Safe Deposit Box

A deposit box offers you a convenient way to secure and protect vital family documents and heirlooms and a safe place to keep the items that you simply cannot afford to lose.

Benefits of a Safe Deposit Box

Safe deposit boxes are kept securely inside a bank vault. This means you have the peace of mind of knowing that your valuables are protected in a location accessible only to you.

Rental Information

Rental fees are annual, with all payments due June 1st. Rental fees will be pro-rated on a monthly basis. The key deposit is a flat rate of $20.00, which refundable upon return of both keys when the box is closed.

All renters of safe deposit boxes at Central Federal will need to sign our safe deposit box contract. There will be no refund of charges on termination of box rentals unless Central Federal initiates termination.

Special Safety Deposit Box Notes

The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Safety Deposit Boxes products are not insured by FDIC or any Federal Government Agency.

Box SizeBilled ChargesAuto-Debit Charges
3 × 5$15$14
5 × 5$25$23
3 × 10$30$28
5 × 10$35$33

Reorder Checks

Central Federal appreciates your business and wants to make your banking experience convenient and gratifying. We are partnered with Harland Clarke to give you a quick and easy way to reorder checks and with numerous check designs to match your style.

Order Online

You can order your checks online by:

  • Going to our secure ordering site hosted by Harland Clarke
  • Entering CF’s routing number and account number to log in
  • Following the step by step process to reorder or pick a new design

Order by Phone

Order your checks over the telephone 24 hours a day by contacting Harland Clarke. You may also call Central Federal during business hours to place your order.

Contact Harland Clarke at the numbers below 24 hours a day:

Personal checks orders:
(800) 275-1053

Business checks orders:
(800) 503-2345

Order in Person

Drop off your check reorder form at our location or give us a call. We are here to make life easier for you.

Find your Central Federal checking account routing number

Your routing number identifies the location where your account was opened. You’ll often be asked for your checking account routing number when you’re making a payment online or by phone. It’s also referred to as an RTN, a routing transit number or an ABA routing number.


Your bank routing number is a nine-digit code. It’s the first set of numbers printed on the bottom of your checks, on the left side.

Your account number (usually 10-12 digits) is specific to your personal account. It’s the second set of numbers printed on the bottom of your checks, just to the right of the bank routing number. You can also find your account number on your monthly statement.

If you still have any trouble finding it please give us a call at 573.364.1024.

Transfer your money the way you want

A wire transfer is an electronic transfer of funds from one financial institution to another. To receive a wire transfer into your checking account, you will need to provide the sender of the wire transfer the appropriate routing number and your checking account number.

External transfers

Transfer money between your Central Federal accounts and accounts you hold at other financial institutions.

  • For outbound transfers (from a Central Federal account to another financial institution), funds are typically available in the external account 2-3 business days after you initiate the transfer.
  • For inbound transfers (from accounts elsewhere to your Central Federal account), you’ll never pay a fee — and you have a choice of speeds. Use free standard delivery to receive the funds in your Central Federal account in 2-3 business days. For more urgent needs, free next-day delivery is also available.

One-time transfers

Make sure your money is right where you need it for large purchases or when bills are due.

Schedule in advance

Pick the date that works for you, up to a year in the future.

Recurring transfers

Set up a savings or stock-purchase plan and stick to it by making it automatic.

Internal transfers

Transfer between your Central Federal accounts immediately. We don’t charge a fee to transfer funds internally. With Central Federal online and mobile banking, you can safely control your money wherever you are.

MoneyPass® ATMs

More of what you need now.

There’s a reason more than 95 million cardholders rely on MoneyPass. It gives cardholders what they want — easy access to 32,000 surcharge-free ATMs nationwide and extensive card acceptance at millions of POS merchants worldwide.

Locate with your favorite connected device.

You may utilize your phone or tablet to access the app. Download for an enhanced experience designed specifically for your iPhone® or Android™ device.

Using a MoneyPass® ATM

Use your MoneyPass ATM card at any of the ATMs listed in the app without paying a surcharge. If an address has more than one ATM, please look for the MoneyPass logo on a sign at the ATM or displayed on the ATM screen to avoid paying a surcharge.

Search for “Central Federal Mobile Banking”.