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Online Banking
What are the system requirements for CNB Online Banking?
What if my computer has an older version of one of these browsers?
How much do the CNB Online Banking services cost?
What accounts can I access with CNB Online Banking?
What makes up the balances I see?
What if I forget my password?
Are my e-mails and transactions secure?
How do I access CNB Online Banking?
How frequently is my Community National Bank information updated?
When are transfers processed?
Can I look at all of my transactions at any time?
How far back can I view my account history in CNB Online Banking?
 

Electronic Bill Payment

How do I apply for Bill Payment?
How long does it take to set up a new payee in the Bill Payment system?
How are my payments actually processed?
How long does it take for a payment to reach the payee?
What happens if I make a payment and there are insufficient funds in my account?
How can I verify that a payment has been made or cancel a payment?
Who do I contact if my bill was not paid?
I noticed that a payee address has changed. Why is that?
How far back can I view my Bill Pay History?
 

Personal Finance Manager (PFM) Service

Can I download my account transactions into my Personal Finance Manager Software?
What do I need in order to register for PFM Services?
Which versions of PFM software are supported?
What can I do with the PFM service?
How much does Community National Bank's PFM service cost?
 

Enhanced Login Security

What is Enhanced Login Security?
Why does Online Banking offer Enhanced Login Security?

 

Online Banking

 Q. What are the system requirements for CNB Online Banking?
 A.  For Windows operating systems you will need Microsoft Internet Explorer 6.0 or higher; Netscape 7.2 or higher; AOL 8.0 or higher; or Mozilla Firefox 1.0. For Macintosh operating systems you will need AOL for OS X or Safari 1.2.

 

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 Q.  What if my computer has an older version of one of these browsers?
 A. You can download new or upgraded versions of several browsers on the Internet. The following are URLs that provide these downloads:

Internet Explorer microsoft.com/downloads/search.aspx


Netscape browser.netscape.com

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 Q.  How much do the CNB Online Banking services cost?
 A.  Online Banking through CNB Online Banking is free for all customers. You may also choose to register for online Bill Payment during the Online Banking registration process, or, you can apply for Bill Payment from within Online Banking at a later date. You also have the option to apply for our Personal Finance Manager (PFM) service. PFM service is always free for all CNB customers. Bill Pay service is free with unlimited transactions.

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 Q. What accounts can I access with CNB Online Banking?
 A.   You can access your personal checking, statement savings and money market accounts for transfers. You may only view your activity on CD and IRA accounts.

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 Q.  What makes up the balances I see?
 A.  The Account Balance reflects your current account balance. The Available Balance reflects your current account balance, minus any funds being held for checks deposited or cashed under CNB's Funds Availability Policy, or any funds being held for other types of transactions, such as debit card. The Available Balance for checking accounts also includes the overdraft protection you may have from your Overdraft Line of Credit.

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 Q. What if I forget my password?
 A. 

When you fill out the Registration Form for Online Banking, you will be asked to choose and answer three validation questions. This will allow you to immediately reset your own password from the Online Banking Login Page if you get locked out of Online Banking.

 

If you choose not to answer the three validation questions to reset your own password, you must call CNB's Customer Service Center during regular business hours (8 am to 5 pm Monday through Friday, and 9 am to 12 pm on Saturday) at 830-426-3066 to restore access to the system. This process may take at least one business day.

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 Q.  Are my e-mails and transactions secure?
 A. At CNB, we have taken every precaution necessary to be sure your transaction information is transmitted safely and securely. The latest methods in Internet Banking system security are used to increase and monitor the integrity and security of the system. Our Online Banking Registration Form and service supports 128-bit data encryption which is the highest level available commercially. You will need a browser that supports this level of encryption. Check with your browser manufacturer's Web site for more information. Please do not send sensitive information such as account numbers, passwords or account information via e-mail. E-mail information is not secure since this is sent to us via a different system. Please see the "Enhanced Login Security" section for more information on how to make your Online Banking account even more safe.

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 Q. 

How do I access CNB Online Banking?
 A. Simply click on the CNB Online Banking Login button on our Web site home page at www.cnbanktx.com.                                                                                 

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 Q. 

How frequently is my Community National Bank information updated?

 A.

CNB balance information is always current. Account History transaction information is also always current.

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 Q. When are transfers processed?
 A. 

Transfers made between deposit accounts, except scheduled transfers, will happen immediately and reflect in your Account Balance, providing there are no holds on the account and the funds are available for transfer. The transfer will also show in your Account History detail immediately. Scheduled transfers will be processed on the date you selected and will also show in your Account History detail on the date selected.

 

Transfers from deposit accounts to make loan payments initiated any business day before 2:30 PM will be processed and show in your Account Balance as of the following business day. The transactions will show in your Account History detail the same day after they are initiated. Transfers from deposit accounts to make loan payments that are initiated any business day after 2:30 PM will not be processed or show in your Account Balance until next business day. Deposit funds must be available as of the previous day's balance to complete a successful loan payment. The transactions will show in your Account History the same day initiated.

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 Q. Can I look at all of my transactions at any time?
 A.  Yes, with CNB Online Banking, you have access to your account information 24 hours a day, 7 days a week! Both the Balance information and your Account History transaction information are current for up to three months.

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 Q. How far back can I view my account history in CNB Online Banking?
 A.   The Account Summary section of the Account Access feature will display account activity as of your last statement date by clicking on a specific account under Account Name. The Reports section allows you to view custom reports for all of your CNB transactions that occurred after you signed up for Online Banking for up to three months.

