Online Banking

Additional Banking Services

Debit Card Info Including Lost-Stolen-Fraud

Free Debit Card

Make purchases quicker, safer, and easier than with checks or cash. Your free Central Bank MasterCard® debit card is accepted for purchases virtually anywhere. You can also use it to withdraw cash or check balances 24 hours a day at any ATM.

  • • More convenient than writing checks
  • • Safer than carrying cash
  • • Access funds and account info at any ATM, 24/7
  • • No finance charges or late fees
  • • Accepted worldwide for purchases

Fees and Charges:

  • No annual card fee.
  • FREE Withdrawals at Central Bank and Publix Presto©
  • Central Bank does NOT charge you for using another bank to withdraw funds.  We are unable to control fees charged by the other bank. 


In an effort to help prevent Identity Theft and Fraud you may be required to use your PIN number to complete certain transactions. These transactions will be based upon national data involving fraud.

It will be important for you to know your PIN number. In transactions where you select Credit, the payment may be declined. If this happens simply repeat the payment selecting Debit and enter your PIN.

We understand that at times this may be inconvenient, and we apologize in advance. However, we are doing everything we can to help prevent you from Identity Theft and Fraud. Thank you for banking with Central Bank where we are always Focused on You.

Lost, Stolen or Fraud on your Debit Card?

To report lost, missing, stolen or unauthorized use:
During business hours, please call us immediately at 813-929-4477 or  866-518-2265.

Lost, Missing or stolen after hours: 888-297-3416

Fraud or Unauthorized use after hours: 800-237-8990
If you are outside the US, call 206-352-4990

When the bank detects suspected fraud, you may receive a fraud text from  short code 96923 or a text 888-297-3416 or a phone call.  We ask that you respond as quickly as possible to help prevent possible fraud on your card.  Thank you.


Reorder Checks

Reorder your checks.

Routing Number:  The routing number of Central Bank is:  063116203.

Safe Deposit Boxes

Keep your important papers and other belongings safe and in one place, with our reasonable safe deposit boxes.  They are available in numerous sizes. You can 'visit' your box as many times as you need, during normal lobby hours. 

You can have the annual fee automatically paid from your Central Bank checking or savings account-one less thing to worry about. All box sizes are not available at all locations.  Box sizes subject to availability.


Annual Price

3 x 5


5 x 5


3 x 10


5 x 10


10 x 10



Night Deposit

Drop off your after-hours deposits in our safe night drops located in our drive-thru. Deposits will be credited the morning of the next business day.  Deposit made at the night depository after 9 am - will not be processed until the following day.  If you need the funds deposited immediately, please see a teller or customer service representative.

Wire Transfers

If you are a Central Bank customer, enjoy the convenience of wire transfers. Money may be wired both domestically or to international locations. This is a convenient, quick and safe way to transfer large amounts of money. See our Miscellaneous Fee schedule  for more information.

When wiring domestic funds TO Central Bank, please use the following information:

Central Bank
20701 Bruce B. Downs Blvd.  Tampa, FL  33647
ABA/Routing # 063116203

For Final Credit To:

Central Bank Customer Name
Central Bank Customer Account Number



CenterState Bank of Florida, N.A.
400 Interstate North Parkway, Suite 1200
Atlanta, GA  30339
Swift Bic:  CSBKUS33
Routing:  063116737
Beneficiary:  Central Bank
Account:  20116141
For Further Credit to:
Central Bank Customer Name:
Central Bank Customer Account Number



Teller Services

 Teller Services for Customers Only

  • Cashiers checks
  • Notary Services
  • Signature Guarantee 

 Note: These services are for customers only.  See Fee Schedule.

Overdraft Protection


Sign up for Account to Account Overdraft Protection and if your checking account overdraws, we can transfer funds from a linked account.  For free.  So you do not need to worry when it is time to write a big check.  


From your savings or checking

  • Cover checks or drafts for insufficient funds
  • Funds transferred in increments of $50 from your other account
  • Easy to manage; transfers occur automatically upon overdraft
  • Easy set up process:
  • Funds must be available in your other Central Bank account to transfer.
    • Added peace of mind; know you are always covered