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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As of 3/23/2020:

As we continue monitoring the COVID-19 situation and take heed of the guidance and recommendations of local, state and national health officials, please read the following information as it affects our way of serving you.

To protect you, our valued customers and our staff during the current health crisis, we will TEMPORARILY CLOSE OUR LOBBY EFFECTIVE TUESDAY MARCH 24, 2020.  We urge you to utilize one of the following services:

  • Drive thru service at Main Office and Christiansburg Office;
  • Night depository at all of our offices;
  • Internet Banking;
  • Online bill pay service;
  • ATMs

Note: Our Rosewood Office will be Closed but urge you to use the Night Deposit for your transactions.  All items will be collected at 2:00 p.m. on Mondays, Tuesdays, Wednesdays & Fridays and at 11:00 a.m. on Saturdays for same day processing.

Access to the lobby at the Main Office and Christiansburg Office will be by appointment only.  Lobby service will be restricted to: Loan applications, safe deposit box access, new account openings and large cash/coin transactions.  Please call 937-663-4186 (Main Office) or 937-857-9872 (Christiansburg Office) to make an appointment.

If you have any questions, please call us as we will have staff on hand to answer your questions and assist you in any way we can.  Or you may email any of the following with your questions: Jeffrey L. McCulla -;  Curtis R. Blake -; or Karen R. Hart -

Thank you for your understanding, patience and cooperation during this difficult time.  Your safety and that of our staff is of vital importance to us.  We are here to serve you and appreciate the trust and confidence you have in us!



 The First Central National Bank, you 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


 LEARN HOW TO CATCH A PHISH BEFORE IT CATCHES YOU!   We're here to help protect you from phone, email and text phishing scams.  See our lobby for more details!


The First Central National Bank now offers MobiMoney, a mobile app to manage your debit card anytime, anywhere!  Click on the link below for more details and download the app today!