COVID-19 Notifications, Updates, and Messages

Branch Locations

Get the latest on branch lobby closures and drive-thru availability.

Check Branch Availability

Mobile Banking

Mobile Access allows you to manage
finances on the go!

Download Mobile App

Online Banking

Take advantage of our online banking service, for at home banking!

Call Us To Register

Customer Relief Provisions

  • Increased Mobile Deposit Limits
  • Increased ATM Withdrawal Limits
  • Waiving of Foreign ATM Fees
  • Waiving of CD Early Withdrawal Penalties
  • Waiving of IRA Early Withdrawal Penalties*
  • Unlimited Savings and Money Market Withdrawals
  • Waiving of Savings and Money Market Excessive Withdrawal Fees

*The IRS is waiving the 10% early withdrawal penalty if you’re under age 59½ on retirement account distributions for taxpayers facing virus-related challenges. However, regular income tax will still be due on each withdrawal. The CARES Act gives you the opportunity to pay the taxes over the course of three years. You can also replenish the amount that you pulled from your retirement account over that time.

Protecting Yourself

COVID-19 Fraud – The IRS Warns of “Stimulus Check” Scams

Scammers use every opportunity to swindle vulnerable Americans, especially those in a state of need. The IRS is urging taxpayers to be on the lookout for a surge of scams related to the Coronavirus, or COVID-19. If you receive an unsolicited email, text message, or social media attempt to gather information that appears to be from the IRS, please forward it to [email protected]

Explore Security Center

Secure Browsing

Small Business Resources

The coronavirus situation reminds businesses everywhere that their employees, financial operations, supply chains, and customer relations can all be affected. Strengthen your disaster readiness planning with these resources that can help you create a written plan, keep employees safe, and find financial assistance.

Explore Resources

Economic Injury Disaster Loan Emergency Grant

As part of the CARES Act, the Emergency Injury Disaster Loan (EIDL) Program was amended to add a $10,000 emergency grant that is immediately available to businesses.Applications to the EIDL Program can be made online directly to SBA.

Apply Now

Refinance a CenterState Loan with an SBA 7(a) Loan

Existing customers may be eligible for a new SBA loans with the following terms:

  • Permitted Use: The existing conventional loan cannot have been 30+ days past due in the past three years, and the original proceeds must have been for an eligible SBA 7a loan purpose. Generally speaking, the SBA loan payment must reduce the existing payment by 10% or more. Some exceptions to this, for example, if the conventional loan has a balloon or if the SBA authorized loan term is significantly longer than the remaining conventional loan maturity.
  • Amount: Up to $5 million, but loan below $350,000 require less collateral and are faster to close due to reduced underwriting requirements.
  • Term: 7-10 years for non-real estate loans and up to 25 years for real estate loans.
  • Rate: Interest rates are determined by size and risk category.

How to Apply: Please contact your SBA Relationship Manager to complete your application. In addition, you must submit the application with a signed and dated IRS Form 4506-T which gives the IRS permission to provide your tax return information.

CEO Update: Community and Small Business Relief

– April 2, 2020

To our valued customers and friends:

First let us say thank you. Thank you to those that are on the front line of this COVID-19 battle – the medical workers, the pharmacy technicians, the truckers, the grocery workers, our Bank tellers and all of the other essential workers that make it possible for us to continue our lives safely. They provide these services despite the risk to their own health and they deserve our respect and gratitude.

Our lives have radically changed over the past month, not just in how we live, but also in how we cope with our finances. I want you to know that your CenterState partners are here for you as we navigate these challenges together using our experience and the resources now available to us.

Access To Your Money

Last week, to allow easier access to your accounts, we increased your mobile deposit and ATM withdrawal limits, began waiving all ATM fees that other financial institutions might charge you for using their ATMs, and began waiving certificate of deposit (CD) early withdrawal penalties.

Our drive-thru lanes remain open to serve you, and you can make appointments with your local branch to access your safety deposit box and conduct loan closings or other more complex transactions. We will continue to evaluate our ability to safely reopen our lobbies, and encourage you to periodically check location availability and hours on our website. If a branch has been temporarily closed, it is for everyone’s protection while an employee, a family member or someone they may have been in contact with is being tested for the virus.

As you are aware, your deposits are insured by the FDIC up to $250,000 for deposits in the same title and ownership. Every year, banks pay into an insurance fund to support this guarantee in times like these, and the insurance fund is currently at record levels. We also point out that since 1933, the date of the FDIC’s founding, no depositor has ever lost a penny of FDIC-insured funds.

We can work with you to maximize your FDIC insurance coverage. We have a program where we aggregate this insurance through our bank network, and by spreading the deposit around multiple banks, depositors can have even more FDIC coverage.

