Personal Banking Frequently Asked Questions

You can open an account online or stop by any Central Bank location.

To open an account, you’ll need your social security number, birth date, employer name, U.S. street address, phone number, and email address.

You can find your account number on the bottom of your check (it is the second series of numbers) or by logging into Online Banking and viewing your Account Summary page.

You can find your routing number on the bottom of your check (it is the first series of numbers), by logging into Online Banking and viewing the Account Activity page, or on the Contact Us page of your bank.

Online Banking customers can order checks in just a few minutes either on our secure website or through our Mobile Banking app.

On our secure website (mobile and desktop):

1. Sign into your Online Banking Account
2. Select the "Additional Services" tab in the main navigation
3. Click the "Order Checks" link and follow the instructions

Not an Online Banking customer? Enroll in Online Banking today

On our mobile app:

1. Sign in to the mobile app
2. Navigate to your checking or savings account
3. Open the app navigation menu
4. Select the "Additional Services" tab 
5. Click the "Order Checks" link and follow the instructions

Don't have our mobile app? Download it today

We offer a variety of checking accounts based on your banking needs. You can compare our checking accounts and see the features of each here.

We offer a variety of short and long-term savings accounts based on your savings goals and retirement strategy. You can check out our savings account options here.

There may be a fee depending on the type of account you choose, however, in many cases the fees are avoidable. Explore your options here.

A cashier's check is a check guaranteed by a bank. It is also known as a bank check, official check, teller's check, bank draft or treasurer's check. They are usually treated as cash because most banks clear them instantly.

Visit your local Central Bank location to request a cashier's check.

A Savings Bond is a certificate of debt issued by the government that guarantees payment of the original debt plus interest after a specified future date. Series EE bonds are purchased at half of the face value, and Series I bonds are purchased at face value.

A Home Equity Loan is a loan that borrows against the equity in your home.

A Certificate of Deposit, or commonly referred to as a CD, is a certificate issued by a financial institution confirming a particular deposit. A CD has a maturity date, a specified interest rate, and can be issued in any denomination.

When you make a deposit to your account, we most often make the deposited funds available the next business day. But sometimes, we place a hold on a deposit. This means you may not have access to those funds until the next business day. The availability of funds depends on a number of factors, including how, when and where you made the deposit. When you deposit cash with a teller, funds are usually available immediately if the deposit was made before the cut-off time. This is also true if you make a deposit at an ATM or if you deposit a check written to you.

A memo post is a transaction that has not yet posted but is temporarily included in the current day's available balance until the nightly ledger update. The transaction is processed and cleared for the next day.

An overdraft occurs when you do not have enough money in your account to cover a payment you have authorized, but the bank pays it as an accommodation, trusting that you will repay the amount of the overdraft.

Instead of getting charged for bouncing a check, we have several options you can use to cover yourself in a pinch.

With Cash Reserve, you will receive an instant loan when you overdraw your account. If you pay off the loan quickly, you will pay much less than you would have with the bounced check fee. See your bank for details. You can also avoid fees on returned checks by linking your Central Bank Mastercard to your checking account. We'll automatically transfer funds from your credit card to cover the amount.

We have standard overdraft practices that come with your account. Instead of getting charged for bouncing a check, we have several different options you can use to cover yourself in a pinch. With Cash Reserve, you will receive an instant loan when you overdraw your account. If you pay it off the loan quickly, you will pay much less than you would have with the bounced check fee. You can also avoid fees on returned checks by linking your credit card to your checking account. We'll automatically transfer funds from your credit card to cover the amount.

The amendment prohibits financial institutions from charging consumers fees for paying overdrafts on ATM and everyday debit card transactions, unless a consumer consents in advance, or “opts-in,” to the overdraft service for those types of transactions.

If you want to keep the standard overdraft protection services on your debit card, you may choose to do one of the following:

• Log in to your Online Banking account
• Speak with a Customer Service Representative
• Visit us at any of our convenient branch locations

No. Unless you have signed up to link your checking account to another account such as an overdraft line of credit, the bank does not guarantee that your ATM and everyday debit card transaction will be paid even if you opt-in. These standard overdraft services are an accommodation provided at the bank’s discretion.

