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.

About FCNB

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".

The roots of our financial institution run deep in the town of St. Paris. While we started as two separate banks the directors soon realized the benefits-of pooling their resources. Through the history of the bank we have emphasized the importance of being a strong, independently owned community bank. Through good years and bad our leaders have managed to keep the integrity and respect of our local bank. Since the 1900's we have grown into surrounding communities making each new customer our friend and neighbor. As technology changes the face of banking, First Central National Bank continues to keep pace. With 2 new ATMs our customers now have 24-hour access to their money. Now we are opening our fourth branch right here in your computer. Internet Banking (the wave of the future) will allow you to access your accounts and pay your bills from the comfort of your home.

From the days of the Pony Wagons to the age of the Internet the First Central National Bank has always been here providing the technology you need and the service you deserve.

Our History


First National Bank Opens doors


Central National Bank opens


The two Banks merge to create The First Central National Bank


Rosewood Ohio Branch opens


Loan Department purchased and renovated


Bookkeeping rooms purchased and renovated


Christiansburg branch opened


West branch opened


Christiansburg branch moved to current location


ATMs opened at two locations


Third drive thru window added at the main office


Internet Banking Virtual Branch Opened


New Christiansburg branch building