Digital Investing
Select from expertly crafted portfolios, or build your own by selecting from over 6,000 stocks, bonds, and Exchange Traded Funds, including fractional shares. Unlock your financial future with our digital investing tool.
Central National Bank is committed to providing the resources you need to achieve Money for Life! The latest tool for empowering you on your financial journey is our digital investing tool.
Set it and forget it, manage every decision, or somewhere in-between. You're open to manage multiple portfolios and portfolio types to leverage all three investment strategies to suit your goals.
Select from expertly crafted portfolios, designed to offer diversified exposure to both stocks and bonds.
Pre-Built Portfolios are carefully constructed by a team of investment experts, allowing you to invest in a diversified set of assets with ease. These portfolios are managed for you, including actions such as portfolio rebalancing and tax-loss harvesting, which are done on your behalf.
Begin with a personalized portfolio tailored to your needs, with optional flexibility for adjustments.
Hybrid Investing allows you to have a 100% personalized portfolio based on your risk appetite, investment preferences, and investment horizon. To get started, you answer a few questions to determine your investing risk tolerance and goals, and then you receive a personalized portfolio. You also have the ability to further customize your portfolio by adding or removing individual holdings.
Build your own portfolio by selecting from over 6,000 stocks, bonds, and Exchange Traded Funds (ETFs).
Self-Directed Investing is commission-free. We don't charge anything per trade, or to open and maintain your account.
Pre-Built and Hybrid portfolios are subject to annual fee management of 0.5% based on the value of assets in the portfolio.
Navigate to Digital Investing in your mobile app or online banking to get started.
It's the perfect solution for those who are just starting to learn about investing, are looking to invest smaller amounts, or looking to try out investing.
Digital Investing is an independent investing tool, meaning you manage your investments yourself.
No, investments are NOT FDIC insured.
Customers of Central National Bank that are enrolled in online banking are eligible to invest. Must be 18 years old or older to invest. Must enroll as an individual. Digital Investing is not available to non-person entities.
A Self-Directed Digital Investing portfolio is commission-free. We don't charge anything per trade, or to open or maintain your account.
For Hybrid and Pre-Built Portfolios there is an annual management fee of 0.50% based on the value of assets in the portfolio. For example, if you have $1,000 in your Digital Investing account, you will pay $5 per year. The fee is charged monthly in arrears and automatically deducted from your Digital Investing Account, so you don't need to do anything yourself to pay this management fee.
Yes, we don't have a minimum holding time, and you can deposit and withdraw at any time, free of charge.
If you have questions about your Digital Investing account you can reach out to us or email hello@eko.investments.
If you have a tax or account statement available, you can find it by clicking 'Account' and then 'Documents and Statements'. From there, select the statement you're looking for and open or download it.
Stock investing involves risks such as market volatility, potential loss of capital, and company-specific risks. The value of stocks can fluctuate based on economic conditions, company performance, industry trends, and other factors.
You can minimize risks by diversifying your portfolio, investing for the long term, and having a balanced portfolio that includes a mix of different stocks and asset classes, such as bonds. The portfolios we create are by default well-diversified and balanced, which mitigate risks and optimize your investment strategy. This way, you can have a sophisticated and professionally managed portfolio, without having to be an expert yourself.
Opening a Digital Investing account is a very quick process. The whole process can be done from your computer, tablet, or phone, and should take no longer than 5 minutes. During the onboarding, we have already pre-filled most of your personal data, which further streamlines this process. Most accounts are approved within 5 minutes. In some rare cases, additional data is required to approve your Digital Investing account, in those cases, account approval can take up to 2 business days after the additional data is provided.
To fund your wallet, simply go to 'Fund/Withdraw' and select a funding amount. Next, choose which bank account you want to use for funding. This can be either an already-connected bank account or a bank account via a third-party financial institution. For funding from third-party financial institutions, we use Plaid. If you have multiple portfolios, you can also transfer funds directly between portfolios, which is instant.
The minimal funding amount is $10.
Yes, you can set up automatic or recurring deposits, which will go directly into your wallet. The minimum amount for recurring deposits is just $10, and you can set it up to be weekly, bi-weekly, or monthly. At any time you can cancel or modify your recurring deposit, with a simple click of a button.
Deposits made before 2 PM ET: These will typically arrive on the same day. Deposits made after 2 PM ET: These will generally take one business day to process.
Hybrid Investing allows you to have a 100% personalized portfolio based on your risk appetite, investment preferences, and investment horizon. To get started, you answer a few questions to determine your investing risk tolerance and goals, and then you receive a personalized portfolio. You also have the ability to further customize your portfolio by adding or removing individual holdings. Please keep in mind that these adjustments will impact the overall risk level of your portfolio.
Pre-Built Portfolios are carefully constructed by a team of investment experts, allowing you to invest in a diversified set of assets with ease. These portfolios are managed for you, including actions such as portfolio rebalancing and tax-loss harvesting, which are done on your behalf.
The portfolio that is created for you consists of 30 stocks and bonds. All stocks in your portfolio are from the S&P 500, and all bonds are within the top 10 most traded bonds in the US. Your portfolio is always diversified and in line with your risk appetite. To learn more about your portfolio, and the individual stocks and ETFs in your portfolio, go to the 'Portfolio' section and click on your holdings.
Your portfolio is managed using a 'combination' approach. This means that it combines elements of both active and passive management. The active components include periodic rebalancing and tax loss harvesting to manage risk and maximize tax benefits.
Passive management refers to a 'buy-and-hold' strategy for your portfolio. A buy-and-hold approach is when you buy investments and hold onto them for a long time, instead of frequently buying and selling. The goal is to benefit from long-term market growth and minimize the impact of short-term market fluctuations.
Digital Investing is offered through Eko Investments, Inc. Eko's "Investments as a Service" enables Central National Bank to offer digital investments directly on our digital banking platform. Investment products used by Eko are not deposits, are NOT FDIC insured, are NOT insured by any government agency, are NOT guaranteed by the bank, are subject to risk and are subject to possible loss of principal. Fees may apply. Visit https://www.eko.investments/legal to view Eko Investments, Inc. disclosures.
Eko Investments Inc is an SEC Registered Investment Advisor. Brokerage services are provided to clients by Alpaca Securities LLC, an SEC registered broker-dealer and member FINRA. Member of SIPC. Securities in your account protected up to $500,000. For details, please see https://www.sipc.org.
Eko does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Eko's web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes and all users thereof should be guided accordingly.
Past performance is not a guarantee of future results. Any historical returns or expected returns are hypothetical in nature and may not reflect actual future performance.
The fees for Digital Investing vary depending on the type of portfolio selected and the underlying securities that make up the investment portfolio. For example, an investment in an Exchange Traded Fund (ETF) generally carries an imbedded fee or expense ratio for fund maintenance. Investments in stocks, bonds or other types of securities generally do not carry the same fee structure as an ETF. As such, Self-Directed "Non-Discretionary" Portfolios are not assessed a Management Fee but may be subject to imbedded fees depending on security choice and allocation.
Pre-Built "Limited-Discretionary Pre-Made" and Hybrid "Limited-Discretionary Hybrid" Portfolios will be assessed a .50% Management Fee. Management Fees are charged monthly in arrears and are automatically deducted from your Digital Investing account. For example, if you have an average balance of $1,000 in your Digital Investment account and choose either a Pre-Built Portfolios or Hybrid Portfolio you will pay $5.00 per year.
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