No. There are limited circumstances when it will not be possible for the bank to avoid paying an ATM or other debit card transaction you made, even if there is not enough money in your account. You should not assume that because the ATM or other debit card transaction goes through that there is enough money in your account to cover it. In these cases, the bank may not charge you an overdraft fee, but you still must repay the bank to cover the overdraft..

The easiest way to avoid overdrafts is to keep track of your transactions and balance. Alerts are a great way for you to stay informed about activity of your accounts. You can receive timely notifications via email or text messages to your cell phone. We’ll send you an alert if your account balance falls below a specified amount, if a direct deposit is made to your account, and for many other financial situations of your choosing. To sign up for alerts, log in to your Online Banking account.

Bill Pay allows you to easily send electronic bill payments by eliminating checks, envelopes, and stamps. You provide us the payee, the amount, the date to send, and the account to pull the funds. You can send one-time payments or recurring payments.

Bill Pay is available on Free Checking for a monthly fee. With MyChoice Checking. MaxMoney, and Preferred Interest, there is no monthly charge or fees for using Bill Pay, as long as you receive your bank statement electronically. Bill Pay is free on all other account options.

There is no limit to the number of bills you can pay.

We do not withdrawal money from your account in advance of the payment date. Funds are paid to your biller by either electronic draft or paper check drawn on your account. If the payment is sent as a paper check, the fund will not be debited from your account until the check is presented for payment and deposited by the payee.

No, only checking accounts or money market accounts can be used for bill payment purposes.

Our Bill Pay system is available 24 hours a day and 7 days a week. However, the cut-off time for each business day is 3:00 p.m. CST. After this time, each request will be processed the following business day. Bill Pay, along with Online and Mobile Banking, may be unavailable at certain times for brief periods due to system maintenance.

It depends. Sometimes payments can be sent directly to a business electronically if we have a banking relationship with them. Other times, a check must be cut and mailed to them. Typically, if the item can be sent electronically, it will arrive in 1-2 business days. If the check has to be mailed, it may take up to 5 business days to arrive based upon the speed of mail delivery. However, you do have the option to rush a payment.

You can pay virtually anyone in the United States from credit cards companies, utility companies, auto loans, and more. We are able to process any payments to federal, state, local tax agencies, and court-ordered payments; however, no payment guarantee will be associated with these payments.

Click on My Payees under Bill Pay. Here’s the information you will need when setting up a payee: payee name and mailing address, payee phone number, and the account number if you have one associated with the payee. You can assign nicknames so you can easily identify payees.

You may set up a payee and schedule the first payment in the same session.

Recurring payments can be scheduled for up to one year from today's date.

There is a maximum limit of $25,000 per business day for standard payments. For expedited payments, the limit is $10,000 per business day.  Please note that the limit is not based per item, but is instead based per day.

You have until 3:00 p.m. CST on the day the payment is to be sent to edit or delete a payment. To do so, simply visit the Bill Pay section in Online or Mobile Banking. Under 'Scheduled Payments', locate the payment you have scheduled to edit or delete.

An expedited payment is a payment that is delivered to the payee faster than standard payments, typically overnight. These payments are subject to a nominal convenience fee that is automatically debited from your funding account.

Payments submitted on a business day before 3:00 PM CST will be scheduled same day. Payments submitted after 3:00 PM, oron a non-business day (e.g. weekend or holiday) will be scheduled on the following business day.

In order to provide sufficient time for payments to be processed by your payees, the ‘Deliver By’ date must be at least one business day prior to the day your payment is due.

Direct Connect enables you to integrate your banking with your accounting software. With Intuit Quicken®/QuickBooks® you may connect directly to the bank’s OFX server to request account transactions, initiate transfers and send payment requests.

Open Financial Exchange (OFX) is the industry standard for electronic transfer of financial data between financial institutions (FIs), businesses and consumers via the Internet. OFX streamlines the delivery of financial information from our bank to your computer.

Direct Connect supports the current year's version and two prior years of Quicken® and QuickBooks®.

Yes, Direct Connect is fully secured with support for 128-bit encryption. We authenticate your identity based upon your User ID and Password.

Direct Connect can help you conveniently track your expenses, budget your money and keep your finances updated. You can download transactions, update account balances and manage your bank accounts directly with us. You can also transfer funds between your accounts with Direct Connect and pay bills with your accounting software.

