Access your accounts anywhere, day or night, with Online for Business and our Mobile App!
We offer the latest in account safety including multi-factor authentication and encryption. You may initiate transactions from any computer with internet access.
Citizens National Bank offers 4 packages of Online for Business which provide additional functionality depending upon your business needs.
- Basic Package – Included free of charge with any business checking account.
- Basic Plus – Initiate domestic and international wires yourself without having to go to the bank.
- Small Business – Use Online for Business to manage your state and federal tax payments as well as initiate direct deposit of payroll for your employees with limited ACH access, or Vendor Payments.
- Deluxe – Includes all the functionality of the previous packages in addition to full ACH capability, including electronic vendor payments and returns.
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Ask about options for smaller businessesCompare Packages
Compare our Online for Business packages to determine which one will fit your needs!
Features | Basic | Basic Plus | Small Business | Deluxe |
---|---|---|---|---|
Image Retrieval | x | x | x | x |
Transaction Search | x | x | x | x |
Transaction Export | x | x | x | x |
E-statements | x | x | x | x |
Stop Payments | x | x | x | x |
CNB Account Transfers | x | x | x | x |
Bill Payment | x | x | x | x |
Merchant Capture | x | x | x | x |
Expense Tracking | x | x | x | x |
Domestic Wires | x | x | x | |
International Wires | x | x | x | |
Federal Tax Payments | x | x | ||
State Tax Payments | x | x | ||
Direct Deposit Payroll | x | x | ||
ACH Electronic Payments | x | |||
External Transfers/Cash Consolidation | x | |||
ACH Vendor Deposit | x | x | ||
ACH Returns | x | x | ||
Same Day ACH | x | x |
Business Bill Payment
Pay all your bills through one website and track them easily.
Payments don’t come out of your account until the scheduled due date, making it easier to plan ahead.
Benefits include:
- Unlimited payments
- Unlimited payees
- Schedule payments 24/7.
Features
- This is a Free service.
- Administer three levels of authorized users with dual control features.
- Receive and pay e-Bills online.
- Schedule repeating payments.
- Enter invoice and credit memo information with your payments.
How to Enroll
- If you are an Online for Business client, you simply need to call 1-800-262-4663, ext. 456 to activate bill pay for you or any of your staff.
- For customer service questions regarding CNB Business Bill Payment, call toll free: 877-242-6934
Signing into CNB Business Bill Payment
- CNB Business Bill Payment is accessed within Online for Business under the Funds Management section, labeled Bill Payments.
- Clicking on that button will redirect you to CheckFree’s Bill Payment website.
- Then, simply enter your Login Information.
Positive Pay
We offer both Check Positive Pay and ACH Positive Pay.
These automated fraud detection tools can help stop fraud before it hits your account!
Check Positive Pay
How It Works
Positive Pay requires the company to send a file of issued checks to the bank each day checks are written. When those issued checks are presented for payment at the bank, they are compared electronically against the list of transmitted checks.
When a check is presented that does not have a “match” in the file, the bank sends an image of the exception item to the client. The client reviews the image and instructs the bank to pay or return the check.
Features
- Prevents check fraud before it occurs
- The business owner determines dollar amount limit exceptions
- Approve on the go with alerts through mobile banking
- Integrates with Online for Business for ease of use
ACH Positive Pay
ACH Positive Pay helps to mitigate fraud on your business accounts by monitoring your daily ACH activity for unauthorized transactions.
How It Works
Once CNB adds the service to your Online for Business package, you will work with your Online for Business Specialist to set up rules for transactions to be approved. Authorization rules can be added at anytime directly in the system or by contacting CNB.
Unlike Check Positive Pay, there is no file to upload because the ACH items will have already posted. Posted transactions will be scrutinized against the authorization rules to determine if it should be automatically approved or marked as an exception for further review. Those exceptions will need reviewed by the cutoff time each day to determine if any need returned. Email and text notifications will be available for exceptions.
Account Alerts
Always know what’s going on with your accounts by enrolling in alerts.
Receive them either through email or text. They’re delivered in real-time for your peace of mind.
How to enroll:
- Click the Alerts button in Online for Business.
- Choose Alert Options.
- Choose which alert you want to enroll in from the dropdown of each category.
- Select if you want the alert sent to your email, mobile phone, or secure inbox, and Save.
Note: Alerts will only be delivered to those who initiate the transaction, so senior administrators and company owners will not automatically see alerts generated from employee actions.
Enroll in as many or few alerts as you’d like.
Our most popular alerts include:
- BALANCE – Account balance below threshold
Be notified when your account balance falls below the amount you choose. - TRANSACTION – Deposit was credited to an account
Be notified every time your account receives a deposit, such as when you get paid. - TRANSACTION – Recent transactions
Review all transactions from your account for the past 72 hours. Schedule the alert to be sent one or multiple days a week. This alert is recommended for email distribution for easiest reading. Text alerts will not provide the transaction information. - TRANSACTION – Card transaction over threshold amount
Set an upper threshold to easily track larger transactions completed with your debit card and help monitor fraud. - LOANS – Loan payment due at billing
Receive a reminder when an upcoming payment is due on an account.
