Central Bank's Response to COVID-19

The health and safety of our customers, employees, and communities is of the utmost importance to us at Central Bank. In accordance with government guidelines, and to help further prevent the spread of Coronavirus (COVID-19), we are offering customers full-service banking through our drive-thru and will accommodate urgent requests by contacting your branch for an appointment.

Only a few of our branches located inside retail stores without a drive-thru or Video Teller, have temporarily closed in our Jefferson City, Branson, and Lake of the Ozarks markets. ATMs remain available at all of our locations. If your preferred location does not have drive-thru access, please visit our locations page for details and hours about the nearest location with a drive-thru, and/or Video Teller. All Video Teller locations are available from 7 a.m. to 7 p.m., Monday through Saturday. If you need to use one of our drive-thru services, we appreciate your patience as we work as quickly as possible to serve you.

Ways We Are Helping Customers Affected With COVID-19.

If you have a financial hardship that is not listed below, we would be happy to speak with you about your unique situation. We also ask for your understanding and appreciate your patience if you experience longer than normal wait times or if we need to transfer your call to an appropriate person to better help you. 

For Business Customers

Commercial Assistance:

We are here to help any commercial or business customer. We have several programs and options to help. However, due to the complexity of each unique situation, we ask that you contact your commercial lender, representative, or the bank for assistance. 

SBA Relief Information

As a Small Business Administration (SBA) preferred lender, we are fully participating in The Coronavirus Aid, Relief, and Economic Security Act (CARES Act). With decades of experience working with the SBA, we are ready to help you with the Payroll Protection Program. To learn more about this and to start the process, please click the button below.

SBA Paycheck Protection Program

We are also pleased to help you with SBA Disaster Relief program/loans. For more information about this, please click the button below.

SBA Disaster Relief Program

For Personal Customers

Day-To-Day Finances:

If you are having a hard time keeping up with your day-to-day finances as a result of COVID-19, we have a program that can provide individuals cash advances or loans to help with essential needs. Please contact us and we will walk you through the details.

Existing customers may qualify for low to no interest loans from now until June 30, 2020. Account must be in good standing, subject to credit approval.

Additionally, Certificate of Deposit (CD) customers may withdraw up to $10,000 without penalties or fees. 

Auto/Installment Loans:

Starting immediately, we may allow installment loan customers to defer payments for a month at a time as needed, with no fee, no change in rate, with continued accrued interest*. The deferred payments will not be reported to the credit bureaus.  

Credit Card:

Starting immediately, we are allowing credit card customers to skip payments* in the April 1, 2020 – May 30, 2020 timeframe with no fee, no change in rate or terms, with continued accrued interest only. The skipped payments will not be reported to the credit bureaus. 

Mortgage Relief:

Starting immediately, there is a 60 day moratorium on foreclosures for most mortgage loans through May 18, 2020. If a borrower becomes delinquent as a result of COVID-19, we will not report to the credit bureau. Please contact us if you are unsure if your loan is covered. 

Stimulus Checks from the Government:

For more information about Stimulus Checks, please visit the IRS website at https://www.irs.gov/newsroom/economic-impact-payments-what-you-need-to-know.

For Central Bank Employees

We understand that banking is an essential business as defined by the government and we are very thankful for our hardworking employees. We are moving as quickly as possible to serve you and we appreciate your patience during this situation. We are pleased to offer several resources to our employees during this time; including 100% paid leave for those who have been exposed, contracted, or need to take care of family who have contracted COVID-19. Additionally, we are offering our employees 100% paid leave if they need to stay home to watch their small children due to closed schools and daycares. 

More Bank Information

Digital Banking

• We encourage our customers to use their digital banking tools, like Mobile Check Deposit, Zelle, Apple Pay, Google Pay, Bill Pay, and mobile alerts.

• If you have not enrolled in online banking, you can do so HERE

• After you have enrolled, you can download our iOS app or our Android app.

• If you need assistance while using online banking, you can always initiate a live chat or send us a secure email and we will answer your questions and address your concerns as quickly as possible.

• Please be aware of scams during this time. We will never text you or call you asking for personal information. Please send us any suspicious emails or texts to ReportPhishing@centralbancompany.com or call our fraud department at (866) 236-8744 if you feel as though you may be a victim of a scam.

Other Banking Information

• We are implementing our established preparedness plans to ensure business continuity and the ability to serve all of our customers.

• These plans, established well in advance of this situation, allow us to adjust to the needs of our customers and employees as things evolve. 

• For business customers, we will continue to process your payments and transactions while maintaining sufficient collateral for your deposits. For additional questions, please contact us or contact your business banker. 

• Central Investment Advisors’ customers are encouraged to contact their representative via phone or email. However, we are accepting appointments if necessary. 

• The 2019 tax filing deadline has been extended to 7/15/20. This allows Health Savings Account (HSA) customers to also continue making 2019 contributions until 7/15/2020.

• Most major medical plans are providing COVID testing at no cost. Any costs that are not covered can be paid for with your HSA funds.

• Over the counter (OTC) drugs and medicines no longer require a prescription in order to be eligible HSA expenses.

Contact Information and Appointments

• Our call center is open, and customers can contact us at (866) 236-8744 during normal business hours.

• If you need access to a safe deposit box, please tell our associate at the drive-thru or call ahead and schedule an appointment with us. Update: In our St. Louis market, we are offering emergency safe deposit box access only.

• To schedule a branch lobby appointment, please visit our locations page and search for the branch you wish to contact, the phone number will be listed along with the branch address.

• Please make sure your mobile phone number, email address, and mobile banking alerts are up-to-date for all of your accounts so you can receive timely information from us.

Frequently Asked Questions

Please look at our programs listed above or contact us to discuss your unique situation.



We are increasing our already rigorous sanitation policies and wiping down ATMs regularly. Our tellers and branch staff are regularly washing hands and using hand sanitizer or gloves when they handle money. We are also sanitizing drive-thru tubes and canisters as often as possible.



We are taking additional measures to clean and sanitize tables, desks, pen stations, signature pads, and key pads as often as possible. Our employees are regularly washing their hands and have hand sanitizer with more than 60% alcohol available in each branch. Employees have been instructed to stay home when they are not feeling well.



Employees have been provided with information on how to stay healthy to avoid illness through proper hygiene practices, and are instructed to stay home when they are not feeling well. We have increased the frequency of our already rigorous sanitation efforts by employees and cleaning staff.



There are many ways to get in touch with us. You can call (866) 749-5344, live chat inside online banking, or send us a secure email. We will answer your questions and address your concerns as quickly as possible.



It’s always a great idea to have extra savings, especially in the event you get sick or are unable to leave your home. If you have a Health Savings Account, you can use it for medical costs potentially incurred by Coronavirus (COVID-19) treatment and testing. 



No. While it may give you a sense of control over the situation, you do not need to withdraw cash and your money is insured by the FDIC. 



Nothing. The government will send out paper checks to those who haven’t provided direct deposit information through their tax return. If you have provided direct deposit information, the money will be direct deposited into your designated account. Please note: nobody will contact you to ask for PayPal, Bank Account numbers, or Social Security Number to verify your stimulus check - this is a scam.



The government currently estimates that checks will be sent out around the third week of April but you might want to follow news reports to get the latest information.



For more information about Stimulus Checks, please visit the IRS website at https://www.irs.gov/newsroom/economic-impact-payments-what-you-need-to-know.