You can download all transactions listed for the last 45 days.

An eStatement is identical to your paper statement but is delivered in an electronic document. It helps eliminate paperwork and gives you a quick, easy and secure way to access your monthly bank statement. By turning off your paper statement and receiving all your statements online, you are doing your part to help the environment.

Within Online Banking, you can find your bank statements under the "Statements & Documents". You can also find your tax documents under “Statements & Documents” and select “Tax Documents”.

Within BusinessLink Online Banking, you can find your bank statements under the "Home" tab and select "View Statements and Notices". We'll send you an email notification when your statement is available.

You will be notified by email each time that your statement is available to view within BusinessLink Online Banking.  

Sign up online by logging into Online Banking and visiting "Delivery Preferences" under “Statements & Documents”. Select which accounts you would like to receive electronic statements and select “Save”. It's that easy.

An Administrator can sign up online by logging into BusinessLink Online Baking and visiting “Manager Paper Preferences” under “Home”. Select which accounts you would like to receive electronic statements and select “Save Changes”. The Administrator on the account can assign rights to others.

If you sign up for an eStatement, you will no longer receive paper statements in the mail. All of your statements will be available online. If for some reason you are still receiving a paper statement and getting an eStatement, please contact the bank to turn off your paper statement.

eStatements are available online for up to 7 years.

Your eStatements will be the exact same as your paper statements. If you currently receive images of your checks written in your paper statement, you will still get images of those checks on your eStatement. If you have an eStatement without images of checks on it and would like to receive images of checks, please contact the bank.

Yes. You can print your eStatement.

Yes. You can save eStatements to your computer.

To view an eStatement online, you need Adobe Acrobat Reader installed on your computer. If you do not have Adobe Acrobat Reader, you may click on the Adobe link from our website and download the current Adobe Acrobat Reader.

Mobile Banking offers you the ability to check balances, transfer funds, pay bills, view statements and much more, all from the convenience of your smartphone or tablet. Use our mobile app to find a bank location near you.

This service is free to you. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

Yes, Mobile Banking uses best practices from Online Banking, such as HTTPS, 128-bit SSL encryption, multi-factor authentication for login and application time-out when your mobile phone or device is not in use. Additionally, no account data is ever stored on your phone or device.

The Central Bank app is available in the App Store and Google Play.

You must first register for Online Banking before enrolling in Mobile Banking.

Enrollment for Mobile Banking is not necessary if you are already enrolled for Online Banking. To log in, simply browse to centralbank.net from your smartphone or download our mobile app from your iPhone or Android's App Store. You’ll use the same user ID and password to log in that you use for Online Banking.

To enroll in Text Banking, log into the Central Bank app, and select Additional Services. From there, you can select Text Banking. After successful enrollment in Text Banking, your phone will receive a text message with the Text Banking short code.

Text Banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances and account history by sending a text command to a short code.

Text Banking will work on any text message (SMS) capable phone from one of our supported carriers. We support all the popular US wireless phone carriers, including Alltel AWCC, Cincinnati Bell, Cricket, MetroPCS, T-Mobile, US Cellular, Verizon, AT&T Mobility, Boost, Sprint, Virgin Mobile. We may add carriers periodically.

Text Banking Commands:

B or BAL
Displays a summary of available balances for all accounts.

H or HIST
Displays a summary of recent transactions for an account.

C or CHANGE
If you are enrolled for Text Banking at multiple banks, this command changes the affiliate bank you are using.

MENU
Displays a list of commands.

STOP
Deactivates all services tied to your phone number i.e. Text Banking and Alerts across all affiliate banks.

Yes. You may add multiple mobile phone numbers and use Text Banking.

Text Banking will provide access to all accounts that are available in Online Banking using the same account nicknames. Text (SMS) account nicknames can be updated in Online Banking.

Typically you should receive a text message within a few minutes after enrolling, however, sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has wireless signal. Additionally, make sure you entered the correct phone number on the enrollment site. If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your phone.

Yes, you can access Mobile Banking by browsing to our website or by downloading our app to your smartphone AND still use Text Banking. Many of our customers do both. To enroll in Text Banking, simply log in to Online Banking, select Account Services, and click on Set Up Text Banking and View Mobile Apps.

