Personal Checking

It's more than a checking account. It's money for life.

Checking Accounts with free Online Banking, Mobile Banking, a VISA Debit Card, E-Statements, and access to LifeNOW Rewards discounts.

Open Account
  • Central Premium Checking

    We reward your relationship.

    Open Premium Checking Account
  • Free online banking, mobile banking, bill pay, debit card & E-Statements
  • Shop local, save local with BaZing savings
  • Cell phone protection1,2
  • Identity theft protection1,2
  • Roadside assistance
  • $10,000 Travel accidental death coverage2
  • Pharmacy, vision and hearing savings
  • Great interest on your checking balance
  • Paper or E-Statement with images provided
  • 2 Free, Foreign ATM transactions per statement cycle
  • One order of complimentary checks
About Bounce Protection

$7 Monthly Fee
Monthly fee is waived if the account holder has deposits totaling more than $2,500.00 with us on the day the statement is produced.

  • Central Value Checking

    Benefits you'll use.

    Open Value Checking Account
  • Free online banking, mobile banking, bill pay, debit card & E-Statements
  • Shop local, save local with BaZing savings
  • Cell phone protection1,2
  • Identity theft protection1,2
  • Roadside assistance
  • $10,000 Travel accidental death coverage2
  • Pharmacy, vision and hearing savings
  • Paper or E-Statement with images provided
  • One order of complimentary checks
About Bounce Protection

$5.00 Monthly Fee
Online Bill Pay monthly fee is waived.

  • Central Basic Checking

    Just the basics.

    Open Basic Checking Account
  • Free online banking, mobile banking, debit card & E-Statements
  • Limited access to BaZing savings
About Bounce Protection

Enroll in E-Statements and we'll waive the $3 monthly paper statement fee.

1 Cell phone protection and personal identity protection are subject to additional terms and conditions.
Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.
All Checking accounts have a $30 minimum to open.

We understand that life doesn't always go as planned.

That's why we also have New Opportunity Checking, offering you a second chance at a first-class bank account.

New Opportunity Checking

An account with no minimum balance requirement, access to free online and mobile banking, and unlimited check writing. Designed to help you rebuild your banking history! Learn more about New Opportunity Checking or click below to open your checking account online today!

Open New Opportunity Account Learn About New Opportunity

New Opportunity Checking

Manage your money like it's 2024. Rely on a bank that's been here since 1884.

Our online and mobile technology keeps you in control of your finances.


Its easier than ever to master your finances with MoneyCentral

Screen capture of MoneyCentral Dashboard


  • All in one solution - Get a snapshot of all of your accounts in one place, even accounts from other institutions.
  • Budgets - Track your spending and set up alerts.
  • Goals - Save for that big purchase.
  • Security - Your security is our priority.

MoneyCentral a complementary feature of all of our accounts.

Budget Easier With MoneyCentral
Apple Pay
Samsung Pay
Android Pay

Contactless Payments

  • Shop safer. Your card number is never shared with retailers keeping your data safe.
  • Tap and pay with your phone to get out of the store faster.
  • Shop online too. Make purchases at millions of vendors and on the web.

Smartphone App


  • Suspend & Unsuspend Lost or Stolen Debit Cards
  • Deposit Checks
  • Get Balances, Pay Bills & Make Funds Transfers
  • Optional Transaction & Balance Text Message Alerts
  • Find ATMs or branches near you
  • E-Statements
  • Fast log in with Apple TouchID on compatible Apple devices
Download the Central National app in Google play
Download the Central National app in the Apple App Store
Central National Bank online banking app on tablet and phone

Bill Pay

With Central Online Bill Pay, you can set up recurring payments so you never forget a bill.

People using Bill Pay


  • One-time Payment - Create a payment that gets sent one time
  • Recurring Payments - Create a weekly, bi-weekly, monthly, semi-monthly, quarterly, semi-annually or annual payment and specify when you want the payment to start and stop
  • Payees - You can add, edit, or view as many payees (the entity you're sending money to) as you'd like
  • Quick Payment - Set up multiple payments at once to existing payees
  • Payment Types - Payments are sent by check or electronically, depending on what the payee accepts. If the payee cannot accept an electronic transaction, we'll send them a check on your behalf
  • Payment History - Keep track of the payments you've made

Bill Pay is $6.00 per month for unlimited payments. If you have a Central Value or Central Premium Checking account Bill Pay is free all the time! Terms vary depending on account type.

Find your dream home.

Take The Next Step

Need a savings account?

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Fraud Protection

We keep you up-to-date with the newest fraud tactics used to steal your identity as well as instructions on how to avoid them.

  1. When potential fraud is detected, you will receive an automatic email notification, with the option to reply with “fraud” or “no fraud.”
  2. One minute after the email, you will receive a text alert, which also has the “fraud” or “no fraud” option.
  3. If there is no response received, you will then receive automatic phone calls to confirm or deny fraud. The call will also give the option of speaking to a fraud analyst.

Remember—our messages will never ask for your PIN or account number.

Visit our blog to see our recent fraud alerts.


Fraud Protection

How can we help?

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

Contact Us Open Account

Secure Page Sign-In

Ensuring the security of your personal information is important to us. When you sign in to Online Banking on our home page, your User Name and Password are secure. The moment you click the Log In button, we encrypt your user name and password using Secure Sockets Layer (SSL) technology.

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. is SSL-Encypted

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.

Leaving Site

You have requested a web page that is external to the Central National Bank (CNB) web site. The operator of the site you are entering may have a privacy policy different than CNB. CNB does not endorse or monitor this web site and has no control over its content or offerings.

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