Century Bank of Florida logo

Century Bank of Florida in Tampa, FL

4.2/5

FDIC-insured bank based in Tampa, Florida offering personal and business banking with competitive rates, online access, and loan services.

Data compiled from public sources · Rating from CreditDoc methodology

Century Bank of Florida Review

Century Bank of Florida is a traditional community bank headquartered in Tampa, Florida at 716 West Fletcher Avenue. The bank has been serving customers through multiple service channels including in-person banking, phone banking (1-888-245-8991), and digital platforms. S.

Government, providing deposit protection up to applicable limits. The bank offers a comprehensive suite of financial services including personal banking, business banking, loan services, and deposit accounts. Their deposit products include Interest Checking Accounts, Money Market Accounts, and other savings vehicles with tiered interest rates based on balance levels.

They provide online banking through their "Century Connection" platform, enabling 24/7 account access. The bank also offers competitive loan services described as serving "every part of your changing life," though specific loan products are not detailed on the provided website content. Century Bank of Florida emphasizes security and customer service, with dedicated online security measures and a customer service center for account support.

The bank maintains traditional banking hours with phone support and maintains multiple service channels to accommodate different customer preferences. 40% APY depending on balance levels. As a regional community bank, Century Bank of Florida serves customers seeking FDIC-insured deposit products and traditional banking services in the Florida market.

However, the website provides limited detail on specific loan products, business banking features, rates for those services, or competitive advantages beyond general marketing statements. Prospective customers would need to contact the bank directly for comprehensive information on loan terms, business account features, or detailed service comparisons.

Services & Features

24/7 account access and digital banking
Business banking and business accounts
Customer service center support
FDIC deposit insurance coverage
In-person banking at main office and branch locations
Interest Checking Accounts with 0.20% APY
Loan services (specific products not detailed)
Money Market Accounts with tiered rates up to 0.40% APY
Online banking through Century Connection platform
Online security and fraud protection
Personal banking accounts (checking and savings)
Phone banking via 1-888-245-8991

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC-insured deposits with full U.S. Government backing
  • 24/7 online banking access through Century Connection platform
  • Multiple service channels: in-person, phone (1-888-245-8991), and digital banking
  • Tiered Money Market Account rates up to 0.40% APY on balances of $500,000+
  • Dedicated online security measures and privacy protections
  • Business banking and loan services available alongside personal accounts
  • Main office located in Tampa with accessible customer service center

Cons

  • Deposit rates are relatively low (0.20% checking, max 0.40% money market) compared to online banks and high-yield savings options
  • Website provides minimal detail on specific loan products, terms, APRs, or eligibility requirements
  • Limited information about business banking features, products, or competitive advantages
  • No details provided on fee structures, minimum balance requirements, or account maintenance costs
  • Regional Florida-based bank with no clear indication of service availability outside Florida or digital-only account opening capabilities

Rating Breakdown

Value
5.0
Effectiveness
3.7
Customer Service
3.8
Transparency
4.0
Ease of Use
4.5

Frequently Asked Questions

Is Century Bank of Florida legitimate?

Yes. Century Bank of Florida is a registered company, headquartered in Tampa, FL, founded in 2000.

How long does Century Bank of Florida take to show results?

Account opening typically takes 1-3 business days. Loan decisions vary by product.

Quick Facts

Founded
2000
Headquarters
Tampa, FL
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #35558
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Century Bank of Florida

CreditDoc Diagnosis

Doctor's Verdict on Century Bank of Florida

Century Bank of Florida is best for Florida-based customers who value FDIC-insured deposits and traditional banking relationships over online convenience and competitive rates. The main caveat is that deposit rates are significantly lower than national online banks and high-yield savings alternatives, and the website lacks transparency on loan products, fees, and specific business banking offerings—requiring direct contact with the bank for comprehensive service details.

Best For

  • Florida-based customers seeking FDIC-insured traditional banking with in-person branch access
  • Business owners in the Tampa area looking for comprehensive business banking and lending relationships
  • Depositors prioritizing security and regulatory protection over competitive interest rates
Updated 2026-04-29

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