Make 2017 Your Year of Savings

dog money and piggy bankSaving money is a part of life that everyone must face. For some, the issue with saving money is that they simply do not have a large enough income. For others, it’s impulsive spending on items they do not need with money they could have saved. Saving money shouldn’t be a hassle, if you fit into either of these categories here are some tips on how to become a better saver this year!

Set up an automatic monthly transfer

What is more important than planning for your future? No matter how much money you’re making it is important to put money back in case of emergencies. The easiest way to do this is to have a set amount per paycheck automatically deposited into your savings account. With this in place you will never see the money leave your account and you can save without thinking twice about it. There’s no need to start out extreme, even $10 a month will add up before you know it.

The easiest way for Central National Bank customers to do this is to go into the Mobile App and the Transfers Screen. Set up a Transfer from your Checking to your Savings account and under Frequency select a recurring option, such as Monthly, Select an amount and a date for this transfer to occur. If you ever need to edit this amount or cancel a transfer, you can do that by clicking on Scheduled Transfers in the Transfer screen. As always, call us at 1-888-262-5456 with any questions you might have.

Create a budget and stick to it

Recording your purchases is the best way to find out what you may be spending too much money on. Once you have this information you can plan for next month’s expenses and try to find ways to spend less and save more. Make a list of short and long-term goals for yourself, and make them happen! The most important part is to make it realistic, you might have to cut out a few things but it’ll be worth it when you accomplish your goals. It pays to set your financial goals and if you need a plan we can help! Just visit to get started and you’ll be entered to win some awesome prizes.

Central National Bank has a new service within Online and Mobile Banking called MoneyCentral. This tool allows you to keep a closer eye on your budget. Set up a budget by clicking Budget and following the steps on the screen. MoneyCentral is free for account holders, all you have to do is log into your online banking and click on the tab to start using it.

Think before you buy

If you struggle with saving money because of impulse spending, waiting a day, or even a week, before making your purchases will make a huge difference in your bank account. Unless you’ve done research and know you’re getting a great deal on something you truly need, choosing to wait to make your purchase will save you from spending money on things you don’t really need.

Keep your change

Saving change may seem like a minimal way to reach your goals but a little bit of change every day can add up to a big reward. If you are someone who uses cash to make purchases, try filling up a jar with all your leftover change. Once it is full you can take it to your local branch and have it deposited into your savings account. If you prefer spending with a debit card, you can visit any Central National Bank location and sign up for the It Makes ₵ents! Program. Every time you swipe your Central National Bank debit card we’ll round your purchase up to the nearest dollar amount and put the difference into your savings account. Along with this, Central National Bank will match 5% of every penny saved!* Your savings will add up fast and you won’t even have to think about it. To sign up, call your local branch or email us using the secure form on our website.

Get everyone involved 

Whether it’s your best friend or your parents, one way to make sure you stay on track with your goals is to have someone to hold you accountable. Make sure they know you’re trying to save money and this will reduce the temptation to go out to eat or spend money on other unnecessary purchases. If they take the challenge with you, then even better! You can make a fun competition out of it which will provide even higher motivation to save.

New Year for a better you

The reality is that you should be saving money for your future- no matter the circumstances. Now that the New Year is upon us it is time you put these tips into action and by this time next year you’ll be thankful that you did!

*Maximum match amount of $50 per statement cycle. You must have at least two Central National Bank deposit accounts to be elligible for It Makes ¢ents!.

Look for these Types of Fraud: Before and After the Holidays- Part 3 of 3

High angle view of man holding smartphone with colorful application icons at home

Here are three additional types of fraud you should look out for during the holidays.

Watch for Fake Surveys

Emails promising some sort of money or gift card in exchange for completing a survey, can end up being a scam as well. Most of the time the surveys are very short and generic, but at the end they ask for some personal information. This is typically what the scammers are really after. By gathering this information, they can use it to further a more advanced phishing scam. Rule of thumb; don’t give out any personal information over the internet if you don’t know who is requesting it.

