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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  The First Central National Bank is always looking for ways to assist our customers in fighting and protecting their financial security.  We have partnered with United Bankers Bank in offering credit monitoring and identity protection services.  ID TheftSmart program provides the peace of mind you need to ensure your funds and personal information is secure.  Kroll Advisory Services, the nation's largest provider of protection services provide comprehensive restoration services, which includes investigation of potentially fraudulent activity, making phone calls, issuing fraud alerts as well as one-on-one counseling and advocacy on your behalf.  Types of identity theft often addressed include: New Credit Account Fraud, Bank Fraud, Tax Fraud, Criminal ID Theft, Driver's License Fraud plus many, many more. 

  Another service available to our customers is MobiMoney.  Using an app on your smart phone, you can track all debit card activity to ensure the financial safety of your account.  Best of all, there is no charge for this service.  Both ID TheftSmart and MobiMoney are available to our customers.  Additional information can be obtained by contacting any of our offices and our staff members can help guide you through the process.  Or you may call 937-663-4186 or email us from the contact information provided.  We will be more than happy to explain these programs to you.  


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!