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Frequently Asked Questions

giantbank.com FAQ

How do I open a giantbank.com account?

To open a giantbank.com account, we require a completed and signed application along with the funds for the opening deposit. Simply click Open an Account from any page of our website to get started.

If you prefer to have an application mailed to you, simply call us toll free at (877) 446-4200 and a Personal Banker will assist you.

To open a new account with a wire transfer of funds,* please make a note on your application that includes the date the wire is being sent. Certificate of Deposit accounts may be opened with a faxed application to (954) 493-8969. For other types of accounts, an original signed application is required.

* Your Personal Banker will go over wiring instructions with you.



Do I have to be a US Citizen to open an account?

Yes. You must be a United States citizen with residency in the United States in order to Open an Account with us.



Are my deposits at giantbank.com FDIC Insured?

Yes. giantbank.com deposits and Centennial Bank deposits will be added together to determine coverage. giantbank.com is a division of Centennial Bank, a fully insured FDIC institution. Centennial's Certificate number is 11241. Please visit the FDIC website for more information regarding account insurance.



Do you have any Branch locations?

No. giantbank.com is an internet bank and we conduct our business via the internet, telephone or mail. Since giantbank.com is not burdened with the many costs of operating and staffing branches, we can offer you higher interest rates on products and less expensive and sometimes FREE services. Once you’ve found a product or service that best meets your needs, you may complete and submit an application by selecting Open an Account from any page of our website. The application process is designed to be very easy and will walk you through completing an application that you will print, sign and mail to us along with a check for the opening deposit.

If you would like to speak to a Personal Banker, please call us at (877) 446-4200. You can also reach us via e-mail.



Does giantbank.com have any ATMs?

giantbank.com participates in many of the networks available for ATM users, which gives you access to your funds at thousands of ATMs worldwide. Click here to locate the nearest ATM



Is there a charge to use an ATM?

giantbank.com does not charge a fee for ATM usage. We waive the fees for all ATM withdrawals assessed by other financial institutions during each nightly processing cycle.



I will be out of the country on vacation, where can I use my ATM/MasterCard Debit Card card?

To locate an ATM near you please visit our Other Services page.



What are your Certificate of Deposit (“CD”) rates?

Our current CD rates are located on our Personal Certificate of Deposit page.

If you wish to open an account please select “Open an Account”. This will walk you through completing and printing an application that you will mail in to us along with a check for the opening deposit.



Does giantbank.com guarantee rates?

No. You will receive the current rate of interest on the date that we receive a completed and approved application along with the funds for the opening deposit. If you wish to open a giantbank.com Certificate of Deposit (“CD”) account only, you can expedite the application process by selecting “Open an Account”, completing and printing the application, signing it and faxing to us at (954) 493-8969. You can then make arrangements to send us the opening deposit via Wire Transfer. Again, we will honor the current rate as of the date we receive the completed and approved application along with the funds.



How do I make a deposit to my account?

Deposits are accepted via mail, direct deposit or wire transfer.

  • Mail: Deposits can be mailed to us at:
    giantbank.com
    P.O.Box 100970
    Ft. Lauderdale, FL 33310-7899

  • Direct Deposit: If you are using direct deposit please use your 10-digit account number and giantbank.com’s ABA/routing number: 082902757
  • Wire Transfer: If you are going to wire the deposit funds, please transfer the funds to:  ABA 082902757


Can I set up ACH transfers with my giantbank.com account?

Yes. Automated Clearing House (“ACH”) transfers and other types of electronic funds transfers (“EFT”) are becoming commonplace in banking. Although giantbank.com is not an “originator” of these types of transfers, you may initiate them through another financial institution. ACH and EFT transactions may be made to your giantbank.com account(s).


  • Please note that there are limitations on the number of monthly transactions on money market accounts.


Helpful Hint: If you have a giantbank.com checking account and are enrolled in Online Bill Pay, you can transfer funds to your accounts at other banks by scheduling direct payments.


How do I redeem my Certificate of Deposit (“CD”)?

When you opened your giantbank.com Certificate of Deposit (“CD”) account, you received a Certificate of Deposit that stated the maturity date, interest rate, and other important information. If you wish to redeem your CD, simply sign the back of the original Certificate, or complete the Certificate of Deposit Change Form and return it to us at the following address:


           giantbank.com
           P.O. Box 100970
           Ft. Lauderdale, FL 33310-7899


You have several options regarding payment of funds: Deposit into another giantbank.com Account, Cashier’s Check or Wire Transfer:


Deposit Into Another giantbank.com Account:

If you have another giantbank.com account, such as a checking account, we will deposit the funds into the account at no cost to you. This is the quickest and easiest way to receive the funds.

Cashier’s Check:

We will mail a cashier’s check to the address on file for your CD at no cost to you.

Wire Transfer: 

If you wish to deposit the funds in an account with another financial institution, please contact one of our Personal Bankers at (877) 446-4200. Refer to the current Fee Schedule for applicable wire transfer fees.


Please Note: In order to avoid a penalty, we must receive your written request to redeem the CD within the ten (10) calendar day grace period. Please review our current rates prior to sending in your redemption request. Our current CD rates are located on our Personal Certificate of Deposit pages.



Does the giantbank.com Money Market Account come with checks? What are the fees associated with the Money Market Account? 

Yes. We do supply your initial order of 30 checks free with an approved giantbank.com Money Market Account – at no charge to you. Renewal check orders will be accompanied with a fee. Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six (6) per calendar month. If you exceed the total of six (6) withdrawals per statement period, an excess transaction fee of $10.00 per item will apply. Also, please note there is no minimum monthly balance to maintain!



Can I use Online Bill Payment with my giantbank.com Money Market Account?

No. Electronic withdrawals from a Money Market Account are available via ACH transfers, which must be initiated by another financial institution or payee (individual or company that is receiving the payment).

Please note that when setting up these payments you must indicate your Money Market Account as a checking account and not as a savings account.

Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six (6) per calendar month. If you exceed the total of six (6) withdrawals per statement period, an excess transaction fee of $10.00 per item will apply.



How do I close my Money Market or Checking Account?

If you wish to close your giantbank.com account due to interest rates, we ask that you first Contact Us to determine whether alternative account options are available to you. If you wish to close your giantbank.com account due to any other issue or problem, please don’t hesitate to Contact Us so that we may attempt to resolve the problem to your satisfaction. We value you as a customer and would appreciate the opportunity to maintain your banking relationship.In order to close your checking or money market account, please review the account activity and ensure that all checks/transactions have posted. Once all transactions have posted, please send us a letter with your signature requesting that the account be closed. The letter may be:

Faxed to: (954) 493-8969 or

Emailed to: help@giantbank.com, or

Mailed to

     giantbank.com
     P.O. Box 100970
     Ft. Lauderdale, FL 33310-7899


You can also bring your account balance to zero and then contact us by phone to close the account.If you have any third parties automatically debiting or crediting your accounts with us (such as mortgage payments or payroll direct deposit), we recommend that you immediately notify them upon the cancellation of your account.



I’m locked out of my giantbank.com account – Help!

In order to ensure the security of your financial information, we require that you call us toll free at (877) 446-4200 from 9am to 6pm Eastern Time for assistance with your giantbank.com online account(s). Simply inform one of our Personal Bankers that you need assistance accessing your account via the internet. The representative will ask certain questions to verify your authority to reset your login credentials.