Craigslist fraud

On Craigslist, you can find just about anything. Pets, vehicles, bikes, and even wedding dresses are some of the popular items going around. Although this site can be beneficial for both buyer and seller, it is important to always use caution when posting or purchasing items on this website.

Luckily, recognizing a scam is not as hard as you might think. Scammers will often approach you with a vague initial inquiry about your item and when they show interest they’ll refuse to meet face-to-face. Simple things like misspelling and poor grammar are also tell-tale signs of a fraudster. Some scammers are going as far as sending out a genuine-looking check that is written for more than the asking price. The customer is then instructed to cash the check and send the rest of the money to a third party. Once the check fails to clear, the customer is then responsible for paying back those funds. Don’t allow yourself to become a victim; avoid putting any personal contact information directly on the ad, never wire funds, and under no circumstances should you ever give out your financial information.

Giving safely

In the spirit of the holiday season you may be feeling extra generous and want to donate some money to a good cause, while this is a wonderful thing to do it is important to make sure you know where you’re money is going. Unfortunately scammers are drawn to charities that most Americans resonate most powerfully with for example, charities that support families of public service men and children with cancer. When choosing a charity to donate to a little bit of research goes a long way.


Look for these Types of Fraud: Before and After the Holidays- Part 2 of 3

Holiday shopping using laptop computer, photographed against chrHere are three more types of fraud you should look out for during the holidays.

Online banking fraud

Online banking fraud continues to rise each year as the use of technology becomes more prevalent. The most common scam fraudsters are using right now begins with them asking for your login information while applying for a loan online. Once you have given out those credentials the scammer will have access to all sorts of personal information along with the funds in your accounts. It is important to remember that no legitimate lender will ask you for that information and there is no reason to ever share your online banking credentials.

Look Out for Fake Purchase Invoices

With holiday shopping in full swing, it is likely that you’re getting multiple emails a day from stores offering discounts on their products. Although this can be a useful way to save money, make sure that the emails you’re clicking on are from merchants that you are familiar with. One type of email fraud scammers are using is fake purchase receipts. An unexpected receipt from Amazon or Walmart during the holidays may not raise a red flag, shoppers may be more likely to take the bait and click on a malicious link. If you happen to get an email with a purchase receipt that you do not remember making it is best to delete the email right away.

Shipping Status Malware Messages

With almost half of holiday shopping being completed online, many consumers will be expecting multiple deliveries to their home. As with fake email receipt messages, fake shipping notifications also increase each year around the holidays. If you just placed an order that shipped via UPS, and then you get a zipped document with vague wording about your recent order being delayed, you may be more likely to click it. Make sure that you’re reading emails thoroughly and can verify that it came from a trusted source before clicking on any links. If you still feel uneasy about the situation, you should call the merchant directly and discuss the status of your package with them.

Fraud tips brought to you by:

Look for these Types of Fraud: Before and After the Holidays- Part 1 of 3

Christmas online shopping. Laptop with copy space on screen lay on white wood, present boxes and christmas tree on background. Internet commerce on winter holidays concept

You should always be on the lookout for scams; but due to the influx in shopping and distractions in December, scammers are more likely to try and gain access to your money and personal information making it even more important to be vigilant in the upcoming weeks.

Here are three holiday threats that you should watch out for as well as helpful hints on how to avoid becoming a victim:

Keep an Eye on Your Accounts

Whether you buy everything that catches your eye, or plan out every purchase individually, it is important for you to keep an eye on your accounts during the holiday season. It only takes one store compromise to give criminals access to the funds in your bank account. Utilizing alerts in online banking or your CNB mobile app are two easy ways to give you peace of mind and assure that the only purchases coming through your account are ones that you have authorized.

