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Please accept our apologies.

Our Contact Center is experiencing issues which may result in dropped calls, and/or wait times that are longer than usual.

CentraPhone – Bank By Phone – 800-458-4771

Our System Conversion is complete.

Thank you for your patience while we implemented these changes.

The new system allows us to serve you better in the long-term with quicker service in branch, a more personalized banking experience, and added functionality in Online and Mobile Banking. You may also notice improved speeds to our Online and Mobile Banking systems. By temporarily reducing the available transaction history to 30 days, and showing all older transactions on eStatements, we are able to improve speeds and reduce potential outages.

You will continue to have access to 24 months of eStatements though Online and Mobile Banking. If you’re not signed up for eStatements yet, you can learn more here.

What has changed?

Special Instructions for Joint Accounts

To access your joint account:
• Go to the account login box at
• DO NOT enter a user ID
• Click “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”

New Member Number and Changes in Account Numbers

You should have received a new Member Number in the mail. With this new number, you will have access to all your accounts in one place. Please call 800-232-3642 if you do not have a your new number.

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.

Online and Mobile banking set-up after conversion

For initial login to Online or Mobile Banking after May 7, you can use your current User ID 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 800-232-3642 and a Contact Center Representative will be happy to assist you.

How to Troubleshoot Enrolling in Online and Mobile Banking

When enrolling in Online and Mobile Banking, it is important to enter the same information in the enrollment form that you have on file with Centra. If you’re unsure what you have on file with Centra, please give us a call at 800-232-3642.

You will need to enroll or re-enroll in Online and Mobile Banking from a desktop or laptop computer. You will NOT be able to enroll or re-enroll from the Mobile App.

When enrolling or re-enrolling, please use the dropdown calendar to select your date of birth. Do not type in your DOB.

If you are re-enrolling for Online and Mobile Banking, you will need to choose a new User ID that is different from your previous User ID.

If you are currently enrolled in Online and Mobile Banking, you cannot re-enroll because you will already have a record in our system. Instead, you can reset your password to login and then set your User ID to anything you’d like to use under the “My Profile” tab in Online and Mobile Banking.

Enrolling in BillPayer

Members who re-enrolled in Online and Mobile Banking will also need to re-enroll in BillPayer and set up their bills and payments. We are truly sorry for this inconvenience and we’re here to help if you have any issues setting up your new BillPayer account.

Activating Your Debit Card

If you are having problems activating your Centra debit card, please note, the new number for activation is 800-992-3808.

Accessing CentraPhone

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 call because the menu has changed. If you have any problems using CentraPhone, please call 800-232-3642 and a Contact Center Representative will be happy to assist you.

New Online and Mobile Banking Features

Online and Mobile Banking are now even easier to use! Create any User ID you’d like, and once you sign in, you’ll see all your Centra accounts in one location. You can even use your fingerprint to sign into our Mobile app.

You also have new features to help 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. Set-up savings goals and budget to reach them each month.

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.

We are working to restore direct connection between your Centra accounts and Quicken, but at this time, we are unable to provide a timeline for completion.

Still have questions?