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It depends on the features you value. EmPower Banking keeps everyday banking simple, Personal Checking has no monthly maintenance fee, Personal Plus Checking adds ATM fee rebates and home lending discounts and Personal Premium Checking earns interest on your balances. Our personal banking team can help you compare.
Frequently Asked Questions
Common Questions
Personal Banking FAQs
Find answers about accounts, borrowing, cards and digital banking. Still have a question? Our personal banking team is here to help.
Every Centreville Bank checking account includes Online Banking, Bill Pay, Mobile Check Deposit, Tap Debit Card with uChoose Rewards®, e-statements, Early Direct Deposit, Zelle®, custom account alerts, and access to ITMs with extended banking hours.
It depends on your timeline and balance. Personal Savings covers the basics, Personal Plus Savings rewards growing balances, the Personal Premium Money Market pairs premium rates with check writing, CDs lock in a rate for a set term and Club Accounts help you save all year for the season ahead. Our personal banking team can help you compare.
$25 for Personal Savings, $1,000 for Personal Plus Savings and CDs and $10,000 for the Personal Premium Money Market.
Yes. Personal Savings, Personal Plus Savings, and Personal Premium Money Market accounts earn interest. CDs earn interest at a fixed rate for a set term. Each account has its own features, rate structure, and minimum balance requirements. Visit the individual account pages or review the applicable disclosures for complete details.
Personal Plus Checking and Personal Premium Checking offer ATM fee benefits. Eligibility requirements, limitations, and other account terms may apply. Please review the applicable account disclosures and product details for complete information.
Traditional and Roth IRAs offer different tax benefits. Contributions to a Traditional IRA may be tax-deductible for eligible individuals, and earnings generally grow tax-deferred until withdrawal. Roth IRA contributions are made with after-tax dollars, and qualified withdrawals may be tax-free if applicable IRS requirements are satisfied. Eligibility, tax treatment, and withdrawal rules vary, so you may wish to consult a tax professional to determine which option is appropriate for your financial goals and circumstances.
The mortgage option that's right for you depends on your financial situation, homeownership goals, and borrowing needs. Centreville Bank offers a variety of mortgage products, including Fixed-Rate Mortgages, Adjustable-Rate Mortgages (ARMs), FHA Mortgages, Construction and Renovation Loans, and options for first-time homebuyers. Each loan type has different features, eligibility requirements, costs, and terms. Our mortgage lending team can help you compare available options and determine which may best meet your needs.
If you're purchasing your first home, our First-Time Homebuyers page is a helpful place to start. We also offer FHA Mortgage options for eligible borrowers. Each mortgage program has its own eligibility requirements, terms, and features. Since 1828, we have guided many families through buying their first home, and we will help you find the loan that fits.
A HELOC gives you a flexible line of credit to draw on as needed*, while a Home Equity Loan provides a lump sum with a fixed monthly payment.
Home improvements, debt consolidation and other costs like student debt or a new vehicle, or ongoing needs such as long-term projects and unexpected expenses.
Earn 1 point for every $4 you spend on all purchases with your Centreville Bank Debit Card, plus bonus points at select retailers. Redeem a minimum of 1,500 points for gift cards, merchandise and travel, and pay with points at Amazon, PayPal® and more. There is no enrollment fee, and points expire after 3 years. Terms and Conditions apply*.
The card comes standard with Identity Theft Resolution Services through Mastercard®, with 24/7 access to Certified Resolution Specialists at 800.622.7747, plus fraud monitoring for all our customers.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and Mastercard International Incorporated. Zero Fraud Liability means you will not be liable for fraudulent purchases when your card is lost or stolen; certain conditions and limitations may apply*.
You can add your debit card to a mobile wallet, send and receive money with Zelle®, earn uChoose Rewards® points on debit purchases and manage your card with CardCentre. Online Banking and our Mobile Banking App bring it all together*.
No. Mobile wallets use Apple Pay®, Google Pay™ or Samsung Pay® on your phone, and Zelle®, Card Centre and your rewards are all available through Centreville Bank Online and Mobile Banking*.
Make account transfers and bank-to-bank transfers, view balance and transaction histories, manage Account Alerts, make digital loan and bill payments, receive eStatements and reorder checks online. Prefer to call? Reach phone banking at 888.823.6077.
Send and receive money with Zelle®, deposit checks with your phone’s camera and customize account alerts. Enroll in Online Banking first, then download the app from the App Store® or Google Play™.
Monitor when balances go below (or above) a certain level, when a purchase above a certain dollar amount is made, or when your password is changed. Choose to be notified by email, text message or push notification.
Open online, visit your local branch or reach out to our personal banking team. For loans, our personal lending team will answer your questions and help you find the right fit.
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Disclosure:
*Online and mobile banking services are subject to enrollment, account eligibility, and applicable terms and conditions. Not all services are available for all accounts. Message and data rates may apply.
Zelle® and related marks are trademarks of Early Warning Services, LLC® and are used under license.
ATM fee benefits, rewards programs, and network access are subject to applicable program terms, conditions, limitations, and eligibility requirements.
Unauthorized transaction protection is subject to applicable terms, conditions, and reporting requirements. Please review your cardholder agreement for complete details.
All loans are subject to credit approval, underwriting standards, and property eligibility requirements. Rates, terms, and program availability may vary. Home Equity Lines of Credit (HELOCs) typically feature variable interest rates that may change over time. The amount you can borrow at any time is based on your credit limit and will be reduced by any outstanding balance.
Third-party trademarks, service marks, and logos are the property of their respective owners.
Centreville Bank does not provide tax advice. Consult a qualified tax professional regarding your personal situation.