ACH US Routing Number – CENTENNIAL BANK

	Routing Number	Address	City	State
1	063107623	3RD FLOOR	CONWAY	AR
2	063109702	3RD FLOOR	CONWAY	AR
3	063114108	719 HARKRIDER ST. 3RD FLOOR	CONWAY	AR
4	063114700	3RD FLOOR	CONWAY	AR
5	063114742	719 HARKRIDER ST. 3RD FLOOR	CONWAY	AR
6	063115961	719 HARKRIDER ST. 3RD FLOOR	CONWAY	AR
7	063116452	3RD FLOOR	CONWAY	AR
8	063200928	719 HARKRIDER ST. 3RD FLOOR	CONWAY	AR
9	063204746	3RD FLOOR	CONWAY	AR
10	063292499	3RD FLOOR	CONWAY	AR
11	063292538	719 HARKRIDER ST. 3RD FLOOR	CONWAY	AR
12	065106363	3RD FLOOR	CONWAY	AR
13	067009785	719 HARKRIDER ST. 3RD FLOOR	CONWAY	AR
14	067014110	THIRD FLOOR	CONWAY	AR
15	067014453	719 HARKRIDER ST. 3RD FLOOR	CONWAY	AR
16	067016655	719 HARKRIDER ST 3RD FLOOR	CONWAY	AR
17	067092035	719 HARKRIDER ST. 3RD FLOOR	CONWAY	AR
18	082008732	719 HARKRIDER ST 3RD FLOOR	CONWAY	AR
19	082902757	719 HARKRIDER ST. 3RD FLOOR	CONWAY	AR
20	082903044	3RD FLOOR	CONWAY	AR
21	082904030	3RD FLOOR	CONWAY	AR
22	082904085	SUITE 3	CONWAY	AR
23	082907859	3RD FLOOR	CONWAY	AR
24	082907862	3RD FLOOR	CONWAY	AR
25	082908625	3RD FLOOR	CONWAY	AR
26	084107246	3RD FLOOR	CONWAY	AR
27	084108795	3RD FLOOR	CONWAY	AR
28	084301518	5420 BROAD ST S	TREZEVANT	TN
29	084302698	5420 BROAD STREET SOUTH	TREZEVANT	TN
30	084303082	5420 BROAD STREET SOUTH	TREZEVANT	TN
31	102106857	707 17TH STREET, SUITE 2950	DENVER	CO
32	107005953	707 17TH STREET, SUITE 2950	DENVER	CO
33	107006981	707 17TH STREET, SUITE 2950	DENVER	CO
34	107007197	1398 CENTRAL AVE	DUBUQUE	IA
35	111321649	P O BOX 970	PLAINVIEW	TX
36	111321717	904 AVENUE O	LUBBOCK	TX
37	263190634	3RD FLOOR	CONWAY	AR
38	284170468	3RD FLOOR	CONWAY	AR

Bank routing numbers are essential for facilitating various financial transactions and payments. But many people don’t understand what they are or how they work. This article will focus specifically on the ACH US routing number for Centennial Bank and how it is used.

What is an ACH Routing Number?

An ACH routing number is a 9-digit code that identifies the financial institution that holds your bank account or card. ACH stands for Automated Clearing House, which is an electronic network used for payments and money transfers.

Purpose of Routing Numbers

Routing numbers serve a few key purposes:

Identifying where to send money transfers like direct bank account deposits and withdrawals.
Helping financial institutions route payments to the correct accounts.
Enabling the automation of clearing and settling transactions.

Structure of Routing Numbers

ACH routing numbers always follow a specific format:

The first 8 digits identify the financial institution.
The 9th digit is a check digit, which allows errors to be detected.
The routing number is always 9 digits long.

Centennial Bank’s ACH Routing Number

The routing number for Centennial Bank is 082908762.

Locating Centennial Bank’s Routing Number

Centennial Bank’s routing number can be found in a few places:

At the bottom of physical checks issued for Centennial Bank accounts.
Within the direct deposit instructions for Centennial Bank accounts.
Printed on Centennial Bank ATM or debit cards.
Available online through Centennial Bank’s website.

