FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Frequently Asked Questions
Looking for quick answers? We've compiled responses to some of the most common questions about accounts, Digital Banking, debit cards, branch services, and more. If you don't see what you're looking for, give us a call at 888-966-6282 or stop by your local Central Penn Bank & Trust office.
Accounts & Bank Information
What is Central Penn Bank & Trust’s routing number?
Our routing number is 031309686.
Can I open an account online?
Yes. You can conveniently open a personal checking account, Regular Savings Account, and select regular Certificate of Deposit (CD) products online. Business accounts, Club and Youth Savings Accounts, PAUTMA accounts, IRAs, HSAs, and Featured CD products must be opened in person at a Central Penn Bank & Trust office.
What do I need to open an account?
To open a personal account, you will typically need the following:
- A valid government-issued photo ID, such as a driver’s license or passport
- Your Social Security number
- Your date of birth
- Current contact information
What do I need to open a business account?
Business account requirements vary based on your business structure and filing type. A Central Penn Bank & Trust team member will be happy to explain the documentation needed for your specific business.
Are my deposits FDIC insured?
Yes. Deposit accounts at Central Penn Bank & Trust are insured by the Federal Deposit Insurance Corporation (FDIC) up to applicable limits. Visit FDIC.gov for information about deposit insurance coverage.
Payments, Wires & Checks
How can I have funds wired into my Central Penn Bank & Trust account?
For incoming wire transfers, refer to our Incoming Wire Instructions. To send an outgoing wire, contact a Central Penn Bank & Trust team member or visit your local office for assistance.
How do I reorder checks?
You can reorder checks online through Deluxe Check Services or by calling our Customer Service Center at 888-966-6282.
Do you charge a fee to cash a check?
No. We do not charge a fee to cash a check drawn on Central Penn Bank & Trust. A valid government-issued photo ID is required.
What is a Currency Transaction Report (CTR)?
Federal law requires financial institutions to report cash or coin transactions totaling more than $10,000 conducted by, or on behalf of, one person in a single business day. Multiple transactions may be combined when determining the total. These transactions are reported on Currency Transaction Reports, commonly called CTRs. For more information, please review the CTR Reference Guide,
Filing a CTR is a federal requirement and does not mean a customer has done anything wrong. Information is collected and reported in accordance with federal regulations and customer privacy requirements. For complete information, refer to the CTR Reference Guide from the Financial Crimes Enforcement Network (FinCEN).
Digital Banking, Cards & Security
What should I do if my debit card is lost, stolen, or shows unauthorized transactions?
Call 800-754-4128 immediately to report a lost or stolen card or suspected debit card fraud.
If you use the Central Penn Bank mobile app, you can also place a temporary freeze on an eligible debit card using built-in card controls until you are able to speak with us.
During normal business hours, call 888-966-6282 or visit a local office so our team can review the transactions and help with any necessary documentation.
Can I manage my debit card from my phone?
Yes. The Central Penn Bank mobile app includes built-in controls for eligible debit cards, allowing you to monitor activity and temporarily turn your card on or off.
Can I deposit a check using my phone?
Yes. Mobile Deposit is available through the Central Penn Bank mobile app for eligible accounts and checks, allowing you to make deposits from nearly anywhere.
How do I enroll in Digital Banking?
You can enroll in Digital Banking through our website. If you need assistance getting started, call 888-966-6282 or visit your local Central Penn Bank & Trust office.
How do I report a suspicious email, text message, or phone call?
If you receive a communication claiming to be from Central Penn Bank & Trust and you are unsure whether it is legitimate, do not provide personal information or click unfamiliar links. Contact us directly at 888-966-6282 so we can help verify the communication.
Branch Services & Support
Does Central Penn Bank & Trust offer notary services?
Yes. Notary services are available at select Central Penn Bank & Trust offices. Call 888-966-6282 or contact your local office in advance to confirm availability and schedule an appointment.
Do you offer safe deposit boxes?
Yes. Safe deposit boxes are available in a variety of sizes at select Central Penn Bank & Trust offices. Contact your local office for availability and current pricing.
Where can I find a Central Penn Bank & Trust office or ATM?
Visit our Locations page to find the nearest office or ATM, view current hours, and get directions.
Do I need an appointment to meet with a lender?
Appointments are recommended but may not always be required. Contact your preferred lender or local office, and our team will help arrange a time that works for you.
About Central Penn Bank & Trust
Are you really a local bank, and how are you involved in the community?
Yes. Central Penn Bank & Trust is a community bank with deep roots across Central Pennsylvania. Local leadership, local decision-making, and strong community relationships remain at the heart of how we serve.
The same people you meet at the bank may also be coaching a Little League team, serving on a school or nonprofit board, volunteering at a local event, or supporting a community organization. Our team gives back through volunteer service, community partnerships, charitable support, and local events because when our communities succeed, we all succeed.
Ready to bank closer to home?
Open your account online in minutes, or stop by your neighborhood branch
and say hello.
