CentricCU Mobile App

A strong credit score and secure identity are essential tools for reaching your financial goals. As more aspects of our lives shift online, safeguarding them demands greater attention and a deeper understanding. That’s why we’ve integrated routine monitoring into our online banking app—making it easier than ever to stay on top of your credit. We’ve integrated comprehensive routine monitoring directly into our online banking app, so you can stay informed and in control—whenever you need it.

With our app, you can:

• View your credit score and report directly inside the app, making it easy to track your progress and understand your financial health.
• Benefit from 24/7 monitoring, so you’re always in the know if any changes occur on your credit report, providing peace of mind at all times.
• Get credit usage insights and real-time alerts to help you stay on top of your spending and avoid any potential issues before they become problems.

With Insights, you can take full control of your finances by setting budgets, creating goals, and identifying spending trends—all in one place. Here’s how it helps:

• Set Budgets: Easily create and track budgets for different spending categories, helping you stay on top of your finances and avoid overspending.

• Create Financial Goals: Whether you’re saving for a vacation, a down payment on a house, or an emergency fund, you can set specific goals and track your progress toward achieving them.

• Identify Trends: Gain valuable insights into your spending patterns over time, so you can make smarter decisions about where to cut back or invest more.

• Monitor Cashflow: Keep an eye on your income and expenses in real time to ensure you’re managing your cashflow effectively.

• See All Accounts in One Place: Instead of logging into multiple accounts, Insights brings together all of your financial data—from bank accounts to credit cards to loans—into a single, easy-to-read dashboard.

This all-in-one tool helps you stay organized, make informed financial decisions, and ultimately achieve your financial goals with greater ease.

Note:  Linking accounts does not provide transfer capabilities to or from an external account. With External Transfer accounts managed on the Add External Accounts page, you can transfer funds between accounts at Centric and external accounts after two micro deposits are made to ensure your ownership of the account at the other financial institution, as well as our ability to move money to or from it. Account information for linked accounts is view-only. Although you can see balances and transactions and modify categories and descriptions, you cannot create new transactions for linked accounts or transfer funds between linked accounts. Some financial institutions do not allow external authentication of this type, so you may not be able to add certain banks or accounts/cards.

Conversations is a safe and easy way to talk with a MyCentric representative. You can use it to ask about a specific transaction, payment, or anything related to your account. This feature allows you to attach relevant transaction details, such as payment receipts or account statements, to make your discussion quick and easy.

The system was built to keep your information safe while keeping it simple to use. Conversations makes sure your personal details are protected with strong security, but it’s still easy for you to get the help you need. It’s the ideal tool for managing and resolving your account-related needs in a trusted and responsive manner.