If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. Additionally, log into Online Banking, select Settings, and view My Devices. From there you can remove your device from the enabled services.

A short code is a special 'short' telephone number that can be used in text (SMS) messages. All text messages to us should be sent to 83318.

An activation codes expire after 24 hours. If you need a new code, return to Online Banking, select Other Services, select Mobile Banking and click Manage Preferences.

If you get a new phone or change phone numbers, be sure to return to Online Banking, select Other Services, select Mobile Banking and click deactivate next to your old number, and add your new mobile phone number in the same spot. Alternatively, you may also text “STOP” from the number you are giving up to deactivate all SMS messages to that number.

You can sign up for Online Banking by visiting www.centralbank.net and selecting ‘Enroll in Online Banking’ from our login or stop by any Central Bank location.

Online Banking allows you to manage your accounts, make transfers, pay bills, and control your finances from your computer or other internet-capable device. Online Banking allows you to take Central Bank with you wherever you go.

To sign up for Online Banking, you will need to provide your name, date of birth, last 4 digits of your SSN, your account type, ATM/debit card number, and PIN.

You will have immediate access to Online Banking once you sign up. You may go right out and view transactions, pay bills, view eStatements, set up alerts, and much more.

You can reset your Online Banking password by visiting www.centralbank.net and selecting the 'Forgot User ID / Password' option and then selecting 'Reset Password and/or Secret Word'. You will need to answer a few security questions.

For accounts at your bank, transfers made before 6:00 PM CST on a business day will post the same day. Transfers made after 6:00 PM CST will be posted the next business day.

Your Projected Balance is your Current Balance minus any Bill Payments scheduled on today’s business day before 3:00 PM CT, or any Outstanding Checks you have entered, yet to clear your account.

We offer an advanced cash management Business Online Banking product called BusinessLink. This gives businesses the ability to view all account activity, transfer funds, pay bills, make commercial loan payments, place stop payments, wire funds, create ACH (Automated Clearing House) transactions, and much more. Stop by any of our bank locations for more information. You can also learn more here.

Yes. During the enrollment process, you will be prompted to create your own unique user ID and password. You can create any user ID and password you wish, as long as the user ID is not being used by another client.

Yes, your user ID, password and secret word will remain the same on both online and mobile banking.

You can retrieve your Online Banking User ID by visiting www.centralbank.net and selecting the ‘Forgot User ID / Password’ option and then selecting ‘Retrieve User ID’. You will need to answer a few security questions.

If you forget your Password, you can reset your password by visiting www.centralbank.net and selecting the ‘Forgot User ID / Password’ option and choose ‘Reset Password and/or Secret Word’. If you still need assistance, please call our Technical Support telephone number listed on the Login page for Online Banking.

A Secret Word gives you an added layer of protection for Online Banking. Each time you log into Online Banking, you will be prompted to verify your Secret Word and enter your user ID and password. When you log into Online Banking, memorize the Secret Word you selected when you set up Online Banking. You will need to locate that word each time you sign in to Online Banking.

If you don’t see your Secret Word, confirm that you have selected the correct Account Type (Personal or Business) and that you have entered the correct User ID.

Bill Pay is a web-based service that provides you with a secure, convenient way to electronically initiate payments to businesses or individuals, which saves you having to buy checks and stamps.

Yes. You can schedule both one-time and recurring payments in advance.

It depends. Sometimes payments can be sent directly to a business electronically if we have a banking relationship with them. Other times, a check must be cut and mailed. Typically, if the item can be sent electronically, it will arrive in 1-2 business days. If the check has to be mailed, it may take up to 4 business days to arrive based upon the speed of mail delivery.

When an item has been posted to your account, it means that the transaction has cleared your account and the account balance is affected by the appropriate dollar amount. The transaction could be a paper check that you wrote or a deposit that you made to your account.

Alerts are a great way for you to stay informed about activity of your accounts. You can receive timely notifications via email or text messages to your cell phone alerting you if your account balance falls below a specified amount, if a direct deposit is made to your account, as well as many other notification options.

You can think of Live Chat as a real-time conversation with a professional support representative right from your computer. Through a secure channel, you chat one-on-one with a live representative to get answers without having to pick up the phone.

