Debit Cards

Q: My debit card has been lost or stolen.

A: Please call 1-866-298-0073 immediately. Your call will either be answered by a debit card representative or The Informant. If The Informant answers, please choose Option 7 from the automated menu and proceed with deactivating your card.

Q: My debit card was declined due to NSF.

A: There are pending transactions causing your Available Balance to be less than the amount you're requesting. You may 1) request an amount less than your Available Balance, 2) Transfer funds from another account via CentraNet!, The Informant (254-751-3750), or by calling a CNB representative (254-776-3800) – these funds will be immediately available, or 3) make a deposit to the account at any CNB location.

Q: My debit card was declined due to invalid PIN.

A: We do not have access to your PIN. Please take a moment to recall if you have changed your PIN recently before trying again. If you have three invalid PIN entries, you will be locked out of the system. If this happens, please visit any Central National Bank location to reset your PIN.

Q: There is a debit to my account for an amount different from what I authorized.

A: It is probable that the charge is a pre-authorization. If the charge is from a place you have not visited or for an unreasonable amount, please contact your account officer or one of our debit card representatives at 254-776-3800 or internetbanking@cnbwaco.com.

Q: There is a debit to my account that I did not authorize.

A: During business hours, please contact your account officer or one of our debit card representatives at 254-776-3800 or internetbanking@cnbwaco.com. If it is after hours, a weekend, or holiday, and you suspect fraudulent activity, please call The Informant (254-751-3750, Option 7, Report Lost or Stolen Card) to deactivate your card and prevent further fraudulent activity. A bank representative will contact you on the next business day.

Q: What is the $1 debit to my account?

A: Some merchants, primarily gas stations / convenience stores, will do a small pre-authorization to determine if the card is valid. It will be removed from your account once the actual transaction is processed or in three days, whichever is sooner.

Q: How can I change my Personal Identification Number (PIN)?

A: PINs can be changed at any Central National Bank ATM or in person at any Central National Bank location.

CentraNet!

Q: When I try to log in to CentraNet!, it gives me the following message: "Invalid CentraNet! ID or PIN".

A: Please take a moment to recall your ID and PIN and reenter them carefully, remembering that they are case sensitive. If you cannot remember your ID or PIN, please call us at 254-776-3800 to reset your account. Three invalid attempts will result in your account being locked (please refer to the question below).

 

Q: When I try to log in to CentraNet! it says my account has been locked.

A: Our system allows you three attempts to enter the correct PIN; after that, it will automatically lock your account. Please contact us at 254-776-3800 or internetbanking@cnbwaco.com to reset your PIN. If you have a Personal Question set up under “Options” and “Personal” you can reset your own PIN by clicking on “Reset Password”. You will be asked to enter you CentraNet! ID, email address, and preferred subject of the email you will receive. Once entered, you will receive an email with a link to your Personal Question. If answered correctly (it is case sensitive), the system will reset your PIN.

The system resets your PIN to the last four digits of the primary account holder's social security number. At this point, you would enter the login id that you have always used, along with the last four digits of that SSN. It will then prompt you to enter the current PIN (last 4 of SSN) and then a new PIN. This is one that you will create. Finally, you will reenter the new PIN to confirm it.

Q: When I try to log in it tells me that my account is dormant.

A: This message is referring to your CentraNet! access, not your actual account here at CNB. In order to keep your CentraNet! account current, you must log in at least once every 90 days. If you receive the message, please contact us at 254-776-3800 or internetbanking@cnbwaco.com.

Q: Will transfers that I do today on CentraNet! be effective immediately?

A: As soon as you complete a transfer, it will be included in your Available Balance and can be accessed by you via CentraNet!, your debit card, a teller, etc.

Q: What is the difference between my Available Funds, Current Balance, and the Balance reflected on my Transaction History?

A: Your Current Balance is your Balance at the end of the previous business day. Your Balance is your Current Balance plus any pending transactions. Your Available Funds is your Balance plus any availability on your Overdraft Limit or BankLine. Pending transactions can include a deposit , loan payment, or other debit made via a CNB representative, ACH, CentraNet!, The Informant, ATM, debit card, etc.

Q: How can I change my CentraNet! ID?

A: Click on "Options". In the "Personal ID" field, enter your desired ID, and click "Submit".

e-Statements

Q: How secure are e-Statements?

A: e-Statements are password protected and contain no more information than is on a paper statement or check, which pass through many hands and are subject to being stolen from your mailbox or trash. Therefore, e-Statements are as safe as, if not safer than, paper statements.

Loans

Q: What is the difference between a home improvement and a home equity loan?

A: A home improvement loan can only be used for improvements to your home and those improvements must be handled by an independent general contractor. A home equity loan can be used for any purpose and can be funded to you.

General

Q: How can I protect myself from identity theft?

A: Two of the best things you can do to protect yourself from identity theft and other types of fraud are to use Internet banking to review your account transactions frequently and to monitor your credit report throughout the year. The sooner you detect and report fraud, the less your liability and the easier it will be to correct. To sign up for CentraNet! Click Here. You are entitled to a free credit report annually from each of the three credit reporting agencies. If you order a credit report from a different agency every four months, you will be able to monitor your credit throughout the year for free. To order, visit www.annualcreditreport.com.