Online Banking

Privacy Notice:

Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information at or we will mail you a free copy upon request if you call us at 937-663-4186.

Important Security Message:

First Central National Bank will never ask you to give out your account number or personal identification number (PIN) through email. Do not give out any personal information over the phone or via the Internet unless you know for certain whom you are providing information.

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Come in and see us for all of your Ag lending needs. With over 100 combined years of Ag lending experience, our loan officers will find the right product to fit your needs.

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Welcome to First Central National Bank                                                        

          The First Central National Bank, your Community Bank, continues to provide quality service to our customers. We are proud that our community bank has stayed the course and never jeopardized the resources of our depositors. We are proud to be a part of this community.

The First Central National Bank is an independent community bank In St. Paris Ohio, serving our community since 1880. Our bank offers a full line of financial products and services ranging from traditional, interest bearing checking and savings accounts to modern day conveniences such as Direct Deposit, ATMs, and Internet Banking. Our loan department offers Mortgage, Farm, Auto, and personal loans. Our loan terms are designed to be competitive in today's market.

Our strong community ties lead us to emphasize personal service with a hometown touch. Our employees strive to generate an atmosphere that makes banking enjoyable. Whether you bank from home or frequent our convenient offices you can always count on the First Central National Bank to provide "The technology you need and the service you deserve".

First Central National Bank NMLS# 514553

                                                 We will be Closing at 12:00 on Wednesday, August 12th to attend the Champaign County Fair.  See you at the Fair!

Dear Customers,

In an effort to protect our customers from the increasing threat of counterfeit cards, The First Central National Bank will be converting our current debit cards to the more secure EMV debit cards. (Europay, MasterCard and Visa)

The new EMV cards have a microchip that makes it more difficult to be counterfeited.  This technology has been used in Europe for several years and has just been recently introduced in the U.S.  These new cards will operate a little differently from what you are used to. You will insert your card into the terminal and leave it in until the transaction is complete.  Please be aware that when the transaction is finished that you take your card with you.  There will be instances in which you will still need to swipe your card.  There will be a fee for any replacement cards.

Within the next few months you will be receiving your new EMV card which will have a new design as well as the new security chip.  Along with your card, there will be instructions on how to use your new card.  If you should have any questions please contact us at 937-663-4186.

For our customers that are currently not using a debit card, now may be the time to consider applying for one.  They are convenient, very easy to use, and more secure than ever.