Online Security
You can be confident banking online with CNB!
We utilize encryption, multi-factor authentication and other tools to be sure your information is secure.
Compare our Online for Business packages to determine which one will fit your needs!
Features | Basic | Basic Plus | Small Business | Deluxe |
---|---|---|---|---|
Image Retrieval | x | x | x | x |
Transaction Search | x | x | x | x |
Transaction Export | x | x | x | x |
E-statements | x | x | x | x |
Stop Payments | x | x | x | x |
CNB Account Transfers | x | x | x | x |
Bill Payment | x | x | x | x |
Merchant Capture | x | x | x | x |
Expense Tracking | x | x | x | x |
Domestic Wires | x | x | x | |
International Wires | x | x | x | |
Federal Tax Payments | x | x | ||
State Tax Payments | x | x | ||
Direct Deposit Payroll | x | x | ||
ACH Electronic Payments | x | |||
External Transfers/Cash Consolidation | x | |||
ACH Vendor Deposit | x | x | ||
ACH Returns | x | x | ||
Same Day ACH | x | x |
Pay all your bills through one website and track them easily.
Payments don’t come out of your account until the scheduled due date, making it easier to plan ahead.
Benefits include:
- Unlimited payments
- Unlimited payees
- Schedule payments 24/7.
Features
- This is a Free service.
- Administer three levels of authorized users with dual control features.
- Receive and pay e-Bills online.
- Schedule repeating payments.
- Enter invoice and credit memo information with your payments.
How to Enroll
- If you are an Online for Business client, you simply need to call 1-800-262-4663, ext. 456 to activate bill pay for you or any of your staff.
- For customer service questions regarding CNB Business Bill Payment, call toll free: 877-242-6934
Signing into CNB Business Bill Payment
- CNB Business Bill Payment is accessed within Online for Business under the Funds Management section, labeled Bill Payments.
- Clicking on that button will redirect you to CheckFree’s Bill Payment website.
- Then, simply enter your Login Information.
We offer both Check Positive Pay and ACH Positive Pay.
These automated fraud detection tools can help stop fraud before it hits your account!
Check Positive Pay
How It Works
Positive Pay requires the company to send a file of issued checks to the bank each day checks are written. When those issued checks are presented for payment at the bank, they are compared electronically against the list of transmitted checks.
When a check is presented that does not have a “match” in the file, the bank sends an image of the exception item to the client. The client reviews the image and instructs the bank to pay or return the check.
Features
- Prevents check fraud before it occurs
- The business owner determines dollar amount limit exceptions
- Approve on the go with alerts through mobile banking
- Integrates with Online for Business for ease of use
ACH Positive Pay
ACH Positive Pay helps to mitigate fraud on your business accounts by monitoring your daily ACH activity for unauthorized transactions.
How It Works
Once CNB adds the service to your Online for Business package, you will work with your Online for Business Specialist to set up rules for transactions to be approved. Authorization rules can be added at anytime directly in the system or by contacting CNB.
Unlike Check Positive Pay, there is no file to upload because the ACH items will have already posted. Posted transactions will be scrutinized against the authorization rules to determine if it should be automatically approved or marked as an exception for further review. Those exceptions will need reviewed by the cutoff time each day to determine if any need returned. Email and text notifications will be available for exceptions.
Always know what’s going on with your accounts by enrolling in alerts.
Receive them either through email or text. They’re delivered in real-time for your peace of mind.
How to enroll:
- Click the Alerts button in Online for Business.
- Choose Alert Options.
- Choose which alert you want to enroll in from the dropdown of each category.
- Select if you want the alert sent to your email, mobile phone, or secure inbox, and Save.
Note: Alerts will only be delivered to those who initiate the transaction, so senior administrators and company owners will not automatically see alerts generated from employee actions.
Enroll in as many or few alerts as you’d like.
Our most popular alerts include:
- BALANCE – Account balance below threshold
Be notified when your account balance falls below the amount you choose. - TRANSACTION – Deposit was credited to an account
Be notified every time your account receives a deposit, such as when you get paid. - TRANSACTION – Recent transactions
Review all transactions from your account for the past 72 hours. Schedule the alert to be sent one or multiple days a week. This alert is recommended for email distribution for easiest reading. Text alerts will not provide the transaction information. - TRANSACTION – Card transaction over threshold amount
Set an upper threshold to easily track larger transactions completed with your debit card and help monitor fraud. - LOANS – Loan payment due at billing
Receive a reminder when an upcoming payment is due on an account.
You can be confident banking online with CNB!
We utilize encryption, multi-factor authentication and other tools to be sure your information is secure.
We're helping build businesses one relationship at a time.
CNB Success Stories
Family-owned Rettig Furniture & Mattress has continued to thrive as a brick-and-mortar business in Findlay for more than 40 years. After being a victim of check fraud, Tony Rettig has found Citizens National Bank’s Positive Pay program gives him peace of mind by monitoring daily activity for unauthorized check transactions. This protection allows him to focus on what he loves, helping furnish people’s homes with quality furniture.
CNB News and Events
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