Your Company

Central

Frequently Asked Questions

What is Central?

Central is building modern financial products for startups with AI-powered insights. Your business account comes with:

  • Checking account
  • Business credit cards
  • ACH payments
  • Check payments
  • Domestic and international wire transfers
  • Nice tools and features

Central is a financial technology company, not a bank. Banking services provided by Evolve Bank and Trust.

What do I need to apply for an account?

You’ll need a U.S. company with a federal EIN, your company’s official formation documents, and a picture of your government ID (e.g., a passport or U.S. driver’s license). Customers must have some type of existing operations in the U.S. and a U.S. address for their principal place of business. This can be a residential address, but may not be a registered agent, PO box, or UPS box address. Our customer base includes startups.

Upon applying, we’ll review to ensure you have up-to-date formation documents and otherwise satisfy our onboarding requirements.

What companies will you accept as customers?

We can accept most U.S. C-Corporation companies that aren’t money services businesses or involved with adult entertainment, cannabis, crypto, or internet gambling. Our product is geared towards tech companies, so it might not be the best fit for some other businesses, especially ones that frequently deal with physical cash. We cannot open accounts for trusts, LLCs, sole-proprietorships.

Where, when, how can I use the card?

  • Central card is a business credit card
  • Central card is intended for business needs/commercial needs - and can’t be used for personal, family, or household purposes
  • All Central cards can be used anywhere that accepts Visa cards
  • All Central cards are USD denominated

How can I get more help?

Contact us at support@central.inc

Central partners with Stripe Payments Company for money transmission services and account services with funds held at Evolve Bank & Trust.

Central cards are issued by Celtic Bank and serviced by Stripe, Inc. and its affiliate Stripe Servicing, Inc.

Central has an engagement with Atomic Invest, LLC (“Atomic Invest”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account. Investment advisory services are provided by Atomic Invest. Companies engaged by Atomic Invest receive compensation of 0% to 0.85% annualized, payable monthly, based upon assets under management for each referred client who establishes an account with Atomic Invest (i.e., exact payment will differ). Atomic Invest also shares a percentage of compensation received from margin interest and free cash interest earned by customers with Central. Central is not a client of Atomic Invest, but our engagement with Atomic invest gives us an incentive to refer you to Atomic Invest instead of another investment adviser. This conflict of interest affects our ability to provide you with unbiased, objective information about the services of Atomic Invest. This could mean that the services of another investment adviser with whom we are not engaged could be more appropriate for you than Atomic invest.

Neither Atomic Invest nor Atomic Brokerage, LLC (FINRA registered broker-dealer and member of SIPC), nor any of their affiliates is a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal.

Before investing, consider your investment objectives and the fees and expenses charged by Atomic Invest and/or Atomic Brokerage. Advisory services through Atomic Invest are designed to assist clients in achieving a favorable outcome in their investment portfolio. They are not intended to provide tax advice or financial planning with respect to every aspect of a client’s financial situation and do not include investments that clients may hold outside of Atomic Invest. For more details about Atomic Invest and/or Atomic Brokerage, please see the Form CRS, Form ADV Part 2A, the Privacy Policy, and other disclosures. Custodial and clearing services are provided to Atomic Invest and Atomic Brokerage by Pershing LLC.

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