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Electronic Bill Payment

 

 Q. How do I apply for Bill Payment?
 A.  Once you are signed up for online banking, customers are automatically set up to proceed with bill payments.

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 Q. How long does it take to set up a new payee in the Bill Payment system?
 A.  It just takes a few minutes. Once you have entered a new payee into the Electronic Bill Payment System, you may enter a payment to your new payee immediately. Please note that the payment date is the date the payment is to be sent to the payee and not the date the payment is due.

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 Q. How are my payments actually processed?
 A.  Payments are processed on the day designated by you. IPAY, our bill payment processor, generates the payment by either a paper check or an electronic credit based on what type of payments the payee or financial institution receiving the payment accepts. The actual debit from your account occurs within 2 business days of the payment date submitted by you. All payments can be viewed in View Payments; they will appear as pending, in process or sent.

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 Q. How long does it take for a payment to reach the payee?
 A.  A payment that generates an electronic payment will take approximately 3 - 5 business days to reach the payee. If the payee is unable to accept electronic payments, please allow 5 - 10 business days for check payments to be received. Your payee list will display what payment form (check or electronically) the payee accepts.

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 Q. What happens if I make a payment and there are insufficient funds in my account?
 A.  If a "non-sufficient funds" (NSF) condition exists, the debit will be returned via banking channels. You will also be charged a returned item fee. Please refer to the current Fee Schedule. If a payment is set to be generated and the account has insufficient funds, the system will not generate that payment.

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 Q. How can I verify that a payment has been made or cancel a payment?
 A.  You may go into the View Payments screen to view, edit or delete a payment. View Payments displays the status of all bill payments that are pending or have been sent to the payee. Payments with a status of "pending" may be edited or deleted. If you need to cancel a payment that has a status of "sent" - meaning it has already been transmitted - please contact Community National Bank Bill Payment Customer Service at 830-426-3066.

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 Q. Who do I contact if my bill was not paid?
 A.  Please contact Community National Bank Bill Payment Customer Service Department at 830-426-3066 to verify where the payment was sent and when. You'll need the confirmation number of the payment (this can be found in the View Payments section of Bill Payment) and payee name.

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 Q.

I noticed that a payee address has changed. Why is that?

 A. 

Payees supply an updated address after a payment is received. When this happens, the address is automatically updated in the Payee Administration area.

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 Q. How far back can I view my Bill Pay History?
 A.  Up to three months of Bill Payment history can be viewed online via CNB Online Banking. Our bill payment processor, IPAY, maintains payment history for up to seven years.

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Personal Finance Manager (PFM) Service

 

 Q. Can I download my account transactions into my Personal Finance Manager Software?
 A.  Yes, you have two options. You can either download your transactions from within Online Banking to Quicken® by Intuit® , Microsoft® Money, or as Comma-Separated Variables. You can also directly download your Online Banking transactions from within Quicken and Money - just choose Community National Bank from their lists of Financial Institutions. You can also make transfers1 between your CNB Online Banking deposit accounts within Quicken and Money.

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 Q. Which versions of PFM software are supported?
 A. Quicken for Windows 2008, 2007, and 2006
Quicken for Mac 2008, 2007, and 2006
Microsoft Money 2008, 2007, and 2006

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 Q. What can I do with the PFM service?
 A.  You can download your CNB updated account balances and cleared account transactions directly from within Quicken or Money for most accounts you have set-up in CNB Online Banking. You can also initiate transfers between CNB deposit accounts. Please note: Once you define the transfer instructions, you must instruct Quicken or Money to send them to CNB Online Banking for processing.

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 Q. How much does Community National Bank's PFM service cost?
 A. PFM services are free to all CNB customers.

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Enhanced Login Security

 

 Q. What is Enhanced Login Security?
 A. Enhanced Login Security is required and is an easy way to further help prevent identity theft and fraud. Enhanced Login Security strengthens security at login by adding an additional authentication factor beyond the User ID and Password used to login to Online Banking.

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 Q. Why does Online Banking offer Enhanced Login Security?
 A. Enhanced Login Security is an extra layer of security for your protection. CNB utilizes the highest level of commercially available security with SSL (Secure Sockets Layer) and 128-bit encryption which protects your data and transactions while it travels on the Internet. Your Password and User ID also authenticate you as the true user every time you login. Enhanced Login Security is just an additional layer of security so you can rest assured. Since identity theft and fraud are increasing nationwide every year, we want to offer you the highest level of security possible when using online banking. In addition, Federal regulations require that all online banking users register for Enhanced Login Security.

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Hondo Banking Center
P.O. Box 130 ♦ 1502 Avenue M.
Hondo, TX 78861
(Main) 830-426-3066
(Metro) 830-741-3066
(Fax) 830-426-2265
Castroville Banking Center
P.O. Box 1609 ♦ 835 Hwy 90 East
Castroville, TX 78009
(Main) 830-538-3411
(Metro) 830-931-3411
(Fax) 830-538-3951
Lytle Banking Center
P.O. Box 458 ♦ 20102 IH-35 South
Lytle, TX 78052
(Main) 830-772-4445
(Metro) 830-709-3066
(Fax) 830-772-4444
La Coste Banking Center
P.O. Box 100 ♦ 15996 South Front St.
La Coste, TX 78039
(Main) 830-762-3311
(Metro) 830-985-3311
(Fax) 830-762-9180
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