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.

Some of our locations are currently equipped to serve your banking needs by appointment and drive-thru only. Please call your location to make an appointment with a banker or if you need access to your safe deposit box. You may find each location’s contact information on our locations page. You can also use our drive-thru and/or Video Tellers. All of our Video Tellers are available from 7 a.m. to 7 p.m. Monday through Saturday. 

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. 

Stimulus Checks from the Government

The Federal Government will release stimulus checks starting the week of January 4th, 2021. Please continue to check the IRS website https://www.irs.gov/coronavirus/economic-impact-payments for more information about whether you qualify for a second round of stimulus payments.

The U.S. Treasury Department and IRS are also sending stimulus payments by prepaid debit cards to eligible recipients who have not received the payment by direct deposit or paper check. 

Please refer to our Second Round of Stimulus Checks - Here's What's Happening article for more information about using your prepaid debit card, and to read more the Relief Bill.

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.


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


For Personal Customers

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.

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.

Digital Banking

• We encourage our customers to use their digital banking tools, like Mobile Check DepositZelleApple PayGoogle PayBill 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 cbccustomerservice@centralbank.net.

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. 

• 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.