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Other Services

Visa Check Cards

  • No annual fee
  • No charge for cash withdrawals at Centera Bank terminals, with a limit of $200.00 per day
  • Balance inquiry at Non-Proprietary ATMs $2.00
  • Withdrawal at Non-Proprietary ATMs $2.00
  • Denied transactions at Non-Proprietary ATMs $2.00
  • No Charge for point of sale transactions, with a limit of $1,000.00 per day
  • Replacement card fee $5.00 per card

Instakey Cards

  • No annual fee
  • No charge for cash withdrawals at Centera Bank terminals, with a limit of $200.00 per day
  • Balance inquiry at Non-Proprietary ATMs $2.00
  • Withdrawal at Non-Proprietary ATMs $2.00
  • Denied transactions at Non-Proprietary ATMs $2.00
  • No Charge for point of sale transactions, with a limit of $1,000.00 per day
  • Replacement card fee $5.00 per card

Electronic Funds Transfer

  • No charge for pre-authorized EFT's
  • Direct Deposit
  • US Treasury Department or other financial institutions
  • Pay certain recurring bills

Cashier's Check

  • Unlimited amount
  • $10.00 per cashier check
  • Stop payments not accepted

Money Wires

  • $20.00 fee for outgoing wires
  • $65.00 fee for outgoing international wires
 
Expedited Funds Availability Act Regulation CC Amendments

The Federal Reserve and Consumer Financial Protection Bureau recently amended the regulation that implemented the Expedited Funds Availability Act, which controls when banks must make deposited funds available, and the amounts that must be made available.

Effective July 1, 2020, the following changes will be made to the Bank’s Funds Availability Schedule

  • The funds available on the next business day for local checks deposited will increase from $200 to $225
  • The funds available for a large deposit exception hold will increase from $5,000 to $5,525
  • The exception hold for repeatedly overdrawn accounts that applies when the account balance is negative on two or more banking days within the previous six months has increase from $5000 to $5525