Estate planning at Centennial Bank
How to protect 20 Centennial Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Centennial Bank's Trust Services (Centennial Trust)
Customer Service
Phone1-888-372-9788
Emailinfo@my100bank.com
Mailing Address
713 Harkrider, Conway, AR 72032
Telephone Banking (Automated)
Bill Pay Support
WebsiteLearn more→
Customer Service / Branch Banking
Phone1-888-372-9788
Emailinfo@my100bank.com
Mailing Address
713 Harkrider, Conway, AR 72032
Verified Apr 2026
Centennial Bank has 20 accounts, each with different rules for what happens when the account holder dies. Of those, 17 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.
Beneficiary designations at Centennial Bank can be managed in branch and by phone, typically taking 15-30 minutes in branch or by phone. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
There are two sides to estate planning at Centennial Bank: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 20 account types at Centennial Bank.
View details →When someone dies
Death claim process
Contact Centennial Bank's Trust Services (Centennial Trust) to file a claim. 3-step process, 8 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Centennial Bank's Trust Services (Centennial Trust) at 1-888-372-9788.
Because Centennial Bank serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Yes. Centennial Bank operates Centennial Trust, which provides trust administration services including Personal Trusts, Testamentary Trusts, Life Insurance Trusts, Special Needs Trusts, Charitable Trusts, Estate Administration and Settlement, and Guardianship/Conservator Administration. The trust department manages approximately $7.46 billion in assets. Trust services through Centennial Trust are not FDIC insured bank deposits.
Centennial Bank operates approximately 222 branches across five states: Arkansas (75 branches), Florida (78 branches), Texas (59 branches), Alabama (5 branches), and New York (1 branch in New York City). The bank is headquartered in Conway, Arkansas. Home BancShares has announced a pending acquisition of Mountain Commerce Bancorp in Tennessee, expected to close in the first half of 2026.
Save the CENTS is a savings program that automatically rounds up the amount of any MasterCard debit card purchase made by you or any debit cardholder on your checking account to the nearest dollar and transfers the difference to your linked savings account. You can enroll through your Centennial Bank branch or online banking.
Yes. Centennial Bank allows checking, savings, money market, and CD accounts to be opened in the name of a trust or retitled from an individual account to a trust account. Visit any branch with your Certification of Trust or relevant pages of the trust agreement, government-issued ID for all trustees, and the trust tax identification number. IRA accounts cannot be retitled to a trust but can name a trust as beneficiary.
Rewards Star Checking earns 5.00% APY on daily balances up to $10,000 and 0.40% on the portion over $10,000 when monthly qualifications are met: an ACH credit or debit plus a minimum of 12 debit card transactions per statement cycle. When qualifications are met, the account also provides up to $20 in nationwide ATM fee reimbursements. If qualifications are not met in a given cycle, the account still earns a base interest rate with no penalty. $100 minimum to open. No monthly maintenance charge.
Yes. Centennial Bank offers Traditional IRA, Roth IRA, Educational IRA (Coverdell ESA), SEP IRA, and SIMPLE IRA accounts. IRA accounts are available as CD-based IRAs and are FDIC insured. IRAs cannot be retitled to a trust, but Traditional, Roth, SEP, and SIMPLE IRAs can name a trust as beneficiary. IRA beneficiary changes require completion of a specific IRA Beneficiary Designation form at a branch.
Yes. Home BancShares, the parent company of Centennial Bank, completed the acquisition of Mountain Commerce Bancorp, Inc. on April 1, 2026. This added 8 Tennessee branches in the Knoxville, Nashville, and Johnson City metropolitan areas. Centennial Bank now operates 226 branches across six states: Florida, Arkansas, Texas, Tennessee, Alabama, and New York.
Sources
Data sourced from Centennial Bank primary sources (20 pages reviewed). How we research.
Customer Service
Phone1-888-372-9788
Emailinfo@my100bank.com
Mailing Address
713 Harkrider, Conway, AR 72032
Telephone Banking (Automated)
Bill Pay Support
WebsiteLearn more→
Customer Service / Branch Banking
Phone1-888-372-9788
Emailinfo@my100bank.com
Mailing Address
713 Harkrider, Conway, AR 72032
Verified Apr 2026
Estate planning articles
Learn how to protect your Centennial Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