Traveling Safely this Holiday Season

With more than ninety million Americans traveling this holiday season, and the cost of travel on the rise, it is easy for passengers to become targets of scammers offering cheap options that are hard to pass up, but ultimately too good to be true. For example, if you’re trying to book a trip online and they won’t accept a credit card for payment be cautious. If they insist on a wire transfer, don’t do it! It’s most definitely a scam. Phony distress emails, free vacations, and travel clubs are all ways that scammers will attempt to target you. Don’t fall victim to these tricks and always do your research before making any purchasing decisions.

Here at Central National Bank we try to keep you protected, and the best way for us to do that is if you inform us at your local branch in advance of your trip. This is important especially when you plan on traveling out of the state or country. This is the easiest way to avoid problems with your debit card. If we know you aren’t traveling, then we can shut down fraudulent point of sale transactions much faster.

Be Cautious of Email Deals

Not all emails and sales are going to be legitimate this shopping season. If it sounds too good to be true then it probably is! Many emails and promotions from stores you already shop at are legitimate, but it is important to exercise caution when receiving deals or product promotions from stores or sellers you have never purchased from. Scammers will be trying to take advantage of everyone so make sure to do a little research before making purchases from companies you have never worked with before.

Fraud tips brought to you by:


3 Ways You Can Simplify Operations, Save Time and Increase Profits


Business team working with papers, view from above

So many businesses are receiving and processing payments manually. Customers are still receiving invoices, filling out a payment form, and writing a check to then mail it into your office where the check payment is marked received and then driven to the local bank for deposit. We get it. Going digital is a daunting task!

That’s why Central National Bank provides business service solutions to help our customers streamline the payments process and simplify your office operations. Gone are the days when you had to drive to the bank and wait in line for the next available teller.

Here are a few ideas to simplify your day-to-day operations:

Bring the teller window to your business with Remote Deposit Capture, ACH Services and/or Lockbox Services from Central National Bank.

Daily trips to the bank can eat into your time and profits while depositing checks less frequently removes your ability for full use of funds. Sign up for all three of these services at the same time, or roll them out slowly if you’re crunched for time.

  • Remote Deposit Capture (RDC) is our one-stop solution for convenient check depositing. You can deposit checks daily and access those funds as early as next the business day using Remote Deposit Capture. Capture money orders, consumer checks, cashier’s checks and corporate checks electronically with a secure, accountable check processing system.
  • Combine Remote Deposit Capture with Central National Bank’s ACH Services for check by phone payments; with proper authorization from your customer or employee, create one-time or recurring EFT (electronic funds transfer) credit and debit transactions. This service also allows check payment acceptance by phone. To help streamline your payment and payroll processes, NACHA compliant ACH files may be uploaded from accounting software directly to our secure online platform for final submission and processing.
  • Don’t forget to ask about Lockbox Services. Central National Bank’s Lockbox Services can help business owners more efficiently manage their incoming payments. How does it work?
    • Payments are routed to a secure post office box held by the bank. Lockbox contents are collected and transported directly to our processing center, imaged, and deposited into your account daily. Payments and reports are viewable via our secure Lockbox online portal, at your convenience. Let us handle deposits for you so you can focus on what’s most important, running your business.

Pay bills, verify issued checks, create and send wire transfers, stop payments on issued checks, transfer funds between accounts, and set up account alerts using one easy Central Business Banking package.

Central Business Banking is a package of services created for businesses to conveniently access their account information online, anytime. Capabilities range from viewing and saving transaction data to issuing bill payments, wire transfers, and more.

Plus, access your information via mobile and text banking on those days when attendance at your child’s sporting event is more important than being behind your desk. Small business doesn’t have to mean inefficient business or inaccessible business. Sign up for Central Business Banking at $10 per month. Receive a reduced rate of $12 per domestic wire transfer; $12 per stop payment.

Non-profit organizations have a need for digital services too. Receive regular payments and donations through your website using Customer Payment Portal.

