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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.
 
 

 

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

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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Tips for Starting Your First Business in Houston

As a first-time entrepreneur, the business start-up process can seem overwhelming. That’s why we created this localized guide to help new business owners in Houston. From conducting market research and crafting a business plan, to choosing a legal structure and registering your business, we break down the steps for starting your first business in Houston.

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How to Discuss Your Company Vision with a Bank or Lender

Whether your business is brand new or long-established, big or small, the need for a company vision is something all companies have in common.

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Why Your Houston Business Should Partner with a Relationship Bank

Are you happy with the financial institution you use for business banking? If you’re not already working with a community bank, which tends to be the most supportive of small businesses and dedicated to relationship banking, the answer is probably no. According to the Federal Reserve Bank of New York’s 2016 survey, 61% of small businesses interviewed had dealt with financial issues in the previous year, the majority of which involved access to credit.

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