Digital Banking Frequently Asked Questions

Digital Banking is an all-inclusive, immersive experience where the same feature-sets are available on all platforms like Desktop, Laptop, Tablet and Mobile Device. There's little difference between the functionality between the platforms. Digital banking also includes more features than we previously had like Online Chat, Virtual Assistant and Secure Messaging all in the same platform.

Your new CNB Digital Banking service will be available beginning Monday, June 12th, 2023.

The first time you login, the system will need to send you a Secure Access Code (SAC). That code will be sent to a phone number or email address we have on file for you. If we don’t have a valid number or email address for you on file, you won’t be able to login without calling us for assistance.

Prior to the live date of June 12th, CNB employees have been contacting customers to inform them of the importance of updating their contact information. If the customer chooses, they can call their local branch or they can update their information in the current online banking system. After the live there will be a process for updating your contact information from inside CNB Digital Banking.

Yes, as we complete the system conversion, you will need to modify your Quicken/QuickBooks settings to ensure the smooth transition of your data. In preparation for the conversion, we recommend you complete a final download before 3:00PM CDT on 06/09/2023 and disconnect your accounts in Quicken/QuickBooks. Quicken/QuickBooks will become available for use again on 06/12/2023. On or after this date, you may reconnect your applicable accounts to CNB Bank & Trust, N.A.

Yes. You will need to use a recent version (the last 2 versions released) of Google Chrome, Mozilla Firefox, Apple Safari or the latest version of Microsoft Edge.

For questions, please contact Customer Service at (866) 342-2620 between the hours of 8:30am to 4:30pm Monday through Friday and a member of Customer Service will be happy to help.

Yes, alerts can be set up. Account, Date, History, Insufficient Funds and Transaction alerts can be established. Alerts can also be delivered via the system’s secure messaging mailbox, or email, phone or text. Dual authorization via alerts is also available to ensure corporate transactions receive the proper approvals.

In most instances, your login name will be the same. If a change is required, you will be contacted in advance to let you know of the change. 

The process will mostly remain the same. You will click on the CNB Digital Banking button as always, enter your username and password. If it’s the first time you login, the system will ask you to change your password. The system will send you a Secure Access Code via your chosen communications method (Text, Email or voice). You’ll enter the Secure Access Code (SAC) into the system, and you will be logged in.

The first time you login, the system will need to send you a Secure Access Code (SAC). That code will be sent to a phone number or email address we have on file for you. If we don’t have a valid number or email address for you on file, you won’t be able to login without calling us for assistance.

A Secure Access Code (SAC) is a unique, single-use 6-digit code which protects against fraud by safeguarding your online transactions and sensitive information. A SAC is another level of authentication in addition to your Login ID and password, providing you stronger online security.

You choose how you want to receive your SAC: by text, email, or phone. We need your current contact information for you to receive your SAC. Never share a Secure Access Code with anyone else.

Yes, you can register up to 15 separate devices.

Yes. CNB Digital Banking is one seamless user experience utilizing a single User ID and Password for all platforms.

Yes, you can if it meets our password policy requirements: At least 1 lower case, at least 1 upper case, at least 1 number, at least 1 special character, and between 8 and 17 characters.

After your first successful login, log in to CNB Digital Banking. Select Security Preferences under the Services menu. Select Change Password. Enter your current password, create a new password, and confirm your new password following the onscreen password criteria.

Yes, once you have successfully logged into CNB Digital banking system, you can update your preferred contacts via the Settings > Security Preferences menu. Under this menu you can change your login name, password or set up additional Security Access Code contacts.

Prior to the live date of June 12th, CNB employees have been contacting customers to inform them of the importance of updating their contact information. If the customer chooses, they can call their local branch or they can update their information in the current online banking system. After the live there will be a process for updating your contact information from inside CNB Digital Banking.

For questions, please contact Customer Service at (866) 342-2620 between the hours of 8:30am to 4:30pm Monday through Friday and a member of Customer Service will be happy to help.

Yes, there will be a new CNB Digital Banking App for mobile devices. It will be the same application for Retail, Small Business and Corporate Mobile Banking.

CNB Digital Banking is available to everyone, even on a mobile device. Simply download the CNB Digital Banking mobile app from your device’s app store and follow the on-screen prompts.

You may use the service for no cost; however, your wireless carrier may charge you fees related to this service.

Yes, our CNB Digital Banking for Mobile Devices service utilizes best practice security services such as HTTPS, TLS encryption, password access, biometrics, and application time-out when not in use. Only the phones that you enroll can access your bank accounts and no account data is ever stored on your phone.

Yes. The mobile app allows you to enter a mobile deposit by taking photos of the front and back of the check. Once you have the image lined up in the viewer, click the screen to take the photo. (Note: Due to a scheduling issue, mobile deposit functionality may be available the day after the CNB Digital Banking Live day, on Tuesday, June 13th, 2023.)

Yes. You will have the ability to send payments from your mobile device.

The CNB Digital Banking app is supported on most iPhone®, iPad®, and Android devices with up-to-date Operating Systems. You can also use mobile phones with a mobile web browser that supports cookies.

For questions, please contact Customer Service at (866) 342-2620 between the hours of 8:30am to 4:30pm Monday through Friday and a member of Customer Service will be happy to help.

Yes, your transaction history is updated from our core system and kept up to date.

24 months of transaction history will be transferred to CNB Digital Banking from the current system. After that, history will continue to build from that point forward.

Yes. You will continue to have access to 24 months of eStatements.

Yes, check images will show in the transaction detail section of each account you have access to.

Yes, by clicking on the account on the Home page, this will bring you into the Account Details page. The ‘Export’ option is located on the right side of the screen. The following export formats are available:
Spreadsheet (xls), Spreadsheet (csv), Microsoft OFX (ofx), Quicken (qfx), Quickbooks (qbo)

Yes, as we complete the system conversion, you will need to modify your Quicken/QuickBooks settings to ensure the smooth transition of your data. In preparation for the conversion, we recommend you complete a final download before 3:00PM CDT on 06/09/2023 and disconnect your accounts in Quicken/QuickBooks. Quicken/QuickBooks will become available for use again on 06/12/2023. On or after this date, you may reconnect your applicable accounts to CNB Bank & Trust, N.A.

Any transactions (e.g. recurring transfers, bill payments) previously scheduled in the current Online Banking System, will need to be cancelled/deleted and re-scheduled in CNB Digital Banking.

For questions, please contact Customer Service at (866) 342-2620 between the hours of 8:30am to 4:30pm Monday through Friday and a member of Customer Service will be happy to help.

Yes. You will have the ability to send payments from your mobile device.

You can access the new BillPay service by logging into CNB Digital Banking and selecting “Bill Payment” under the “Transfer & Payments” menu. All your existing BillPay activity, payees, and payment templates will be available.

No action is required. All previously entered BillPay information (i.e. payees, scheduled payments, recurring payments, etc.) will remain in your BillPay profile.

Yes, Zelle will still be supported in CNB Digital Banking on all platforms. If you were previously registered for Zelle, you’ll still be registered on the new system.

For questions, please contact Customer Service at (866) 342-2620 between the hours of 8:30am to 4:30pm Monday through Friday and a member of Customer Service will be happy to help.