Consumer Credit Card and Equity Line FAQs: Visa^® Classic, Platinum Rewards, UK Alumni, and Platinum Equity Line

The Cards Feature in the CentralMOBILE app and the Manage Cards Feature in CentralNET allows you to review your Visa Classic, Platinum Rewards, UK Alumni, and/or your Platinum Equity Line Account.  With this feature you are able to:

·         View statements.

·         Enroll in paperless statements.

·         Review and download transactions.

·         Make payments.

·         Set up automatic payments.

·         Set up purchase alerts and card controls.

·         Turn the card off and on.

·         Place travel notes.

·         Report the card lost or stolen.

·         Set the PIN.

·         Add the card to Apple Pay or Google Pay.

·         View and link directly to your rewards points (if applicable).

·         View your digital card.

·         See spending habits and insights.

·         Review your current card on file merchants.

Please review the eBanking FAQs for further information on how to enroll in CentralNET and CentralMOBILE.

Yes, current transactions that are posted to your account will appear in the Transactions section of the card you are viewing. Once you are logged in, click the Cards/Manage Cards tab to view your transaction activity.

The amount of your payment due is based on your total credit card balance on the date of your most recent statement cycle. The transaction activity since your statement cycle date will be included as part of your next month’s statement and payment due.

A minimum payment is the smallest monthly payment you can make and still comply with the terms and conditions of your account. Each month that your account has a balance, a minimum payment will be due. Please refer to your cardholder agreement and monthly statement for details.

After logging into either CentralMOBILE or CentralNET and clicking on the Cards/Manage Cards feature, scroll down to the “Statements” option.  There you will see the statements listed by the most recent statement cycle date, and clicking on the statement date will pull up a copy of the statement.

Statements are generated once each month on the account's specific cycle date. For example, if your account cycle ends on the 8th of each month, then all transactions posted on or before the 8th appear on that statement. Your new monthly statement is available for viewing within one to two days of the cycle date depending on any necessary weekend or holiday processing. When your cycle date falls on a weekend or holiday, your cycle date is adjusted to the previous full business processing day.

After successfully logging into CentralMOBILE or CentralNET and going to the Card/Manage Cards function, click on “Statements” and then click on the statement date. This will pull up the statement as a PDF within your browser or within the CentralMOBILE app, so to print the statement you will need to click on the option to print based on your browser or phone settings.

We recommend that you download the statement into PDF format and print it using Adobe^® Reader^® software. If you do not have Adobe^® Reader^® software installed on your PC or phone, you can download a free copy of the software for your PC by going to Adobe.com, or for your phone by going to your app store. You may also use the print function on your browser or phone, but that method may produce unsatisfactory results.

After successfully logging into CentralMOBILE or CentralNET and going to the Card/Manage Cards function, click on “Statements” and then click on the statement date. Once the statement is viewable This will pull up the statement as a PDF within your browser or within the CentralMOBILE app, so to save the statement you will need to click on the option to save based on your browser or phone settings.

We recommend that you download the statement into PDF format and save it using Adobe® Reader® software. If you do not have Adobe® Reader® software installed on your PC or phone, you can download a free copy of the software for your PC by going to Adobe.com, or for your phone by going to your app store.

Your paper statement is generated at the same time your electronic statement is created. Once your statement has been printed, packaged and mailed, you should receive your statement within five to seven business days after it is generated.

A maximum of 12 statements will be available online. The number of statements that appear will be a rolling 12 statements.

To get copies of statements not available online, please reach out to your local branch, or call our Client Services toll free at 1-800-637-6884. Please have your 16-digit card number available when you call. A research fee may apply.

If you have questions or concerns about any of the transactions that appear in your transaction history or on one of your statements, please reach out to your local branch or call our Client Services toll free at 1-800-637-6884. Please have your 16-digit credit card number available when you call.

No, receipts do not appear on CentralMOBILE or CentralNET. Transaction information you see on your statement and in the Cards/Manage Cards feature primarily includes merchant information such as store descriptions, addresses, telephone numbers, website addresses and store location details.

An authorization is a temporary transaction. These temporary transactions are used to hold funds from your available credit line for a purchase, cash advance or other credit transaction until the actual transaction is posted and debited from your available credit line. Authorizations are removed from your credit card transaction history when the actual transaction is posted to your credit card account. Posted transactions include a reference number for identification and also appear on your credit card statement. Both authorizations and posted transactions affect your available credit line.

A merchant must post a credit for a refund or return to your account within 30 calendar days of the date that you contacted the merchant and the merchant agreed to issue a credit.

Yes, simply click the “Make a Payment” option within CentralNET/Manage Cards or “Pay Balance within CentralMOBILE/Cards and you can then select to make a one-time payment, set up auto payment, or set up a new payment account.  You can also choose to pay the minimum due, the statement balance in full, the current balance, or select a custom payment amount.

