giant Services

Direct Deposit

Whether it’s your paycheck, Social Security, veteran’s benefits or pension, Direct Deposit ensures access to your funds on payday. You don’t need to mail in your check, Direct Deposit saves you time and worry.

To arrange Direct Deposit into any of your accounts…

For your payroll:

  1. Find out if your employer participates in a direct deposit program with an Automated Clearing House (ACH).

- If your employer does not participate in a direct deposit program this feature will be unavailable to you.

2. Provide your employer with a voided check.

For your government checks:

  • In most cases, your Government Direct Deposit can be processed more efficiently by contacting the Social Security Administration at (800) 772-1213. Please list the routing and transit (R/T) number as 082902757.

For more information regarding Direct Deposit/ACH or if you have any questions for us, please Contact Us or get connected with a personal banker toll free at (877) 446-4200. We look forward to hearing from you! MasterCard® Debit Card*

Enjoy the convenience of anywhere, anytime access to cash with your MasterCard® Debit Card for FREE! With, you have access to ATM Networks including the NYCE and Presto networks, with more than 16 Million ATM locations combined!

Looking for the nearest network ATM? Click here for the Presto ATM Locator, click here for the NYCE ATM locator.


Additional Features:

  • ATM withdrawals made at any Presto ATM are currently FREE of a service charge
  • We do not charge a fee for the use of your MasterCard® Debit Card at automated teller machines that are not operated by us
  • We waive the fees for all ATM withdrawals assessed by other financial institutions during our nightly update.
  • To apply for a MasterCard® Debit Card, please go to Contact Us or give us a call TOLL FREE at (877) 446-4200
  • To report a lost or stolen card after hours, please call: (800) 236-2442.

*Must have checking account to receive debit card. Replacement fees may apply.

Check Imaging provides check imaging to simplify record-keeping and reduce storage requirements for cancelled checks.

Additional Features:

  • Quickly and easily research paid checks using your personal computer.
  • View check images on screen to review signatures, endorsements, and MICR encoding.
  • Reduces costs associated with storing paid checks.


You can obtain your check images through Online Banking or by calling your personal banker at (877) 446-4200.

Telephone Banking

Your account is only a phone call away. Anytime. Anywhere.’s Telephone Banking service gives you instant access to your account relationship when it’s convenient for you.

Additional Features:

  • Check your account balance(s)
  • Transfer funds between accounts
  • Hear recent account activity
  • Search transaction history


For more information regarding Telephone Banking or to speak to a Personal Banker, we can be reached by phone at (877) 446-4200 or email us using the fillable Contact Us form.

Wire Transfers

To request a Domestic or International wire transfer from your account, please contact one of our Personal Bankers by phone at (877) 446-4200 or email at


Quicken® and QuickBooks® Guides

If you are using Quicken® or QuickBooks®, you may be accustomed to downloading your transactions manually using Online Banking. However, now offers automated transaction downloads through the same Intuit® services. This is made possible through the Direct Connect service. As of June 26, 2018, the following fees apply when enrolling commercial accounts.

  • Only $5.99/per month for unlimited access through Quicken®
  • Only $9.99/per month for unlimited access through QuickBooks®

Additionally, for customers utilizing Quicken® or QuickBooks® for Windows®, we are pleased to offer transfer functionality between your deposit accounts.

Listed below are instructions based on your software (Quicken®, QuickBooks®) and operating system (Microsoft Windows® or Mac OS®). Please locate and download your relevant instructions for details about how to upgrade to the Direct Connect Service. If you prefer to continue updating your accounts manually, you may do so. This new service is entirely optional.

Also listed below are guides with instructions on performing transfers. Again, at this time transfers are only supported in Quicken® and QuickBooks® for Windows®.

Online Banking Customer Documents

Quicken® and QuickBooks® Transfer Guides


If you have questions please do not hesitate to reach out to our specialists by calling (877) 446-2400 during normal business hours Monday-Friday, 8:00 am ET to 6:00 pm ET.

Retirement Accounts

It’s important to save for retirement, but you should also consider how those savings will be taxed when you need them. Open an Individual Retirement Account (IRA)* with that allows you to get the most of out of your hard-earned retirement savings.

Look into an IRA at

  • Open with a $1,000 minimum deposit
  • We offer a variety of terms from 12 months to 60 months
  • Online balance information

Please note the interest rate applied to your account is established at the time of acceptance of a completed and approved application along with receipt of funds for the opening deposit.

Contact your Personal Banker today at (877) 446-4200 to apply for your IRA!

*Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties by the Internal Revenue Service. These accounts are not available for brokered deposits. Rates are subject to change without notification. Certain fees may reduce earnings., a division of Centennial Bank does not offer or provide legal or tax advice. Please consult your attorney and/or tax advisor for such services.