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Business Services

Banking made easy.

Business ServicesCentral National Bank offers a suite of Treasury Management services designed to assist you in efficiently managing your company’s cash flow.  Our goal is to simplify the funds management process to reduce the time and effort required, allowing you to focus on your core business and on making money, rather than managing money.

The descriptions below are designed to give you an overview of what we have to offer and an indication of what might appeal to you.  However, since each company is unique, if you see something that piques your interest, or if you’re curious about how our Treasury Management services may assist you, please contact us at for an analysis tailored for your business.

CentraNet! Cash Manager Online Banking

Our online business banking product – CentraNet! Cash Manager – allows you to manage your cash flow and your banking relationship from the convenience of your home or office.  CentraNet! Cash Manager allows you to view your account balances and transactions in a real-time environment, view your account history and check images, reorder checks, place stop payments, transfer funds between accounts, advance on loans, make loan payments, send bill payments, initiate wire transfers, and initiate ACH debits and credits.

ACH (Automated Clearing House) Services

ACH is an electronic funds transfer that eliminates the need for writing paper checks.  With ACH capability, you can pay your employees via direct deposit, saving you time and money and allowing your employees faster and easier access to their funds.  If you receive payments from your customers on a routine basis, you can obtain a preauthorization to debit their accounts for your payments.  This will allow you faster and easier access to your funds at a reduced processing cost. [ACH FAQ’s]

Positive Pay

Once you are a CentraNet! Cash Manager User, you will have access to our Positive Pay fraud prevention system at no charge.  Unfortunately, check fraud is on the rise. With Positive Pay, you will send us a file of issued checks daily (or as often as you issue checks) to be compared with checks trying to clear your account. Any checks that try to clear which are not included in your file will be rejected as exceptions for you to view and approve. This process allows you to identify unauthorized, counterfeit, or forged checks before they clear your account, protecting you from monetary losses as well as the hassle of having to deal with fraudulent checks and closing accounts that have been the subject of fraud.

Express Deposit

Express Deposit is an online service that allows you scan your deposit items enabling you to make electronic deposits from your desktop.  With Express Deposit, you can make your bank deposits from the convenience of your home or office, eliminating the need to travel to the bank and allowing you and your employees more time to focus on your business. [Express Deposit FAQ’s]

Merchant Services

Give your customers additional payment choices by accepting credit cards and/or debit cards.  Central National Bank offers competitive rates, plus several options for credit card processing, that can be tailored to your business needs. [More Info]

Lockbox Service

Our Lockbox Service efficiently handles the check payments that you receive via mail so that your employees can spend their time focusing on your core business. We would receive and process your payments and provide you with a file of payments received. This process accelerates the processing of payments and thus funds availability and allows you to reallocate your resources (employees’ time) or reduce overhead.

ACH Blocking

With our ACH Blocking service, you can completely block other companies from being able to debit your account for payments. Or, if you would like to allow a few vendors to debit your account for payments, we can allow those and block all others.

Business Debit Cards

Debit Cards from Central National Bank provide you and your employees with the convenience of making business purchases on-the-go. Daily spend limits can be adjusted for different employees. For more information, please e-mail us.