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Important Information

Since 1940 every decision Centra has made has been Centered Around You. As our credit union has grown, we have remained committed to going above and beyond for our Members. It has become clear that our system will no longer support our basic needs or allow us to continue providing excellent service for our Members. An update to our Internal Systems is necessary.

What will the impact be for me?

During the weekend of May 5-7, we must temporarily close all locations.

Online Banking, Mobile Banking, CentraPhone, and Shared Branching will be unavailable during this time.

Mobile Deposits will also be unavailable on May 4.

You can still use your Centra Debit and Credit cards, and you will have access to ATMs. Additionally, all automatic payments and deposits will post as scheduled.

What is Changing?

Soon, you’ll receive a new Member Number in the mail. With this new number, you will have access to all your accounts in one place.

After our system upgrade, each of your accounts will have its own number and may be slightly different than the number you have used previously. Though your account numbers may be slightly different than what you’re accustomed to, there will be no changes to existing checks, direct deposits or automatic or regular payments. When setting up direct deposits or automatic payments in the future, you will need to provide your new account numbers.

To access your joint account:
• Go to the account login box at
• DO NOT enter a member number but click “Submit”
• On the next page choose “Register” just below the login box
• Accept the Online and Mobile Banking Disclosure and then complete the registration fields on the next page and hit “Submit”

After creating your own login username and password, you will be able to see all of your Centra accounts, so you will not need to maintain multiple logins if you have multiple accounts. If you already have login information for another Centra account that is NOT a joint account, you will be able to access your joint account from that login as well.

When this new service becomes available on Monday, May 7, 2018, our system will no longer support a single login that both owners of a joint account use. If you only access Online and Mobile Banking using login information for a joint account, you and the other joint owner will need to create your own individual login username and password after May 7. This change represents a new layer of added security for your joint account and allows you to customize your Online and Mobile banking profile.

After May 7, instead of using your account number to access CentraPhone, you will use your new Member Number, which you should have received in the mail. Additionally, you will use the last four digits of your Social Security Number as your PIN the first time you log in after May 7. You will be prompted to change your PIN after you log in the first time. Please be attentive the first time you log in to changes in menu options. If you have any problems using CentraPhone, please call 1-800-232-3642 and a Contact Center Representative will be happy to assist you.

For initial login to Online or Mobile Banking after May 7, you can use your current username and password. You will notice that you can access all accounts with a single User ID – you no longer need multiple User IDs for all accounts. You may also change your User ID if you wish. Simply click on the “Profile” tab on the top right of the screen, select “Profile Updates” and then “Change User ID.” You can then type in any User ID between 8 and 26 characters using letters and numbers.Click “Update” to complete the process.

If the User ID is entered incorrectly it will give you false security questions that you did not answer when you set up the account. If you are having issues logging in please contact us at 1-800-232-3642 and a Contact Center Representative will be happy to assist you.

With the internal system improvements, Online and Mobile Banking will be even easier to use! Soon, you will be able to access all your Centra accounts with a single Member Number, create any login username you’d like, link in outside accounts for a better overall picture of your finances, and so much more!

With these updates, you will also have new functions to help you create a budget, monitor your spending and save for goals. You can access these budgeting tools under the “Spending” tab in both Online and Mobile Banking. You can even link non-Centra accounts so you can view all your balances and transactions in one place and get a better view of your total financial picture. You will be able to create a budget based on your monthly income using the pre-set spending categories, or create your own spending categories. Once you place an expense or debit in a certain category, it will be automatically added to that category in the future. You can also set-up savings goals and budget to reach them each month. Fingerprint recognition will be available after May 7 as well.

You will be able to use the fingerprint stored in your mobile device to sign into your account in the Mobile App. These Online and Mobile Banking updates will not impact your other Online and Mobile Banking features.

After these are implemented, you will still have access to Mobile Deposit, Account-to-Account Transfers, Account Alerts, eStatements, BillPayer, and Fast Balance on Mobile.

How can I prepare for this?

Make sure you check your account balances before May 5 and then closely monitor your spending over the weekend to avoid overdrafts.

Please be reminded that we will have extended Contact Center hours over the weekend of May 5-7.

  • 8:30 to 5 p.m. on Saturday, May 5
  • 12 pm to 5 pm on Sunday, May 6
  • 8 am to 6 pm on Monday, May 7

You can reach the Contact Center at 1-800-232-3642.

Please note, the Contact Center will not be able to transact on your account during this time, but they will be able to provide balances and transactions as of 7:00 PM on Friday, May 4.

Updating your Mobile App

If you’re experiencing issues logging into your Centra Mobile Banking App after Monday, May 7, please check your app store for updates. If an update is not yet available, you will need to delete your old app and download the new app from the App Store or Google Play.

notice to quicken users

To get your Centra account information into Quicken, you will need to choose WebConnect from the My Accounts menu, select the account and dates for the information you need and click Download to Quicken. Direct connection between your Centra accounts and Quicken will be available soon after our system upgrades are complete in early May.

Still have questions?