The routing transit number can be found on the lower left-hand side of your check. The checking account number is to the right of the routing number.

Yes. Just click on Manage Payment Accounts to add new or modify existing bank accounts.

The Reference ID is a unique number assigned to each payment. This is a way to refer to the payment transaction should the need arise.

Not at this time. Currently, only online payments, made with a valid checking or savings account with a US Bank are accepted.

A minimum payment is the smallest monthly payment you can make and still comply with the terms and conditions of your account. Each month that your account has a balance, a minimum payment will be due. Please refer to your cardholder agreement and monthly statement for details.

The payment status will show as a “Canceled” status in the Payment Activity.

A payment reversal will show in the Payment Activity and in the Recent Transactions.  You will also see the amount due on your account adjusted.

Automatic payments can be set up for the total statement balance, the minimum amount due, or a fixed payment amount.  Note that if the amount set up for the fixed payment is less than the amount due, the automatic payment will then default to the amount due.  Automatic payments are set to pay on the accounts due date once a month.

Automatic payments have to go through a statement cycle before they become active.  Due to that delay, you will want to make sure your current amount due is paid manually, and then the payment due date after that will be covered by the automatic payment that has been set up.  Also, your next statement will have a note indicating that your automatic payment will be affective. 

The automatic payment will take the amount that was manually paid, and the difference of that amount vs the amount due.  If there is any amount remaining that was not covered by the manual payment, then the automatic payment will pull that amount.  For example, if the amount due is $50.00 and you make a manual payment of $25.00, then the automatic payment will pay the remaining $25.00 due.  If the amount due is $50.00 and you make a manual payment for $50.00 or more, then the automatic payment will not pull anything at all.

The institution where you have your checking account may choose to return the payment transaction and may also charge you a non-sufficient funds fee. If the payment transaction is returned to us, we will reverse any credit given for the payment. We will also follow the terms and conditions of your credit card account in applying the appropriate fees and finance charges, which may include a returned payment fee. You will also receive an email notice notifying you of the situation. All email notices are delivered to the email address on file. To review the email address on file, click on "Settings" and then "Profile" within CentralNET, or within CentralMOBILE under "More" and "Manage Profile Information."

You can use your credit card at any merchant as long as you have sufficient available credit remaining on your card and the merchant accepts your type of credit card, for example, Visa is listed by most merchants as an accepted card type.

You may use your credit card to get a cash advance from an ATM. The amount you can receive may be limited to a specific amount within a twenty-four hour period. This transaction will be considered a Cash Advance. Please see your credit card Terms and Conditions brochure regarding Cash Advances.

Most institutions allow you to use your credit card to get a cash advance at their local branches. The amount you can receive may be limited to a specific amount within a 24-hour period. This transaction will be considered a Cash Advance. Please see your credit card Terms and Conditions brochure regarding Cash Advances.

There are several ways to check the current balance for your credit card. Online, you can check the balance and view your current transactions on CentralMOBILE and CentralNET within the Cards/Manage Cards feature. If you have questions about your balance or other account information, you can call our Client Services toll-free at 1-800-637-6884. Please have your 16-digit credit card number available when you call.

When you use your credit card in the card reader on a gasoline pump, the card reader automatically checks with the card network to see if you have enough available credit to pay for an average purchase of gas. If the remaining credit on your credit card is not enough to pay for an average purchase, your attempt to pay at the pump will be declined. The average gas purchase amount is generally recalculated when gasoline prices change.

Your credit card is valid until the expiration date that is embossed on the front of the card. Your card is valid for two years, and a new card will be issued automatically shortly before your current card expires. You can use your old credit card until the end of the month in which it expires and then begin using your new card. Upon receipt of the new card, you should destroy the old card and can begin using your new card immediately.

Your credit limit and your available credit line appears on each of your statements. It is also shown when you view your account online. If you have questions about your credit limit or other account information, you can call our Client Services toll free at 1-800-637-6884. Please have your 16-digit credit card number available when you call.

As soon as you discover your credit card is missing, call Client Services toll free at 1-800-637-6884 to report your card as lost or stolen. You can call 24 hours a day, seven days a week.

Email notices are sent out for two main reasons, activity on the credit card account(s) or general notifications from your Financial Institution. Email notices are sent out after a nightly process.

You could receive an email for any of the following reasons:

• Enrollment / Association of a new account

• Disassociation of an account

• New statement notification

• Payment confirmation

• Payment failed

• Payment canceled

• Recurring payment failed

• Automatic payment rule creation

• Notice of Change

After successfully logging into the site or app, simply click “Settings” and then “Profile” within CentralNET, or within CentralMOBILE under “More” and “Manage Profile Information."