Sign up for Customer Payment Portal to accept secure, one-time and recurring payment options as well as ACH and check payments through your company website. The system offers a convenient method for scheduling and making payments, meaning it’s easy for your customers to log in and keep track of donations or payments. Easily integrate it into your existing website, and customize it to your needs by adding your company colors, logos, and input fields specific to your organization.

We are happy to provide quotes and conduct demos of all of these products to suit your needs. Give your local branch a call, we’re happy to provide additional information, or even do some brainstorming to get your business operating more efficiently.


What is Ransomware, and How do You Avoid it?


We are able to present this information to you from the U.S. Department of Justice and Federal Bureau of Investigation’s Cyber Task Forces ( and Internet Crime Complaint Center (

Ransomware is a form of malware that targets both human and technical weaknesses in organizations, as well as individual networks in an effort to deny the availability of critical data and systems. Ransomware is frequently delivered through phishing e-mails. When the victim organization determines they are no longer able to access their data, the cyber actor demands the payment of a ransom, at which time the actor will provide the victim with a way to regain access to their data. Recent iterations target enterprise end users, making awareness and training a critical preventative measure.

Key areas to focus on with ransomware are prevention, business continuity, and remediation. As ransomware techniques continue to evolve and become more sophisticated, even with the most robust prevention controls in place, there is no guarantee against exploitation. This makes contingency and remediation planning crucial to business recovery and continuity.

Prevention Considerations

  • Implement an awareness and training program. Because end users are targeted, employees and individuals should be made aware of the threat of ransomware and how it is delivered.
  • Patch operating systems, software, and firmware on devices, which may be made easier through a centralized patch management system.
  • Ensure anti-virus and anti-malware solutions are set to automatically update and that regular scans are conducted.
  • Manage the use of privileged accounts. Implement the principle of least privilege: no users should be assigned administrative access unless absolutely needed; those with a need for administrator accounts should only use them when necessary.
  • Configure access controls, including file, directory, and network share permissions, with least privilege in mind. If a user only needs to read specific files, they should not have write access to those files, directories, or shares.
  • Disable macro scripts from office files transmitted via e-mail. Consider using Office Viewer software to open Microsoft Office files transmitted via e-mail instead of full office suite applications.
  • Implement Software Restriction Policies (SRP) or other controls to prevent programs from executing from common ransomware locations, such as temporary folders supporting popular Internet browsers or compression/decompression programs, including the AppData/LocalAppData folder. 

Business Continuity Considerations

  • Back up data regularly, and regularly verify the integrity of those backups.
  • Secure your backups. Ensure backups are not connected to the computers and networks they are backing up. Examples might be securing backups in the cloud or physically storing offline. Some instances of ransomware have the capability to lock cloud-based backups when systems continuously back up in real time, also known as persistent synchronization. Backups are critical in ransomware; if you are infected, this may be the best way to recover your critical data. 

Other Considerations

  • Implement application whitelisting; only allow systems to execute programs known and permitted by security policy.
  • Execute operating system environments or specific programs in a virtualized environment.
  • Categorize data based on organizational value, and implement physical/logical separation of networks and data for different organizational units. 

The Ransom

The FBI does not support paying a ransom to the adversary. Paying a ransom does not guarantee an organization will regain access to their data; in fact, some individuals or organizations were never provided with decryption keys after having paid a ransom. Paying a ransom emboldens the adversary to target other organizations for profit, and provides for a lucrative environment for other criminals to become involved. While the FBI does not support paying a ransom, there is an understanding that when businesses are faced with an inability to function, executives will evaluate all options to protect their shareholders, employees, and customers.

In all cases the FBI encourages organizations to contact a local FBI field office immediately to report a ransomware event and request assistance. Victims are also encouraged to report cyber incidents to the FBI’s Internet Crime Complaint Center (


New Bill Pay Features Coming Soon!

We will be upgrading our Bill Pay service in late May (watch for more information soon!).  These upgrades will bring you a new, streamlined interface, better visibility of your payments, and several new features.  Here are some of these new features:

  • Person-to-Person Payments – pay a friend or family member securely and electronically via email.
  • Alerts – receive email and text alerts about your payments and account activity
  • eBills – receive and pay bills electronically through approved vendor web sites
  • Gift Payments – send gift checks or donations
Want to see more?  Check out these helpful overview videos.


