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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.

Savings Accounts

The First Central National Bank wants to help you make the most of your money. We offer a wide variety of savings accounts to help you put your money to work for you. Take a look at our accounts below and find the one that is right for you!

Statement Savings Account

This convenient savings plan allows you to earn a good return while saving your hard earned money for a rainy day. Three free withdrawals per month allows you access to your cash. See our rates.

Certificates of Deposit

Our time deposits provide an excellent way for you to save for the future while earning a fantastic interest rate. With terms ranging from 90 days to 5 years you can easily make your money work for you. See our rates.

Individual Retirement Account

Savings for your future has never been easier. Our IRA pays a fantastic interest rate and provides a way for you to plan for your retirement. See our rates.

Christmas Club Savings Account

Having trouble paying the "Christmas bills?" Want to have a bigger Christmas next year? Try our Christmas Club savings account! Throughout the year we allow you to "pay" for Christmas by depositing weekly with our easy to use payment book. You deposit weekly and we pay you back plus interest on November 1st.

Kid Saver Account

It's never too early to teach your children about the value of money and the importance of saving for the future. Open an account today and let them watch their money grow.