Our experts answer readers' banking questions and write unbiased product reviews (here's how we assess banking products). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.
US Century Bank Review: Overall Rating
| Feature | Insider rating (out of 5) |
| Savings | 3.5 |
| Checking | 3.75 |
| CD | 4 |
| Money market account | 3.5 |
| Trustworthiness | 5 |
| Total | 4 |
US Century Bank Pros and Cons
| Pros | Cons |
|
|
About US Century Bank
US Century Bank is a Hispanic American-owned bank in Florida. It has 11 branches in Miami, Miami Lakes, Hialeah, Coral Gables, Aventura, and Hollywood. There are also free ATMs in the US Century Bank, CUHere, NYCE, SUM, Mastercard, and Pulse networks.
Branches are open Monday through Thursday from 9 to 4 p.m. ET, and Friday from 9 a.m. to 5 p.m. ET.
The US Century Bank mobile app has 3.0 out of 5 stars in the Apple store, and 4.7 out of 5 stars in the Google Play store.
Your deposits are FDIC-insured for up to $250,000, or up to $500,000 for joint accounts.
The Role of Hispanic American-Led Financial Institutions
Hispanic American-owned financial institutions are integral to providing products and services to underserved communities. These institutions also help address banking gaps among Hispanic American communities.
US Century Bank participates and donates at community and school events.
Is US Century Bank Trustworthy?
US Century Bank doesn't have any recent public controversies.
The Better Business Bureau gives US Century Bank an A+ rating. A great BBB score signifies that a company responds effectively to customer complaints, advertises honestly, and is transparent about business practices.
A strong BBB grade doesn't guarantee you'll have a smooth relationship with a bank, though. You may still want to ask friends and family about their experiences with US Century Bank, or read online customer reviews.
US Century Bank FAQs
Is US Century Bank legit?
Yes, US Century Bank is a Member FDIC bank. Federal insurance keeps up to $250,000 per depositor, per category safe even if a bank fails.
How big is US Century Bank?
US Century Bank is a local financial institution with less than a dozen branches in South Florida.
Is US Century Bank a good bank?
US Century Bank might be a good option if you value banking locally with a Hispanic American-owned financial institution. It also has a free checking account.
US Century Bank Account Reviews
US Century Bank Personal Savings Account
Many banks charge a monthly service fee on savings accounts, but the
US Century Bank Personal Checking Account
The
US Century Bank CD
The
US Century Bank Gold Personal Money Market Account
You might like the
How US Century Bank Compares
US Century Bank vs. Ocean Bank
Ocean Bank may be a more convenient option than US Century Bank because it has more locations in Florida.
But US Century Bank might be more appealing if you're looking for checking account. The
US Century Bank vs. Popular Bank
Popular Bank may be a better option if you'd like to bank with a financial institution that has a rewards program. With the Popular Bank Rewards program, you can get perks like waived ATM fees, waived monthly fees, and higher rates on certain accounts.
If you'd like to open a CD, your preference between the two banks will likely hinge on minor preferences between bank accounts. With Popular Bank, you'll be able to get a competitive CD rate through a promotional CD. However, US Century Bank has low early withdrawal penalties.
Why You Should Trust Us: How We Reviewed US Century Bank
For our US Century Bank review, we rated bank products and services using our bank account methodology.
At Personal Finance Insider, we rate bank accounts on a scale from zero to five stars. We review different features for distinct types of bank accounts. For example, we'll look at early withdrawal penalties and CD variety specifically for CDs. Meanwhile, for checking accounts, we'll factor in the ATM network size and fees, as well as its overdraft protection options.
We'll also usually examine minimum opening deposits, monthly service fees, customer support availability, and mobile app ratings for all types of bank accounts.