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Customer Corner

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A Banking Blog with Information Centered Around You.

The Central Bank banking blog is your go-to source for insight aimed at helping you better manage your finances -- and continue working toward your personal and business banking goals. Read on, soak up useful information and stay in the know. Our banking blog is here to help.
 
 

 

Benefits of a Swimming Pool Loan in Texas

How popular are private swimming pools in Texas? Just searching for “Homes for Sale with Swimming Pool in Houston” generates more than 1,000 listings. It’s clear that a backyard pool is a desirable feature in a state with hot and dry summers.

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How Much Savings Do You Need in Your 30s, 40s, 50s and Beyond?

Our previous article, Building Your Emergency Fund While Saving for Retirement, covered the basic building blocks of saving throughout your life. If you’ve started an emergency savings account, you’re one step closer to financial security and independence. Now we’ll break down retirement savings benchmarks by age. Whatever your ideal retirement age is, you’ll need to achieve financial independence first. Here’s how to do it.

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Building Your Emergency Fund While Saving for Retirement

Are you prepared to handle an unexpected expense without going into debt or asking friends and family for help? If the answer is no, you’re not alone. Many Americans say they “would have difficulty handling an emergency expense as small as $400,” according to the Federal Reserve’s sixth annual Survey of Household Economics and Decisionmaking.

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Financial Literacy for Young Adults

What You Need to Know as You Grow. Growing up, you spend your days learning new concepts and gaining the knowledge that will help you succeed in life. Recent surveys, however, have revealed that many people are lacking the basic financial skills to thrive as adults. As with any skill, knowledge isn’t the ultimate goal. Financial literacy must be practiced in order to serve you well as an adult. At Central Bank, we support the young members of our community with specialized banking products and the advice you need to be successful. It’s never too early to start practicing good financial habits that will benefit you throughout life.

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Buying Your First Home in Houston: What You Need to Know

Houston is an ideal place for homeownership. When you combine the city’s affordability and robust economy with the overall favorable environment for home ownership—interest rates are still historically low—buying your first home in Houston is definitely worth considering. In this article we’ll look at why buying a home in Houston is a good idea, whether you’re looking to buy a home in Northwest Houston, the Heights, Uptown, Midtown or anywhere in between. Then, we’ll help you assess your own readiness for homeownership. Finally, we’ll walk you through the mortgage application and qualification process so you are ready to begin the home buying process.

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FAQs: Your Guide to CDARS

Are you looking for a safer way to save? Protect your nest egg with our Certificate of Deposit Account Registry Service®, known as CDARS®. Administered by Promontory Interfinancial Network, a trusted partner of more than 3,000 financial institutions in the U.S., the CDARS service allows you to maintain a single relationship with one bank while receiving FDIC deposit insurance on up to $50 million, far more than the current limit of $250,000 per bank. So, you can continue to deal with CBHOU, the community bank that focuses on you, while receiving the same benefit as would come from holding multiple savings accounts at different financial institutions. As an added bonus, member banks in the CDARS Network swap deposit amounts. This means that, although your savings is divided among different banks, the total amount you deposit in CDARS will go to your primary bank for use with local lending.

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Small Business Recovery After COVID-19

As a longtime community bank, we know how to help Houston small businesses through hard times. In this article, you’ll find information and resources to help your operation reopen and recover from the challenges of the pandemic. Have questions? Our relationship bankers are always happy to help.

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Tips for Scaling Your Business in Houston

In this post, Central Bank talks about the next step in running a successful business: scaling up. This process rarely happens by accident—type “business overnight success stories” into your search engine and most of the results have the word ‘myth’ in the headline. Instead, entrepreneurs who successfully scale their businesses usually start with a plan. Here is a step-by-step guide to the process of planning and executing a successful scale-up for your Houston business.

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The Benefits of Enhanced Business Online Reporting

Central Bank is proud to offer Enhanced Business Online Reporting for our valued business customers. Accurately monitor and control your online accounts with our menu of smart, customizable reporting tools. Take control of your corporate finances with electronic reporting, scheduling, and privilege control. Your business will run smoother than ever before with the help of Central Bank’s Enhanced Business Online Reporting.

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FAQs: Your Guide to Insured Cash Sweep

Eliminate risk, earn interest on your funds, and make withdrawals when you need to with Insured Cash Sweep® service. Administered by Promontory Interfinancial Network, a trusted partner of more than 3,000 financial institutions in the U.S., the ICS service enables customers to maintain their current banking relationship while enjoying the peace of mind of multi-million-dollar FDIC insurance.

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