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Happy State Bank Merger

Personal & Business Banking

Happy Personal & Business Online Banking

Enjoy one view of all your personal accounts – including your checking, savings, bill payments and more – all with the reliability and security you expect from your bank.

A new online banking experience is coming your way Monday, June 13! Once you register for Happy’s new Online Banking for personal and business accounts, you can continue to enjoy services you’ve come to expect when managing your accounts online.

If you are a business that currently uses our Cash Management services, please visit the Cash Management Banking section instead.

Getting Started (Watch for a letter from us prior to June 10th)

When you log in for the first time, you will use the temporary credentials that are being mailed to you. Detailed enrollment instructions will be provided and displayed prominently for you when you login for the first time Monday, June 13th.  Following these instructions in order is vital as you will need to register for Online Banking before you will be able to re-enroll in Mobile Banking.


Unfortunately, we are not able to accommodate the transition of certain online banking features, including:

  • E-Statement history/images for your accounts will NOT transfer, but you will still be enrolled in E-Statements in the new system. To retain a copy of your current history, be sure to download or print the statements you would like to keep.
  • External Transfers and Personal Finance Management will no longer be available, so be sure to download or print payee information so that you can set up new payments in Bill Pay.
  • The last day you can send or receive payments through Zelle® is Thursday, June 9. Activity history and contacts/recipients will NOT transfer to our new system, so be sure to screenshot this information for future reference. Once you’re reestablished your Online and Mobile Banking profile, you can reenroll in Zelle.®
  • Text and email alerts will NOT transfer and need to be recreated once you have logged in to Online Banking.
  • Direct Connect enrollment with Quicken® and QuickBooks® will need to be reestablished on Monday, June 13 by updating the financial institution to reflect Centennial Bank.

Mobile Banking

Once you have logged in to Online Banking, be sure to download the Happy mobile app to:

  • View transaction history and make transfers between accounts
  • Send money to friends, family and people you know
  • Locate branches and ATMs

Additional Bank Services

Bill Pay

IMPORTANT: Bill Pay history will not be available after June 9. Please print or download statements to retain your Bill Pay history.

All pre-scheduled and recurring payments set through Bill Pay will be processed as usual. However, you will not be able to change payments or create any new payments through Bill Pay beginning at 4 p.m. CT on Thursday, June 9 through Sunday, June 12. Beginning Monday, June 13, Bill Pay will be fully available by logging in to Online Banking.

Business sub-users will need to be reestablished by the business administrator on or after Monday, June 13.

Debit Cards

You can continue to use your Happy State Bank Debit Mastercard,® and your PIN will remain the same. Please note – beginning Friday, June 10 at 3 p.m. CT, the new personal debit card daily limit for cash withdrawals is $500 and $1,500 for point-of-sale transactions.

Overdraft Privilege

Overdraft Privilege of $500 is available on most accounts, both personal and business. Please see our account disclosure information for details.


Due to our system conversion, an interim bank statement will be mailed to all checking, savings and money market customers on Friday, June 10. Please review this statement for information regarding any applicable interest or service fees. Your normal statement cycle will resume after this statement is sent. Fees for paper statements may apply. If you are signed up to receive E-Statements, the interim statement will not be available electronically – you will receive a printed copy of this statement only.


You can continue using your Happy State Bank checks. For new check orders placed after Friday, June 10, your account number will remain the same, but the routing number will be automatically updated (fees will vary based on check style). If you order checks from a third party after June 10, be sure to provide them with our new routing number – 082902757.

ACH Transactions

Direct deposits, automatic payments and other ACH transactions will continue to be processed as usual. When setting up new direct deposits or payments, please provide your account number along with our new routing number – 082902757.

Wire Transfers

Please use our new routing number – 082902757 – for all incoming and outgoing wire transfers scheduled on or after Monday, June 13. See Schedule of Fees.

Telephone Banking

Telephone Banking will be down beginning Thursday, June 9 through Sunday, June 12. Beginning Monday, June 13, you can access Telephone Banking by calling 877-591-4663. When you are prompted to provide your temporary PIN, enter the last four digits of your Social Security number. You will then be able to set up a new PIN.

Personal Loans

Personal Loan Coupon Books

If you use coupons to send in your loan payment, you can continue to use your current coupons. Please note: coupon books will not be reissued, as you will receive a monthly billing statement instead.

Personal & Home Equity Lines of Credit

Statement and billing cycles will not change. If you have questions regarding your loan, please see your Happy banker.

FDIC Coverage Limits

For customers with both Happy State Bank and Centennial Bank as of April 1, 2022.

You have a six-month grace period from the legal close date of April 1, 2022 to restructure your accounts, if necessary. Under FDIC rules, for at least six months after the merger, your transferred deposits will be separately insured from any accounts you may already have at the assuming bank. Additional information regarding coverage limits can be found on the FDIC website. If you have questions regarding coverage limits, please see your Happy banker.

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