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Helpful Resources

For over 60 years, Central Bank has been devoted to servicing Houston’s businesses. We’re passionate about supporting our customers and the community we work and live in. We continue to be here for your business during this challenging time. With the Central Bank Helpful Resources page, we hope to empower you with financial knowledge and resources to make informed decisions.

All of our lobbies are open and have resumed normal business hours.  

SBA - PPP Update on Loan Forgiveness

For those Central Bank clients who received funding and are eligible for loan forgiveness, you will soon be able to complete an online version of the SBA’s Paycheck Protection Program (PPP) loan forgiveness application. The online application will include the new provisions and streamline the process, it will walk you carefully through each step ensuring a quicker and more convenient experience than filling out a paper application. Our online portal will capture all of your application details and supporting documentation needed for SBA loan forgiveness.

We are not accepting applications at this time and will email you once the Central Bank PPP Loan Forgiveness online application portal is available. Please note, there is no rush to apply and as your community bank, we will keep you updated on important dates for the loan forgiveness process. We strongly recommend that you begin preparing for the application process by gathering the required documents. Having your required documentation ready for electronic upload will be imperative to submitting your forgiveness application successfully. You will need to upload scanned documentation during the online application process.

Detailed information about applying for PPP Loan Forgiveness can be found in this SBA Presentation (English) and SBA Presentation (Spanish). We encourage you to print this resource and use it as a reference. Once you are able to apply, our team will be monitoring the online system and notify you that we have begun to process your request. We will try to respond as soon as we can, but by law the bank has 60 days to provide a decision. For additional details about the application process, please visit the SBA website for FAQs on PPP Loan Forgiveness.

We understand that loan forgiveness is important to you and your business, and we remain committed to supporting our clients during this next phase and provide you with the high level of service you expect from Central Bank. We will keep you informed, and look forward to continuing to support and guide you through the PPP process. If you have any further questions, feel free to reach out to your banker directly.

Scam and Fraud Alerts

Warning: Fraudsters Use Global Crises, like Coronavirus, to Phish

Don’t take the bait. Be alert to phishing emails, fraudulent text messages and other coronavirus-related scams. The coronavirus (COVID-19) has provided fuel for cyber criminals to prey upon the public’s concern about this global crisis. Recent scams are designed to trick people into sending money, to disclose personal information or to click on emails and websites that deliver computer malware onto your computer or network. 

Review this document, and be on the lookout for grant fraud, loan fraud and phishing!

Cyber criminals are sending emails claiming to be from legitimate organizations with information about the coronavirus. Be on the lookout for suspicious email and text messages, medical supply scams, and fraudulent donation sites that may impersonate a company, charity, or government agency. Make sure to verify the authenticity of any website before making any purchases or donations so you do not share sensitive information. If you receive a suspicious email or text message, don't respond, click on any links, or open attachments. As a reminder, Central Bank would never ask you for your personal information, PIN numbers, or login credentials.

Paycheck Protection Program (CARES Act)

Central Bank is grateful for the trust our customers had in us to guide them through the process. We were able to complete our customer's applications, and help fund their requests through the PPP plan.

The Small Business Administration (SBA) is offering multiple funding options for those seeking relief. The Paycheck Protection Program (PPP) is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll and will be administered by the SBA. This program provides loans to our business customers impacted by the current economic environment to assist with covering costs related to payroll (including healthcare and certain related expenses), mortgage interest, rent, leases, utilities and interest on existing debt over the next few months.

To keep up to date on these programs, please stay in contact with your local SBA District Office, which you can locate here.

Detailed information from the U.S. Department of the Treasury can be found here.

SBA Economic Injury Disaster Loan

In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000. This advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available following a successful application. This loan advance will not have to be repaid.

This program is for any small business with less than 500 employees (including sole proprietorships, independent contractors and self-employed persons), private non-profit organization or 501(c)(19) veterans organizations affected by COVID-19.

Businesses in certain industries may have more than 500 employees if they meet the SBA’s size standards for those industries.


Sales Tax Relief

These are challenging times for businesses all over the nation. The Texas Comptroller’s office knows that during periods of economic hardship, paying or remitting taxes and fees on time can feel like an extra burden when there’s so much uncertainty. If your business is struggling to pay sales tax, please click the link below to find out how the Texas Comptroller office can help.


COVID-19 Response

We understand the significant impact that the coronavirus pandemic is having on many of our consumer and small business customers. We're committed to continuing to support your banking needs while providing a safe environment. Rest assured that even with the preventative recommendations by the CDC and the State of Texas to contain the coronavirus (COVID-19), banking is deemed an essential activity.

As we navigate these uncertain times together, the safety and well-being of our customers, employees and the communities we serve remains our top priority. We will continue to update this site on the steps Central Bank is taking to do just that.

Stay Connected to Your Finances

Customers are encouraged to use online and mobile banking services to view account balances, deposit checks, transfer funds between your Central Bank accounts, transfer funds to accounts you own at other financial institutions, pay bills and, and make person-to-person payments.

We want our customers to be confident in the fact that they can bank with us anywhere, anytime. If you are not enrolled in online banking, you may enroll here.