General Questions & Answers

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When will I be able to bank at other Centennial Bank locations?

March 23, 2026, after conversion of The Bank of Jackson systems.

Will The Bank of Jackson hours change?

Yes. Effective March 23, 2026, hours for all locations will be Monday thru Thursday, 8:30 AM to 4:00 PM and Friday, 8:30 AM to 5:00 PM.  All locations will be closed on Saturday.

On March 23, 2026, Interactive Teller Machines (ITMs) will be available at Oil Well and University Parkway branches. Live tellers can assist you with traditional banking transactions Monday - Friday, 7:00 AM to 5:00 PM.

Will The Bank of Jackson hours change on specific dates because of acquisition or conversion?

Yes. All The Bank of Jackson branches will close at 4:30 PM on Friday, March 20. The Oil Well branch will be closed on Saturday, March 21, as we prepare for the conversion. On March 23, all three The Bank of Jackson branches will open as Centennial Bank.

Will the customer service or branch phone numbers change?

Branch phone numbers will remain the same.  Beginning March 23, 2026, The Bank of Jackson customers will be able to utilize Centennial Bank’s 24-Hour Banking phone number by dialing (731) 669-3777 or (877) 389-6479.

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Deposit Questions

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Will my account number change?

You will be contacted by a Centennial Bank representative prior to March 23, 2026, if your account number will change.  Otherwise, your account number will remain the same.

Will my account type change?

Yes, a Welcome Packet will be mailed to you prior to the March 23, 2026, conversion date containing information about your new account if you currently have a deposit account at The Bank of Jackson. 

Will the routing number change?

Yes, but no action is required from the customer.  The routing number for Centennial Bank is 084302698. 

Do I need to order new checks?

No. Please continue to use existing The Bank of Jackson checks. We do not anticipate any issues.  If issues arise, we will communicate that information as soon as possible and checks will be re-issued free of charge.  The Centennial Bank routing number will be on your next check order that is placed after March 23, 2026. Meanwhile, continue using your current checks. You do not need to do anything.

Do I need a new debit card?

Yes. Please continue to use your existing The Bank of Jackson debit card until a new Centennial Bank debit card is issued prior to March 23, 2026.  Activate the new card as soon as it arrives so it is ready for use on March 23.  Please do not attempt to use your Centennial Bank card until March 23. After March 22, The Bank of Jackson card will no longer work.   

An ACH credit (such as payroll check) is directly deposited into my account.  Am I required to notify the sender of the bank’s name change and new routing number?

No. You do not need to do anything.

My social security payment is directly deposited into my account.  Am I required to notify Social Security Administration of the bank’s name change and new routing number?

No. You do not need to do anything.

I have automatic payments deducted from my account. Do I need to notify the originator of the deduction?

No. You do not need to do anything. However, any new payments set-up after March 23, 2026, will need Centennial Bank’s routing number. 

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Loan Accounts

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Will my loan number change?

Your loan number(s) will remain the same. You may continue to use your current coupon book.

Who do I make my check payable to when making my loan payment?

After March 23, 2026, please make your check payable to “Centennial Bank.”

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Credit Card Questions

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Can I still make my The Bank of Jackson credit card payment at the Jackson locations?

No.  Effective March 23, 2026, payments will have to be made one of the following ways:

• Card holders can create an online account with MasterCard’s website, www.mycardstatement.com. The card holder will need their full credit card number to enroll. From there, they can access the payment portal and view statements/charges.
• Card holders can also call in their payment via 1-800-423-7503, however this method (unless it is a qualifying emergency) will incur a charge of $10 for a phone payment.
• Card holders can also mail the payment to P.O. Box 525, Dyersburg, TN 38025-0525 or to the address on the statement.

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Electronic Banking

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Can I still access online banking?

Yes. You can still access online banking from The Bank of Jackson’s existing website at www.bankofjackson.com.  After conversion on March 23, 2026, the website will be redirected to www.mycentennial.bank and The Bank of Jackson customers will need to enroll for Centennial Bank Online Banking services.

I utilize The Bank of Jackson’s bill pay service. Do I need to change any payment information?

No.  Your bill pay information will transfer to Centennial Bank Bill Pay at conversion on March 23, 2026.

I have given wire transfer instructions to others that wire me money.  Do I need to notify them of the acquisition?

Yes. You should notify the sender to utilize the new bank name and wiring instructions after conversion on March 23, 2026.  Please contact your local branch for specific wiring instructions. 

Can I access the mobile banking application?

Once the conversion has been completed on March 23, 2026, Bank of Jackson customers may download the Centennial Bank mobile app.  Customers who are already enrolled in Centennial Bank Online Banking can sign in right away, and those who are not yet enrolled may register directly through the app.

Will I still have access to Quicken or Quickbooks after conversion?

Yes, but action is required to ensure a smooth transition. The conversion will require that you make changes to your QuickBooks or Quicken software. Conversion instructions are available below.

The conversion instructions reference two Action Dates. Please use the dates provided below:

1^st Action Date: March 20, 2026

A data file backup and a final transaction download should be completed by this date. Please make sure to complete the final download before this date since transaction history might not be available after the upgrade.

2^nd Action Date: March 23, 2026

This is the action date for the remaining steps on the conversion instructions. You will complete the deactivate/reactivate of your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection.

Full Conversion Instructions are available via the following links:

Quicken – click HERE

QuickBooks Desktop – click HERE

QuickBooks Online – click HERE

Intuit aggregation services may be interrupted for up to 3-5 business days. Users are encouraged to download a QFX/QBO file during this outage. The following services may not work during the outage:

- Quicken Win/Mac Express Web Connect

- QuickBooks Online Express Web Connect

Please carefully review your downloaded transactions after completing the migration instructions to ensure no transactions were duplicated or missed on the register.

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FDIC Insurance Coverage

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For customers that currently have deposit accounts at The Bank of Jackson and Centennial Bank, deposits at each institution will continue to be insured by the Federal Deposit Insurance Corporation (FDIC). FDIC deposit insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. After March 23, 2026, The Bank of Jackson and Centennial Bank will be considered a single entity for FDIC deposit insurance. However, following a bank merger, the separate deposit insurance of each of the banks is continued for a period of not less than six months after the merger. This six-month grace period gives a depositor the opportunity to restructure his or her accounts, if necessary. Ask us about our IntraFi product that offers FDIC insurance for over $250,000.

For certificates of deposit or time deposits which mature and are automatically rolled over within six months after the merger, the separate insurance coverage will continue until the first maturity after the expiration of the six-month period following the merger. For certificates of deposits or time deposits which mature more than six months after the merger, the separate insurance coverage continues until the earliest maturity date after the expiration of the six-month period following the merger.

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