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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.

Checking Accounts

The First Central National Bank offers a full line of checking accounts tailored to suit your individual needs. Take a look at our accounts below and find the one that is right for you!

Regular Checking Account

Our personal checking account is designed to fit all of our retail customers' needs. If you like unlimited check writing and a low monthly fee this account is for you.

College Student Checking Account

With a student budget in mind this account offers all the same great benefits as our regular account, only at a reduced rate.

Senior Citizens Checking Account

As a reward for making it to retirement we offer our distinguished seniors this free checking account. (65 years old or older)

Regular N.O.W. Checking Account

With a $1000.00 minimum balance, this Now account pays you to have your checking account at FCNB. See our rates.

Super N.O.W. Checking Account

With a $2500.00 minimum balance, you can earn even more interest, and enjoy the benefits of our regular checking account. The best of both worlds. See our rates.

Money Market Investment Account

With a $2500.00 balance our money market account pays a very competitive interest rate, and you can withdraw up to six times in one month! See our rates.

Business Checking Account

Our commercial account is a sure fit to any business because we offer a wide variety of check and checkbook styles as well as low monthly fees. Our monthly statement generated on the 1st of each month makes bookkeeping a breeze.

Business Plus Checking Account

Your commercial account can now earn interest.

Health Savings Account

For individuals who would like to use tax free money to help cover the cost of medical expenses throughout the year, our HSA account offers convenience and flexibility. Unused funds can be rolled over from year to year and can earn interest.

Due to recent changes to Regulation E (Electronic Funds Transfer Act), we may close your ATM or debit card account if, in the course of one year, your checking account becomes overdrawn three times due to an ATM or debit card transaction.