An electronic payment is any non-paper type of payment, such as using your credit card or PayPal™ for an online purchase or making a bill payment through online banking.

An EFT is an electronic payment, such as an ACH transaction or a wire transfer.

Transfers can be edited or deleted until 6:00 p.m. CST on the day they are scheduled to be sent.

NACHA is the acronym for National Automated Clearing House Association. NACHA is a national payment association that develops the operating rules and business practices for the Automated Clearing House (ACH) Network and for electronic payments in the areas of Internet Commerce, electronic bill payments and bill presentments, e-checks, Financial Electronic Data Interchange (EDI), international payments and electronic benefit transfer (EBT).

ACH refers to a funds transfer system which provides for clearing of electronic transactions between participating financial institutions. ACHs are governed by NACHA Operating Rules. Examples of ACH transactions can include direct deposits, automatic payment withdrawals, or person to person payments, etc.

The banking routing number is a 9-digit number that identifies a specific financial institution. This number is used for payment processing and is also referred to as an ABA Number or Routing Transit Number. You can find this number on your paper checks, typically next to your account number or in Online Banking on your Account Summary page.

Authentication is the process we use to identity that you are really who you say you are. This could be a series of questions that we ask about the most recent activity of your account or a question that only you know the answer to. In Online Banking you can think of your authentication as your user ID, password and secret word.

SSL is a security protocol for transmitting private documents via the Internet. Imagine sending mail through the postal system in a clear envelope. Anyone with access to it can see the data. An SSL Certification puts your data in a protected envelope to protect your data during transmission. Encryption scrambles the data so others can't read it.

Each SSL Certificate has a public key and a private key. The public key is used to encrypt information and the private key is used to decipher it. When your browser points to a secured domain (like our bank website and online banking), an SSL handshake authenticates the website and your computer.

You might notice that the address bar turns green when you access our website and Online Banking. This means that we are using the strongest encryption available. Also, the bank's name appears in the address bar. This assures you that you are on our site and not a site posing as the bank.

For security reasons, your Online Banking session will timeout after 15 minutes of inactivity (this is, if you have submitted any transactions or clicked on any new pages). Our Online Banking is designed this way to provide you with maximum security in case you forget to log out.

Security begins with your browser. To protect transactions, we only accept logins originating from a browser that supports the highest level of encryption (128-bit). Encryption prevents transactions from being read by unauthorized parties over the Internet. For Online Banking, we recommend you use one of the latest two versions.

Compare options for our credit cards.

To report a lost or stolen card, simply open your online banking account and choose "card management" (recommended).  You can also call 800.445.9272.

You can apply for a Central Bank Credit Card by visiting centralbank.net.

You can activate your credit card by calling toll free at 888-222-8717 or collect at 706-644-4516. Please call from your primary phone number on the account. You can also activate your account online.

Log into Online Banking, choose your credit account and choose View Rewards to access your credit card rewards.

Enroll in electronic statements by logging into your www.bankcardcenter.net account. Select the Statements Tab and select Statement Delivery Options. A verification code will need to be keyed to confirm your request.

Log in at www.bankcardcenter.net. Select the Statements Tab, and select view statements. There you’ll have access to up to 24 months of statements.

Enroll in Online Banking to set up your credit card alerts. Get started here.

In the event that you’ve lost your card, please report it lost/stolen as soon as possible by calling 800.445.9272.

Be prepared to use your PIN for credit card purchases when traveling overseas. If you know that you’ll be traveling, prepare in advance by obtaining your PIN a few weeks before your trip. To change your credit card PIN, it will take up to 7-10 business days. You will be required to enter your PIN for a cash advance at the ATM. Cash advance fees may apply.

You can make your payments online two ways - by logging into Online Banking or logging into www.bankcardcenter.net. You can mail your payment to BankCard Services, PO Box 779, Jefferson City, MO 65102. You can also make your payment by phone (fee will apply).

You can mail your payments to BankCard Services, PO Box 779, Jefferson City, MO 65102.

Yes, you can pay your credit card bill from the Central Bank App. Log in with your user ID and password, select Payments, and choose Make Credit Card/Loan Payment from the menu. You can also make a payment over the phone by calling the number on the back of your card. There will be a fee for payments made via a phone call.

