Attention Customers

Saturday, June 8th, 2024 our systems will be down for maintenance after 3:00 pm.

  • All locations will close at 3:00 pm.
  • Our customer contact center will be unavailable after 3:00 pm.
  • ITM tellers will not be available for transactions after 3:00 pm.
  • There may be interuptions to online banking.

We apologize for any inconvenience.

New Opportunity Checking

Open New Opportunity Account

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

New Opportunity Checking is bridging the gap, offering you a second chance at a first-class bank account. We've created access to banking services for those who have previously not had it. We understand that life has its challenges and we want to help!

This account includes all the features of a traditional checking account with minimal fees and no minimum balance requirement. It’s a great way to rebuild your banking history.

  • $30 Minimum to open
  • No minimum balance requirement
  • Free online & mobile banking
  • Free E-Statements
  • Unlimited check writing
  • Monthly fee $7.99 with direct deposit or monthly fee $9.99 without direct deposit
Open New Opportunity Account

New Opportunity Checking

Online Banking

Online Banking

View account information, transfer funds, issue stop payment requests, and more! Your financial information is available at your fingertips 24/7.

Sign Up
Mobile Banking

Mobile Banking

Our Apps keep up with your fast paced life. Everything you expect from a branch, right in your pocket.

Mobile Banking Help
Online Bill Pay

Online Bill Pay

Set up recurring payments so you never forget a bill!

Terms vary depending on account type.

Bill Pay Help

Save with every swipe.

It Makes ¢ents!

Need a savings account?

Save With Us

Our Representatives Are Online Now

Live Chat

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.

How can we help?

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

Live Chat 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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