Uses of Centennial Bank’s Routing Number

Centennial Bank’s 9-digit ACH routing number allows for the following types of transactions:

Direct deposits – Employers can send paychecks or benefits directly to a Centennial Bank checking or savings account.
ACH transfers – Consumers can send or receive ACH payments to/from Centennial Bank accounts.
Wire transfers – The routing number identifies where wires should be sent for Centennial Bank accounts.
Online banking payments – The routing number links bank accounts to online bill pay services.
Tax refunds – Taxpayers can get refunds deposited directly into accounts at Centennial Bank.

Direct Deposits and ACH Transfers

Many people use Centennial Bank’s routing number for direct deposits or ACH transfers. Here is how they work:

Setting up Direct Deposit with Centennial Bank

If you have a checking or savings account with Centennial Bank, you can provide employers or benefits providers with Centennial Bank’s routing number and your account number to have payments deposited directly. This offers convenience and security compared to paper checks.

To set up direct deposit, provide the payroll or benefits department with:

Bank Name: Centennial Bank
Routing Number: 082908762
Account Number
Account Type: Checking or Savings

Funds will then be automatically deposited on payday.

Sending ACH Transfers to a Centennial Bank Account

You can electronically send funds to a recipient’s Centennial Bank account from your own bank or credit union. Provide your financial institution with:

Bank Name: Centennial Bank
Routing Number: 082908762
Recipient’s Account Number

The funds will usually arrive within 1-3 business days.

Wire Transfers at Centennial Bank

In some cases, Centennial Bank customers need to send wire transfers, which are processed through the Federal Reserve’s Fedwire system.

Difference between ACH and Wire Transfers

The main differences between ACH transfers and wire transfers are:

Speed – Wire transfers are much faster, with real-time or same day availability. ACH takes 1-3 days in most cases.
Cost – Wire transfers have higher fees than ACH payments.
Amounts – Wire transfers support sending higher dollar amounts.
Security – Wire transfers can have stronger security and authorization controls.

Sending a Wire Transfer from Centennial Bank

To send a domestic wire transfer from Centennial Bank, customers must provide:

Recipient’s Name and Address
Recipient’s Bank Name, Routing Number and Account Number
SWIFT code for international wires
Amount to Transfer
Purpose of Wire Transfer

Wire transfer fees and limits apply. Authorization is also required when sending wires from Centennial Bank accounts.

Safety Tips for Routing Numbers

It’s important to keep your bank routing number safe and avoid fraud. Here are some tips:

Keeping your Routing Number Secure

Never post a picture of a check on social media, as it exposes your routing number.
Only provide your routing number to trusted recipients you authorize payments to.
If you suspect someone unauthorized obtained your routing number, contact Centennial Bank.

Recognizing Fraudulent Use of your Routing Number

Watch for suspicious transactions like:

Unknown credits or debits to your accounts.
Denied transactions due to insufficient funds for unknown reasons.
Failing to receive expected direct deposits.

Immediately notify Centennial Bank of potential fraud.

Frequently Asked Questions

What is the format of a routing number?

Routing numbers are always 9 digits long, with the first 8 identifying the financial institution and the last digit being a check digit.

Can I use Centennial Bank’s routing number at other banks?

No, routing numbers are unique to each financial institution. Centennial Bank’s routing number only works for transactions at Centennial Bank.

Is my account number needed along with the routing number?

Yes, your specific account number is required in addition to Centennial Bank’s routing number for transactions.

How do I know if a routing number is valid?

You can verify routing numbers using the Federal Reserve’s ABA Routing Number Check system.

Who do I contact for help with routing numbers at Centennial Bank?

You can call Centennial Bank’s customer service line or visit a branch location if you need assistance with routing numbers.

Conclusion

In summary, routing numbers like Centennial Bank’s 082908762 play an important role in linking bank accounts for financial transfers and payments. By understanding the purpose and proper use of routing numbers, you can securely utilize them for transactions like direct deposits, wire transfers, and online banking. With the right safety measures, routing numbers help facilitate convenient banking.