Loan Forbearances

The disruption in cash flow caused by this pandemic has been immense. The newly enacted CARES Act plus associated other relief from the Federal and State governments will help in the coming weeks. In order to ease your immediate burden, CenterState is offering 90-day loan payment deferrals. For more information on our consumer and commercial forbearance programs, you can find information and the application form on our website at our Payment Relief Page.


Last Friday, the President signed into law the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), to provide support to both households and businesses due to COVID-19 and its related consequences. The CARES Act appropriates an unprecedented $2 trillion in aid and comes at just the right time as many Americans are feeling financial pain.

Some of the CARES Act provisions, particularly those targeted at individuals, will go into effect immediately with relief targeted to be delivered in approximately three to four weeks. We put together a summary of the major provisions of the CARES Act that could impact you and it is available and it is available on our blog.

Of particular importance to many of you who operate small businesses is the Paycheck Protection Program (PPP). This program provides SBA guaranteed loans that can be forgiven to the extent that the loan proceeds are used for certain payroll costs, interest on mortgages, rent, and utilities. These costs must be incurred and paid during the eight weeks after the loan is made and forgiveness is based on retaining employees during that time.

Loan payments under the PPP will be deferred for six months. Any amount not forgiven will bear interest and mature two years after the forgiveness amount is applied. No collateral or personal guarantees are required. If you are a business owner or manager and would like relief under this program please register.

Of course, each situation is unique, and some of the CARES Act programs can be impacted by state programs, so you should consult your tax professional, financial advisor, and/or your legal counsel.

We’re working diligently to make different programs and needed information available to you and we look forward to helping you meet the financial needs of your family and your business.

Please keep your family safe and if there is anything CenterState can do, please reach out to your local banker or contact our Customer Care department at 855-863-2265

John Corbett, CEO

John Corbett
Chief Executive Officer

Past Messages

Helping Customers and Communities

- March 18, 2020

To our valued customers and friends:

In normal times, the core values of CenterState serve our company as a gentle reminder to help us focus on what is most important. In times of stress and anxiety, like the environment we find ourselves in today with the spread of COVID-19, our core values serve to give us crystal clear and sober direction as we consider our priorities in actively responding to this situation: Be local market driven, look at the long term horizon, provide world-class service, focus on our relationships and our faith and family.

Underlying our actions is the assumption that the COVID-19 situation is going to get worse before it gets better. As more test kits are available, we expect reported cases to jump. Our health care system will be taxed, and we will need to increase required social distancing. While the coronavirus is fundamentally a health crisis, the disruption in our daily lives from this disease will unfortunately hurt the economy and livelihood of many of our customers and impact the bank.

As we continue to respond to this crisis, we wanted to detail some of the steps we are taking to protect our customers, our employees and their families as well as the bank.

Protecting the Health of our Customers and Employees

Nothing is more important than the health and safety of our customers, employees, and those most vulnerable to COVID-19 in our communities. We have, and are planning to put the below action items in motion:

Potential Branch Changes: Currently, our branches are fully open for all your banking needs and know that we have increased cleaning and sanitization efforts. However, we want to make you aware as conditions have continued to change, we are transitioning our locations that have drive-thru lanes to conduct most business through the drive-thru only effective March 20th, in order to protect both our customers and employees. We have based this decision on several factors, including the safety and health of our employees, and we will keep this plan in effect until we, and public officials, determine that health and safety risks have come back down to manageable levels.

Our dedication to world-class service has only increased. We also look to increase staffing and hours as needed at our drive-thru stations and remind customers that in addition to appointments, they can access banking services online, on their mobile device, by ATM, and by calling Customer Care at 1-855-863-2265. We will be flexible in scheduling appropriate meetings with your local lenders and bankers as needed and encourage you to reach out to them for your banking needs.

Social Distancing: We have asked customers that visit our branches to practice social distancing to protect them and us. We also have already asked most of our employees to work from their homes, and this week we are moving many more to work remotely. We have already dramatically limited or eliminated all in-person meetings, business travel, and conferences. We now turn our attention to helping our customers achieve the same.

Family Support and Health: We know we cannot provide world-class service unless our employee’s families are safe and healthy. In addition to education, we are currently providing paid leave for those that need it, and giving time to help our employees find suitable daycare for their children where appropriate.

Providing Financial Relief

Loan Assistance and Payment Forbearance: We are reviewing our lending relationships and are actively reaching out to those existing customers most in need to understand their situation better. While we always want new customers, our first commitment is to our current relationships, and we are managing our resources accordingly.

As we reach out, we are acutely aware of those businesses that have sustained a rapid reduction in cash flow. Therefore, we have re-opened our forbearance program for existing borrowers that may have difficulty making loan payments as a result of the disruption to their businesses due to COVID-19. Because our relationship managers are trusted financial advisors backed by local presidents, we can make quick decisions and deliver focused financial advice in cash flow management, marketing, communications, contingency planning, and strategy. If an existing customer needs additional assistance, we will work with you and available government programs to try to make that capital available as quickly as possible.

