Online Banking

This version of CentralNET offers standard business services for up to 10 accounts. The Small Business version of CentralNET gives you the power to:

• Offer single-user access

• View and download deposits and loan account balances and activity

• Access check images

• Initiate stop payment orders and view history

• Execute one-to-one account transfers

• Pay Central Bank loans

• Make unlimited online bill payments – free

• Choose expedited bill pay – make same- or next-day electronic payments¹

• Retrieve eStatements

• Utilize CentralMOBILE

• Make mobile deposits via CentralMOBILE

To Enroll in CentralNET Small Business, you may fill out the CentralNET Small Business Agreement form and send it in to Central Bank, Attention: CentralNET Client Services or visit any banking center for assistance.

If you currently have CentralNET Small Business access and need to make changes, you may fill out the CentralNET Consumer and Small Business Additional Services Request form and send it to Central Bank, Attention: CentralNET Client Services or visit any banking center for assistance.

For larger companies, CentralNET provides a wealth of valuable and convenient features. Please call corporate services at 859-253-6368 for pricing information. With this version you can:  

• View deposits and loan account balances and activity

• Receive eStatements

• Access check images

• Initiate stop payment orders and view history

• Pay Central Bank loans

• Provide multiple-user access

• Receive business alerts

• Choose dual-control option

• Download transactions to Quicken^® or QuickBooks^®

• Perform BAI exports

• Report cash positions

• Originate ACH payments and wire requests¹

For business customers with more sophisticated cash management needs, we offer a Cash Management version of our online banking services. Companies receive all the features of our Business Version of CentralNET plus:

ACH Payment Module

Set up each employee for direct deposit, send payments to your recurring payees and send state and federal tax payments.

ACH Collection Module

Allows businesses to concentrate funds to Central Bank from accounts at other banks or to collect periodic payments like health club dues, tuition payments, pledged donations or other recurring collections.

ACH Payment and Collection Services

In addition to the ACH solutions in CentralNET Business, any NACHA-formatted data file created by your company's payroll or accounting software can be provided to us by secure email or secure direct file transfer for upload into the Federal Reserve System.