Bill Pay is $6.00 per month for unlimited payments. If you have a Central Value or Central Premium Checking account Bill Pay is free all the time! *Terms vary depending on account type.

Introducing… Our Updated Website!

If you’ve been out to our website, you’re already aware there are some big changes going on here at your local bank… and we’re proud to announce we’ve just released our new, mobile responsive website as well as some visual updates to our online banking platform.

A mobile responsive website automatically resizes to fit your screen, whether it’s a desktop computer, tablet or smartphone. Reading this on your phone? Try it here. We’re also working to add more user-friendly content, including a Help section, where you can go to get all of your questions answered.

Don’t worry. You can still log into your account right from the main menu on the home page!

Have questions/comment about our site? Please take our survey and let us know how we did. We always appreciate your feedback.

And, finally, our online account opening feature is being updated. We hope to have that back up and running before the week is over. Thanks for your patience.

UPDATE: We’ve received multiple complaints that the Online Banking log in button is not visible/working.  We have added pictures to the instructions below in hopes that we can resolve issues more quickly. If your mobile device or computer screen does not resemble the images following this post then we will need more information about your issue in order to get it resolved. Please email us at or call us at 1-888-262-5456. Including information about the web browser or mobile device itself will help us get to a resolution quicker. Our developers thank you for your feedback.

From a mobile device, click the icon in the upper left hand corner of the screen that looks like a black circle with three horizontal white lines  Then, click Login. We’ve included some pictures below that should help illustrate this.

From a computer, the login button is now more visible in the upper right-hand corner of the screen. It is a blue button with the word “Log In” in white. We’ve included some pictures below that should help illustrate this.


EMV Cards – What’s the Big Deal?

EMV Cards are a hot topic in the news. That being said, there’s still a lot that the general public doesn’t know about them. We’ve gathered some of the most asked questions, as well as some additional information so you too can be an expert.

What is an EMV card?

An EMV Card, or a chip card, is equipped with a secure computer chip, also known as an EMV chip. The chip produces a one-time code that is used by the merchant to process a payment. Not all businesses in the United States can accept an EMV card just yet, so cards are still being printed with the traditional magnetic stripe on the back. Most merchants who have completed the upgrade will accept both card types while banks go through the process of updating cards.

Why is the industry changing to Chip Cards?

Chip Cards have been used overseas for many years. To date, the industry sees less crime in other countries because fraud is easier with the magnetic stripe. In an effort to reduce fraud, EMV cards are now being issued in the U.S. EMV cards are harder to replicate because of the one-time code that is generated when the card is “swiped” at the pay station. The code only works for one transaction, so it doesn’t matter if it is intercepted at the point of sale. Conversely, if a magnetic stripe is read at the terminal and someone intercepts your information, the crook can take your information and process other payments.

What if I don’t have an EMV card?

You can still use your current card! Merchant terminals are being updated, but they still have the technology to accept a swipe from a magnetic stripe.

I’ve heard that chip cards aren’t “swiped”. What’s so different about the new cards?

Card Terminals are built with the magnetic swipe machine on top and the chip card slot on the bottom. Your chip card will need to be inserted into the bottom of the card reader. The machine should instruct you to leave your card in the machine for several seconds while the code is created and read. The code will be scanned and then you should be instructed to remove your card. 

When will I be able to get an EMV card from Central National Bank?

The card printing industry is busy producing EMV cardstock for just about every bank in the nation, which means there’s a waitlist. We’re on it and hope to have new stock in the spring of 2016. Once the cardstock is in we can begin issuing cards to customers. Hopefully a couple months’ time will also allow merchants time to get terminals upgraded to accept EMV card transactions! 

Bottom line is… Thank you for being patient with us!