Gift Cards

For those times you just don't know what to get.

Central National Bank Visa Gift Cards are available at any Central National Bank location in any amount between $10-$1000 and can be used everywhere Visa debit cards are accepted.

The Central National Bank Visa Gift Card cannot be reloaded with additional funds, nor can it be used at an ATM (Automated Teller Machine). Subject to applicable law, if there has been no activity on your card for 12 consecutive months, beginning the 13th month, a monthly inactivity fee of $4.95 will be assessed.

This card is issued by Pathward, National Association pursuant to a license from Visa USA Inc.

Frequently Asked Questions

How do I use my gift card?

First, sign the signature panel and the back of the Card. We also suggest that you write down the gift card number and the customer service number from the back of the Card on a separate piece of paper in case the gift card is lost or stolen. You can then use your card everywhere Visa debit cards are accepted provided there are sufficient funds loaded on the Card to cover the full amount of your purchase. Present it to the clerk when making a purchase, and sign the form or receipt. If the merchant requests, instruct the merchant to select "Credit" on the terminal.

What does it cost?

Central National Bank charges a $3 fee to create a gift card.

When and where can I use my gift card?

You can use your Visa gift card everywhere Visa debit cards are accepted within the United States and United State Territories. You can use your gift card right away, and we encourage you to use your gift card soon − since maintenance fees will apply after the first 6 months or as subject to applicable law.

Can I access cash from my gift card?

No, you can not access cash (at any time) from your Card via an ATM or point-of-sale terminal. Card can be used at any merchant that accepts Visa debit cards.

How do I register my personal information and/or find out what my balance and transaction history are on my gift card?

Go to or call 1-866-496-6183.

Why should I register my card?

Registering your Card at will provide the additional security required to allow you to use your Card for internet purchases as well as requesting a replacement Card should your Card become lost or stolen.

What if my purchase is greater than the value available on my gift card?

You must advise the merchant how much is available on your gift card. The merchant would complete a split tender transaction and charge the gift card for the available balance. The remaining amount of your purchase would require another form of payment.

How do I use my gift card at a restaurant?

You may use your gift card at a restaurant the same as you do at any other merchant. However, it is common for service-oriented merchants to automatically factor in an additional 20% to cover any tip you may leave on the card. If your total bill, after adding in the additional 20%, exceeds the amount on the gift card, it will be declined. You should ensure that your gift card has an available balance that is 20% greater than your total bill. TO AVOID A DECLINE OF, OR A HOLD ON, YOUR GIFT CARD, YOU CAN ASK THE MERCHANT TO AUTHORIZE A SPECIFIC DOLLAR AMOUNT. WE DO NOT GUARANTEE THAT THE MERCHANT WILL FULFILL THIS REQUEST.

How do I use my gift card at hotels and rental agencies?

Like restaurants, companies associated with travel services may automatically factor in an additional amount to cover incidental charges that you might incur. You should ensure that your gift card has an available balance that is greater than your total bill.

Can I use my gift card at gas stations?

When paying at the pump, simply insert your card and follow the instructions. If you are unable to complete the transaction at the pump, proceed inside and pay the attendant prior to pumping.

If my card is lost or stolen, how do I report it?

Immediately report your card lost or stolen by calling 1-866-496-6183. There will be a $8.00 fee to replace it.

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.

Continue to Site Cancel