Personal Banking · Credit Card Services · Visa Credit Card

Credit Card Services

Central Bank Credit Card Services is Getting an Upgrade! Starting July 28, 2025

Central Bank Business Credit Card
Central Bank Personal Credit Card

We’re excited to let you know that your Central Bank VISA credit card is getting an upgrade!  Starting July 28, 2025, we will transition to a new credit card processor, bringing you a better, more secure, and feature-rich card experience.

Why This Change Is a Good Thing

This upgrade gives you access to enhanced tools, more control, and the great rates and rewards you already enjoy:

  • Low interest rates
  • UChoose Rewards ® with improved redemption options
  • Enhanced fraud protection with EMV Chip Technology and tap-to-pay functionality
  • Built-in benefits, including Travel Accident Insurance and Auto Rental Collision Damage Waiver
  • SpendTrack – tools for businesses to easily manage their Commercial Credit Card programs online.
  • A fresh new card design
  • 24/7 cardholder support
  • And yes—any unused points will roll over to the new rewards program automatically!

Credit Card Conversion Frequently Asked Questions - Coming July 28, 2025

Central Bank Visa Credit Card

With a Central Bank Visa credit card, you get a low fixed rate with no annual fee, rewards options, the opportunity to build your credit, and the purchasing power you need.

Benefits

  • Exceptional low fixed rates, starting as low as 10.95%
  • No balance transfer fees
  • Online account management
  • Earn rewards points for every dollar you spend using your Central Bank Visa credit and/or debit card
  • And much more!
  • Extra layer of fraud protection to protect your identity and online shopping experience with Verified by Visa
  • Receive exclusive deals from your favorite stores when you sign up and pay online using Visa Checkout

Fraud Protection

SecurLOCK Mobile App
We provide free access to the SecurLOCK app, which allows you to control how, when, and where your card is used.

Additional Benefits and Features with No Additional Costs

Contact the Credit Card Department at 801-655-2108 to apply.

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Central Bank Utah Credit Card Services - Michael Livingston

Mike Livingston

Credit Card Services Manager

As the Credit Card Services Manager, Mike and his team oversee all aspects of our VISA credit card operations, including customer service, fraud prevention, and compliance. His team is dedicated to ensuring our clients receive top-notch service and support, managing everything from card issuance to transaction monitoring. His commitment to excellence and customer satisfaction is a cornerstone of our credit card services.