Accounts

Checking & Savings Accounts

At Central National Bank, we’re all about choices. That’s why we offer a variety of checking accounts with features you need to make the most of your money…and your time. No matter which account you choose, you’ll have access to the following convenient features:

  • Visa Debit Card
  • CentraNet Online Banking
  • Mobile CentraNet
  • Online Bill Pay
  • eStatements & eNotices

Campus Account

As you pursue your education, we know there will be moments when you won’t have a lot of money in your account. And, that’s okay. After all, paying for school isn’t cheap, and you need an account that travels with you, wherever your education takes you.

Account Features

  • Online, Mobile & Text Banking
  • Mobile Deposit
  • ATM Withdrawals – 4 free per month*
  • Person-to-Person Payments – 4 free per month
  • If you wish to receive paper bank statements each month, a monthly paper statement fee of $3 may be assessed.

Account Conditions

  • No minimum balance requirement
  • Proof of Student ID – Must be 25 years old or younger
  • Debit Card
  • eStatements

*CNB ATMs are free of charge.

Bold Account

Tailor your bank account to your professional lifestyle and manage your finances from your fingertips by taking advantage of the latest advancements in banking technology. With our BOLD account, you have an account suited to grow with you, your career and your family.

Account Features

  • Online, Mobile & Text Banking
  • Mobile Deposit
  • ATM Withdrawals – 4 free per month*
  • Person-to-Person Payments – 4 free per month
  • If you wish to receive paper bank statements each month, a monthly paper statement fee of $3 may be assessed.

Account Conditions to Avoid Service Charges

  • No minimum balance requirement
  • Debit Card
  • eStatements
  • Direct Deposit (or business owner with CNB business account)
    • A monthly service charge of $4 will be assessed in the event that your account does not have direct deposit activity during the month.

*CNB ATMs are free of charge.

Classic Account

As you wind down your working years and navigate retirement, we feel like you’ve earned a service charge-free account. Our Classic Account is exclusively offered to customers who are 50 years old or older.

Account Features

  • Earned interest of 0.15%
  • Free annual order of bank stock wallet checks
  • Discount of 10% on Safe Deposit Boxes
  • Free cashier’s checks and money orders
  • Online, Mobile & Text Banking

Account Conditions

  • 50 years old or older
  • No minimum balance requirement

Vintage Account

With CNB’s Vintage Account, you can ease into electronic services at your own pace by banking the way that feels most comfortable to you.

Account Features

  • Unlimited Check Writing
  • Complimentary Paper Bank Statements
  • Online, Mobile & Text Banking
  • Free ATM Withdrawals at CNB ATMs

Account Conditions

  • $1,000 Average Daily Balance Requirement
    • A monthly service charge of $7.50 will be assessed if the account’s average daily balance falls below $1,000.

Certificates of Deposit / Time Deposits

For inquiries about rates on Certificates of Deposit, as well as various savings account options, please give us a call (254.776.3800) or send an e-mail to info@cnbwaco.com.

Notice of Customer Identification Requirements