

Annual Fee $25

Annual Fee Discounted Rate $20*

5x5

Annual Fee $35

Annual Fee Discounted Rate $30*

3x10

Annual Fee $40

Annual Fee Discounted Rate $35*

5x10

Annual Fee $55

Annual Fee Discounted Rate $50*

10x10

Annual Fee $85

Annual Fee Discounted Rate $80*


*(With Automatic Debit From Checking or Savings)

Safe deposit boxes contents are: NOT FDIC INSURED * NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY * MAY LOSE VALUE * NOT GUARANTEED BY THE BANK * NOT A DEPOSIT

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