Protecting Our Communities

Charitable Giving: In the midst of this crisis, we do not want to forget to continue to outwardly show our investment in our communities. We are therefore increasing our donations to the communities we serve and have made grants and supply donations with an emphasis on personal protection equipment and disinfectants. These decisions are made at the local level by community presidents as they know their market best, and they are closest to the need.

Our management team has experienced multiple downturns, including the most recent great recession, and are preparing for an economic slowdown now. Given the fact that we have been in a record-long economic growth cycle, we have prepared for an economic slowdown and prepared our balance sheet to be more fortress-like by reducing credit risk, increasing liquidity, and bolstering capital. Now is the time to make these efforts pay off.

As dire as the news feels, the bright side is that disasters and crises bring out the best in us. Over the past week, we have heard many stories of our employees and customers banding together and helping others. From the healthcare and janitorial workers putting in 20-hour days, to neighbors helping neighbors, to the volunteers that are bringing groceries to people’s homes, we are comforted to realize that COVID-19 isn’t the only phenomenon spreading – so is love, kindness, strength and caring. I am proud of the effort the men and women of CenterState have put into this crisis so far, and if they are any indication of America-at-large, we will successfully meet this challenge.

This is a dynamic situation, so look for more updates shortly.

Until then, stay safe and take care,

John Corbett, CEO

John Corbett
Chief Executive Officer

Branch Update

- March 18, 2020

Dear Customers:

The foundation of our business is our relationship we have with you, our customers. The priority we place on caring for our customers has not changed as we all attempt to address a global health crisis impacting every aspect of daily life. This moment in time is difficult but temporary. Following guidelines of the CDC and the World Health Organization, we will continue to conduct the business of banking, but with a focus on public health. We intend to remain true to our core values while being adaptable in order to create safe interactions for all and with as little disruption as possible. Here are a few temporary adjustments we are making:

Banking Services

  • Effective Friday, March 20, we will be transitioning our branch operations to drive-thru only. Our intent is to ensure the safety and health of our employees and customers.
  • Based on the need to continue to provide world-class service, we will look to expand drive-thru hours at those locations that need it to accommodate everyone. Modified times and locations will be posted on our website and will remain in effect until April 3, 2020, when we will reevaluate health and safety conditions.
  • Our ATMs will continue to operate plus online and mobile banking are available at any time for your banking needs.
  • Branch business will be available by appointment to meet with lenders, conduct fund transfers, loans, and other banking business that cannot be done through other channels. This includes access to safe deposit boxes. Please do not hesitate to reach out to your local banker for your specific needs.
  • You may also call Customer Care at 1-855-863-2265.
For more information, please contact your branch representatives, who will be more than happy to help you navigate these adjustments and address your specific needs. We appreciate your understanding and know we can get through this together.

A Message From Our CEO

- March 9, 2020

To our valued customers and friends:

Our highest priorities are the health and safety of our staff, our customers, and the well-being of the communities we serve. To that end, like many banks, we have activated our Pandemic Contingency Plan as a precautionary step in response to COVID-19. Our Plan follows guidance from the Centers for Disease Control and Prevention (CDC) and state and local public health authorities in the areas we serve. Invoking the plan ensures that we have the right level of resources and risk management devoted to your health and safety during this time of public health and economic stress. The goal of this effort is to make sure we have a dynamic and appropriate response to the risk caused by this virus. Unlike the common flu, there are enough unknowns that caution is warranted.

While not a comprehensive list, the Plan calls for:

  1. Increased cleaning and sanitization efforts in our public and private locations while reinforcing healthy habits for our staff;
  2. Keeping our products and services fully available to you;
  3. Supporting our customers and employees that are at-risk or have special needs;
  4. Monitoring the financial markets and discussing options for customers to meet their changing financial needs;
  5. Increased stakeholder communication and education;
  6. Limiting business-related employee air travel until further notice and using teleconference capabilities instead;
  7. Modifying, postponing or canceling large meetings; and
  8. Enhanced risk monitoring and management.

We want to make sure you have access to all the financial services we offer regardless of how this virus progresses. While we do not anticipate any branch closures at this time, you can access your accounts and services without needing to visit a branch by using our online banking or mobile banking app, or by calling our Customer Care staff at 855-863-2265. If you have not done so, this is an excellent time to get access to each of these channels and to set up automated services such as direct deposit, bill pay, and others.

Here at CenterState, our core values of being locally responsive, keeping a long-term horizon, living our faith, loving our family, helping our customers meet their objectives, and providing world-class service have never been more critical. Our objectives are not only an exercise in limiting business disruption, but of leadership in a time of need. We are in this together, and if there is anything that we can do to assist you, please do not hesitate to reach out to our local bankers.

As always, thank you for the opportunity to serve you.


John Corbett, CEO

John Corbett
Chief Executive Officer