Business Services

When you have a business account at Central National Bank, the way you run your business becomes our business. Do you need a more efficient collections process? Are you looking for a flexible way to manage funds? Check out the following services designed to make your life easier!

ACH Services

Electronic payment processing dashboard

With proper authorization from your customer or employee, create one-time or recurring EFT (electronic funds transfer) credit and debit transactions. This service also allows check payment acceptance by phone. To help streamline your payment and payroll processes, NACHA compliant ACH files may be uploaded from accounting software directly to our secure online platform for final submission and processing.

Features
  • Full-featured electronic payment processing dashboard
  • Set up one-time or recurring ACH payments or debits
  • Accept check payments over the telephone
  • Find out about returned items quicker
  • No need to purchase, install, or maintain software
  • Improves efficiency and profitability

Customer Payment Portal

Accept online payments and donations on your website

Features
  • For businesses, non-profits, and other organizations
  • One-time and recurring payment options
  • ACH/check payment options
  • Easy to use work flow for customers and donors
  • Consistent information when applying customer payments
  • Convenient method of scheduling and making payments
  • Payment history reporting
  • Reduction in administration expenses by automating payments
  • Easily integrates into your existing web site by simply adding a link
  • Customize to your needs by adding your colors/logos and adding input fields specific to your organization

Central Business Banking

Specialized online banking for businesses

Central Business Banking is a package of services created for businesses to conveniently access their account information online, anytime. Capabilities range from viewing and saving transaction data to issuing bill payments, wire transfers, and more.

Features
  • Pay bills electronically with Online Bill Pay
  • Verify issued checks with Positive Pay to control check fraud
  • Multi-User Capability helps delegate tasks and resist fraud by controlling employee access privileges
  • Create and send Wire Transfers within the United States
  • Stop payments on issued checks
  • Transfer funds between your enrolled Central National Bank accounts
  • View, print, and save bank statements from online with E-statements
  • Set up Account Alerts
  • Access via Mobile and Text Banking

Sign up for Central Business Banking at $10 per month. Receive a reduced rate of $12 per domestic wire transfer; $12 per stop payment.

Merchant Services

Businesses are unique, and yours is no exception.

Today, the vast majority of retail and business consumers are accustomed to the convenience of credit card purchases. The revolving line of credit gives your customers more purchasing power and enables them to take advantage of sales and promotions they might otherwise pass up. That's why a Central National Bank Merchant Services Account is not only a great way to increase sales, but an essential business asset. It expands your customer base, increases your cash flow and reduces both your exposure to bad checks and the risks associated with carrying receivables.

Features
  • Competitive discount rates with no hidden fees
  • Easy to read merchant statements
  • Fees charged monthly after you receive your statements
  • State-of-the-art processing capabilities
  • 24-hour authorization service
  • Ability to accept a wide range of payment choices including; Visa®,MasterCard®, Discover Card®/Novus, American Express®, Diners Club®, Carte Blanche®, the JCB card, Commercial/Purchasing cards and debit cards.
  • Competitively priced state-of-the-art equipment, which can be purchased or rented
  • Speedy equipment replacement when needed
  • 24-hour, 7 day technical support help desk
  • A quick application process

Remote Deposit Capture

Scan & Deposit checks from your desk

With Central National Bank's Remote Deposit Capture, the bank is never further away than your office. It's like bringing your bank's teller window to your business! No more filling out deposit slips by hand, and no more driving to the bank to make a deposit.

Capture your checks and money orders electronically with a secure, accountable check processing system.

PLUS, combine RDC with our ACH Services and be able to receive check payments by phone and more!

Features
  • Improves efficiency and profitability
  • Eliminates need to prepare manual deposits and make daily trips to the bank
  • Offers speed, savings, convenience, and security
  • Make deposits 24/7
  • No need to purchase, install, or maintain software
  • View standard or custom reports and save or export them to your accounting system; 13 months of transaction history
  • Expedites check collection process so funds deposited from checks are available to your business by the next business day
  • Lockbox Services are also available - allow us to scan your payment coupons & checks and provide you with a way to download the payment information into your accounts receivable system

We have different processing and scanner options available to you. Contact us for pricing specific to your business needs.

Payroll Cards

Increase your efficiency by going green with your payroll processing

For those employees without direct deposit into a bank account we help you offer another paperless option, the Visa® Payroll Card. You can combine your existing direct deposit process with the Visa® Payroll Card and have employee pay electronically deposited to their individual Payroll Card. Offer your employees the convenience of a Visa®-branded card and eliminate the cost/hassles of issuing paper checks! Don’t have direct deposit for your employees? We can help you with that too; Central ACH Services are great for payroll processing!

Features
  • Make purchases worldwide, anywhere Visa® is accepted
  • ATM Access
  • Cash Back from grocers, drug stores, USPS and more via interlink PIN transactions
  • 800 Phone and Internet access for: Balances, Transactions, On-Line Statements, Fund transfers to bank accounts, etc.
  • Extra cards for relatives
  • Can be used for bill payment with merchants
  • 1-800 support is available 24/7

*For a complete list of cardholder fees, please contact a Central National Bank representative.

E-Returns

An electronic re-presentment service for businesses

    E-Returns offers the potential to increase your clearing rates, increase your revenues, and maximize your recovery opportunities while allowing you to avoid the hassles of collection activities and negative confrontations with customers.

    Why resort to an out-of-state vendor or third party to handle your collections when you can turn to your local banker for this service and achieve better results at a lower cost?

    With E-Returns at Central National Bank, your questions will be answered with a simple phone call or visit to your local branch. Plus, you can rest assured knowing that our policies are fully NACHA-compliant and offer you the safety and security Central National Bank has been known for since 1884.

Lockbox Services

Streamline your accounts receivable operations

Central National Bank's lockbox services can help business owners more efficiently manage their incoming payments. How does it work? Payments are routed to a secure post office box held by the bank. Lockbox contents are collected and transported directly to our processing center, imaged, and deposited into your account daily. Payments and reports are viewable via our secure Lockbox online portal, at your convenience. Let us handle deposits for you so you can focus on what's most important.

Features
  • Automate the payment collection process − Payments go directly to the bank for deposit
  • Access your funds faster − Payments are generally posted to the account the same day* they reach the lockbox
  • Increased employee productivity − Our lockbox service eliminates the need for employees to handle and deposit checks at a bank location
  • Simplify bookkeeping − Download payment information into Accounts Receivable systems
  • Reduce data entry errors − Our High Volume Scanner has Optical Character Recognition which reads everything on the checks and payment coupons and then stores the output electronically to be viewed online
  • *Excluding Saturday, Sunday, and Federal Holidays.

Lockbox fees may vary based upon your check volume. Contact us for more information.

How can we help?

Let us know the best way to reach you and one of our customer representatives will be in touch.

Secure Page Sign-In

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Browser Security Indicators

You may notice when you are on our home page that some familiar indicators do not appear in your browser to confirm the entire page is secure. Those indicators include the small "lock" icon in the bottom right corner of the browser frame and the "s" in the Web address bar (for example, "https").

To provide the fast access to our home page, we have made signing in to Online Banking secure without making the entire page secure. You can be assured that your ID and password are secure and that only Central National Bank has access to them.

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Secure Socket Layer (SSL) technology secretly encodes (encrypts data) information that is being sent over the Internet between your computer and Central National Bank, helping to ensure that the information remains confidential.

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