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chestnut hill everett lynn malden medford newton peabody quincy salem somerville wellesley winchester woburn 2016 century bank . all rights reserved . nmls id 411068 equal housing lender member fdic just announced home equity special . click here for details . close window woburn 299 mishawum road woburn ma 01801 781 932 5612 lobby live teller drive up mon. wed. 8 30 4 00 mon wed 7 00 7 00 thurs. fri. 8 30 5 00 thurs. fri 7 00 7 00 saturday 9 00 1 00 saturday 8 00 2 00 live teller drive up faqs regarding your century bank debit mastercard q what s the difference between selecting debit or credit a with debit you enter your personal identification number pin . with credit you don t which makes the transaction that much safer . either way the money is taken directly out of your checking account . q but if i press or say credit does that make it a credit card transaction a no . with your century bank debit mastercard the money comes out of your checking account . q how can i get cash a ask the merchant if cash back is a service they provide . or get cash at a century bank atm and at more than 1 million atms which display the mastercard cirrus nyce or sum logos . frequently asked questions q what is pre approval a a pre approval from your bank outlines the loan amount you may be able to borrow and helps your real estate agent focus your search on properties you will likely qualify to purchase . century bank provides this service at no cost to you . q how long is the mortgage application process a once your application is received it typically takes 30 to 45 business days to close on the loan . q what are the advantages of a fixed rate mortgage a with a fixed rate mortgage your monthly principal and interest payment will never increase during the life of the loan . q what are the advantages of an adjustable rate mortgage arm a an arm may come with a lower monthly payment amount than a fixed rate mortgage which means you may qualify for a larger mortgage . q why would i want a fixed rate mortgage vs. arm a the type of mortgage you choose depends on your needs when you are buying a home . a century bank borrowing specialist will help you understand the best mortgage for your situation . q what is a down payment a the down payment on the purchase of a home is the amount of cash you pay up front with the bank financing the remainder of the purchase price . your century bank borrowing specialist will discuss all loan and down payment options available to you . q what is private mortgage insurance pmi a pmi is required when your down payment is less than 20 % of the purchase price of a home . your century bank borrowing specialist will tell you if this insurance applies to your situation and if so will estimate the cost for you . q what is an appraisal a an appraisal is a report on a property s estimated value made by a certified appraiser . when you apply for a century bank mortgage loan we will initiate the appraisal process for you . q what is escrow a escrow is an account the bank holds in your name for amounts collected monthly along with your mortgage payments to cover taxes and or insurance . when these obligations are due the bank makes the payments for you . q what is a point a a point is a percentage of a mortgage amount paid by the borrower to obtain the mortgage . most of century bank s loans do not come with points . q what are closing costs a closing costs are the fees and expenses associated with a mortgage transaction . the fees may include appraisal credit report attorney services title insurance and points if applicable . your century bank lending expert will provide you with an estimate of these costs when you submit your loan application . q what is a home inspection a a home inspection is optional but always a good idea . as the buyer of a property you hire a professional home inspector to examine it and identify potential problems with the infrastructure that you should be aware of before you agree to complete the purchase . q what is a jumbo loan a a jumbo loan is a mortgage that exceeds the maximum loan amount established by fannie mae the federal home loan mortgage corporation . jumbo loans are also referred to as non conforming loans . q does century bank offer special programs for first time home buyers a yes let your century bank borrowing specialist know that you re buying your first home because you may qualify for special programs that could include more flexible lending criteria . century bank is pleased to provide free pre approvals . simply select the borrowing product you are most interested in and complete the application to the best of your ability . one of our loan officers will then contact you shortly . bounce limits pop up type of account overdraft bounce protection limit platinum checking 2 500 gold checking 2 000 silver checking 1 000 bronze checking 1 000 silver 18 65 checking 1 000 platinum business checking 3 000 gold business checking 3 000 silver business checking 3 000 overdraft bounce protection limit may be reflected in your available balance and any fees or charges may reduce your available bounce protection . overdraft bounce protection practices we clear items drawn against your account in the following order a electronic transactions electronic funds transfers pre authorized debits debit card transactions atm transactions or other withdrawal requests ; and b checks in numerical sequence with lower numbers paid first and other payments . if you maintain your checking account in good standing defined as making regular deposits and bringing your account to a positive balance at least once every 30 days and there are no legal orders outstanding we may approve your reasonable overdraft . you may opt out of the privilege at any time by calling our customer service center at 866 823 6887 stopping by one of our conveniently located branches or visiting centurybank.com and selecting the contact us tab to opt out of our overdraft bounce protection service . however you are responsible for any overdrawn balances at the time of opting out . the amount of any overdraft plus our insufficient funds fee that you owe us shall be due and payable upon demand . if there is an overdraft paid by us on an account with more than one 1 owner on the signature card each owner and agent if applicable drawing presenting the item creating the overdraft shall be jointly and severally liable for such overdraft plus our normal insufficient funds fee . limitations overdraft bounce protection is available to individually jointly owned and business accounts in good standing . accounts of those under eighteen years of age are not eligible for the overdraft bounce protection product . century bank reserves the right to limit participation to one account per household or business and to discontinue this service without prior notice . the overdraft bounce protection program will not be available to new checking accounts until the account has been opened for 30 days and during that time deposits to the account must be 80 % of the predetermined limits of overdraft bounce protection assigned to that account type . you are about to send information over the internet . it might be possible for others to see what you are sending . do not disclose confidential information . use the secure email option for sending sensitive information . century bank provides links to other sites as a convenience and helpful resource . please be advised that century bank makes no endorsements or recommendations of the website and is not responsible for actions or transactions on the site including their privacy policy . routing number century bank s routing number is 011301390 . winchester 522 main street winchester ma 01890 781 756 3480 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 saturday 9 00 1 00 safe deposit boxes wellesley 75 central street wellesley ma 02482 781 235 6500 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 saturday 9 00 1 00 drive up somerville 102 fellsway west at mystic avenue somerville ma 02145 617 629 0929 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 drive up safe deposit boxes salem 37 central street salem ma 01970 978 740 6900 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 saturday 9 00 1 00 drive up safe deposit boxes quincy 651 hancock street quincy ma 02170 617 376 8100 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 saturday 9 00 1 00 peabody 12 peabody square peabody ma 01960 978 977 4900 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 saturday 9 00 1 00 drive up newton 32 langley road newton centre ma 02459 617 641 2300 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 saturday 9 00 2 00 safe deposit boxes medford 400 mystic avenue medford ma 02155 781 393 4160 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 saturday 8 30 1 00 drive up safe deposit boxes 503 riverside avenue fellsway plaza medford ma 02155 781 393 6520 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 saturday 9 00 1 00 drive up safe deposit boxes one salem street medford ma 02155 781 391 9830 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 saturday 8 30 1 00 lynn 2 state street lynn ma 01901 781 586 8700 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 saturday 9 00 1 00 drive up safe deposit boxes everett 1763 revere beach parkway route 16 everett ma 02149 617 381 6300 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 saturday 8 30 1 00 drive up chestnut hill 210 boylston street chestnut hill ma 02467 617 582 0920 lobby mon. wed. 8 30 4 00 thurs fri. 8 30 5 00 saturday 9 00 2 00 cambridge 2309 massachusetts avenue cambridge ma 02140 617 349 5300 lobby mon. wed. 8 30 4 00 thurs. fri. 8 30 5 00 saturday 9 00 1 00 drive up brookline 1184 1186 boylston street route 9 east brookline ma 02467 617 713 4910 lobby mon. wed. 8 30 4