Featured Savings Rates
Featured Accounts

CenterState Bank of Florida, National Association

Popular Accounts at this Bank

1.50%5-year CD60 Month CD
0.25%1-year CD12 Month CD
0.05%SavingsPersonal Savings

Overview / Commentary
1101 First Street South
Winter Haven, FL 33880

CenterState Bank of Florida, National Association is headquartered in Winter Haven and is the 8th largest bank in the state of Florida. It is also the 205th largest bank in the nation. It was established in 1992 and as of December of 2016, it had grown to 945 employees at 67 locations. CenterState Bank of Florida, National Association has an A health rating.

Related Posts

View all posts from:

Reviews (4)

Convenient and supportive

Posted by: April14 | Nov 10, 2016

I've been banking at Center State for about three years now. What initially drew me in were the free ATM transactions at Publix (a local grocery store). Since there is a Publix seemingly on every corner, free ATM transactions are plentiful. This was always a problem with my old bank, since you can get charged upwards of $6 simply for taking out money. They have a decent mobile banking app, although sometimes it freezes on me and I have to restart it. The closest branch is about 10 minutes from me, so it's fairly convenient. When I do have to go into a branch, I'm always very happy with the customer service. I think that's a benefit from banking locally - you aren't "just a number" (at least not usually). What I really like is their knowledge on the housing market and mortgage loans and stuff like that. We're buying our first home soon, and recently inquired about rates, etc. I like this bank because since they're based here i Florida, and Florida has a somewhat unique housing situation as well as premiums for hurricanes, etc., they know all the ins and outs of buying and financing a home here. I think a national bank would take too broad of an approach to home buying in FL. I do think this bank is worth a try.

CenterState Bank - Like a Hometown Bank

I started with this bank over two years ago, the customer service is amazing. They are always smiling and willing to help with any financial problems that you might have. They offer a $500 leeway for any transactions coming through in case you do not calculate properly or have something come out that you were unaware of. They are always just a phone call away and if your account needs some TLC they actually call you and let you know if there is something to do to bring it back up.

Apple users not welcome here!

Posted by: MacUser | Feb 5, 2015

The setup of my account was a delightful experience as the woman was totally knowledgeable and friendly. She made suggestions as to which type of account would be most useful for me, and told me about setting up my own mobile account once I got home.

After a few months of activity in my checking account, I went online on my own, and was given error message after error message. After a long wait on the phone, a representative told me how to set up the account, which was not easily apparent from the website. Finally, I "got into my own account", after affirming my mother's maiden name and the name of her first pet.

Then I tried to download a copy of a paper statement, and all I got was a screenshot of the home page. Back to the phone, no one was able to assist me, and could not figure out how to access the statement. I was told I could come into the bank for a copy, but it would cost me a fee. FINALLY, I asked if having a MAC computer might be the problem. They put me on hold for awhile, and came back with the announcement that their IT department told them the statements could not be viewed from a MAC at this time, but sometime in the future it might be possible.

I consider this a flaw in their web design, and though MACs are not ubiquitous in the banking industry, the iOS is certainly popular.

I signed up for paper statements to be mailed to my home address. I just wish the customer service department could have been aware of this at the beginning, and that this information be stated right on the web page itself.

15 years as a customer and will be closing my account

I have been with Community Bank in Florida for 15 years but Center State just acquired my very localized bank not even a year ago. Anyway, there are many banks that don't have a minimum balance. Apparently my account went under $250 and I saw that this crappy bank charged me $11 for going having a balance under certain amount. I am still so mad that a bank can charge people for not having money. So it's OK for them to take more money from my account when I don't have any to begin with. But I don't get a dime when they are using my money for their own personal gain. I am actively looking for a new bank as I type this out and I hope you post this review online for them to see. The customer service has gone downhill as well. I called and explained how unhappy I was and the girl HAD the NERVE to tell me she is refunding my $11 and to not bring my balance under $250 again. I was so mad about her telling me to be careful with MY money that I explained that I will be leaving their bank as soon as I can. Banks don;t have any rights to tell me how to handle MY money. They are using my money for their gain and I am not on the phone giving them advice, but they have the nerve to tell me to watch my account closer? I will be finding a new bank without these ridiculous fees.


Health Grade Components

FDIC Certificate #33555
Year Established1992
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD8.46%
Annual Interest Income$190.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$5.07B$4.01B
LoansQ4 2016vs Q4 2015$3.40B$2.57B
DepositsQ4 2016vs Q4 2015$4.16B$3.22B
Equity CapitalQ4 2016vs Q4 2015$548.7MM$485.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$27.0MM$22.3MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$29.2MM$34.5MM
Real Estate OwnedQ4 2016vs Q4 2015$7.1MM$1.6MM
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not CenterState Bank of Florida, National Association; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

CenterState Bank of Florida, National Association Savings Account Rates

0.25%$50-Health Savings Account
0.05%$100-Personal Savings
0.05%$100-Business Savings
0.05%--Personal Savings - Minor

CenterState Bank of Florida, National Association Money Market Rates

0.10%*$100k*-Personal Money Market
OTHER TIERS: 0.05% $2k - $100k
0.10%*$100k*-Business Money Market
OTHER TIERS: 0.05% $2k - $100k

CenterState Bank of Florida, National Association Checking Account Rates

0.05%$50-VIP Free Interest Checking
0.05%$50-Business Interest Checking
0.05%$50-Community Hero Checking
0.05%$50-Interest Checking
0.05%--Relationship Checking

CenterState Bank of Florida, National Association CD Rates

1.50%$500-60 Month CD
1.25%$500-48 Month CD
1.01%$5k-13 Month CD Special
1.00%$500-36 Month CD
0.75%$500-24 Month CD
0.65%$500-18 Month CD
0.25%$500-12 Month CD
0.20%$500-9 Month CD
0.15%$500-6 Month CD
0.05%$500-3 Month CD

CenterState Bank of Florida, National Association IRA Rates

1.50%$500-60 Month IRA
1.25%$500-48 Month IRA
1.00%$500-36 Month IRA
0.75%$500-24 Month IRA
0.65%$500-18 Month IRA
0.65%$500-18 Month Variable IRA
0.25%$500-12 Month IRA
0.20%$500-9 Month IRA
0.15%$500-6 Month IRA
0.05%$500-3 Month IRA

CenterState Bank of Florida, National Association has 80 locations. Click to view all CenterState Bank of Florida, National Association locations.