Yes, you can pay your credit card bill in Online Banking. Log in with your user ID and password, select Payments, and choose Pay Credit Card/Loan from the menu. You can also make payments by logging into www.bankcardcenter.net.

Payments submitted on a business day before 7:00 PM CST will be posted with today's effective date. Payments submitted after 7:00 PM, or on a non-business day (e.g. weekend or holiday) will be posted with the next business day's effective date. Funds will be available for use within two business days following the effective date of the payment. Payments submitted through www.bankcardcenter.net after 4:00 PM CST will appear as next day’s business. Fund availability may differ by payment method.

Yes, in Online Banking, you can add an External Account to pay your Central Bank Credit Card Balance.

A Cash advance accesses your available credit line to provide you with cash that is then owed on your credit card. You can complete a Cash Advance at bank locations accepting Mastercard cards, or at an ATM. Cash Advances completed at an ATM require your Personal Identification Number (PIN). Your Central Bank card will be charged 4% (minimum $10 fee) of the amount of the Cash Advance as a cash advance fee. Cash Advances are subject to the Cash Annual Percentage Rate (APR) of your card and begin accruing interest on the transaction date.

A Balance Transfer allows a cardholder to access a portion of their Central Bank credit card’s available credit line to send to another payee. An example might be transferring $2000 from another credit card to your Central Bank credit card. Balance Transfer fees of $10 or 4%, whichever is greater, may apply.

You can access your credit score with our MaxMoney Checking Account. You’ll get an updated score and report every 90 days, or upon receipt of a credit alert. You can request a free copy of your credit report annually at www.annualcreditreport.com.

You chose your credit card payment due date at the time of application. If you’d like to request a new payment date, please call the number located on the back of your card.

Log into Online Banking, and select Request/Change PIN under Card Management.

If you’ve forgotten your user ID, please call our Technical Support telephone number listed on the Login page for Online Banking. If you forgot your password, use the Forgot My Password function.

You can request a new debit card by stopping by any Central Bank location.

You can activate your debit card by calling 844-378-0081. You can also activate your card online.

We offer four different personal checking account options. Some accounts may have associated fees, but most fees are avoidable. View our different account options and features here. If traveling out of the U.S., there are some cases you may be charged a 3% international transaction fee.

To report a lost or stolen card, simply open your online banking account and choose "card management" (recommended).  You can also call 855.401.4599.

Sign up online by logging into Online Banking and selecting Delivery Preferences. Choose Paperless for the accounts associated with your debit card and select Save.

Within Online Banking, you can find your bank statements by selecting Statements/Notices. You can also find your tax documents by selecting Tax Documents.

Enroll in Online Banking to set up your debit card alerts. Get started here.

Refer to your “Understanding Your Account Disclosure” or contact a Central Bank location to learn more.

As a general rule, simply swipe or insert your card and follow the prompt on the card reader. You will always need to enter your PIN at the ATM.

A Mastercard SecureCode gives you an extra layer of security when shopping online using your Central Bank Debit Card. By entering a SecureCode, you are confirming that you are the authorized cardholder, helping to eliminate the risk of fraud.

You will be given three attempts to enter the password, after the fourth attempt, the purchase will be declined.

An authorization (also known as card authorization, preauthorization or preauth) is an approval from a card issuer, that the customer has sufficient funds to cover the cost of the transaction. You can think of an authorization like check that has not yet been cashed.

Control and manage your spending with Outlook Prepaid Debit Mastercard® from Central Bank! Our prepaid card is a great option for parents, college or high school age students, international travelers, online shoppers, and more. Use your Outlook Prepaid Mastercard worldwide, wherever Debit Mastercard is accepted. It's the safe and reliable option, no matter where you are making your purchases.

You can apply for a prepaid card at centralbank.net or by visiting any Central Bank location.

Check and manage your balance, 24/7, online, over the phone, at ATMs and our branches.

Load your card using our free direct deposit option, Mobile Check Deposit, at our 250+ ATMs, or at any of our convenient branch locations.

Yes, there is a $5.95 monthly fee.

Sign up for electronic statements online by logging into Online Banking and selecting Delivery Preferences. Select which accounts you would like to receive electronic statements by choosing Paperless. Be sure to select Sav