West Bank: (785) 323-1111
East Bank: (785) 323-4200
Questions? We're here for you. Manhattan: West (785) 323-1111 · East (785) 323-4200

Frequently Asked Questions

General Information

What are your regular hours of service?
View Locations and Hours
Where can I view your holiday schedule?
View Holiday Hours and Closings
How do I change my address or phone number?
Moving can be stressful; banking with us shouldn’t be. Speak with a personal banker—they’ll do what they can to help minimize your stress.
How do I learn about career opportunities with Community First National Bank?
We appreciate your interest in joining our team. Learn more about working with us and our current job openings.

Report Account Issues

How do I report a lost or stolen ATM/Debit card?
When the bank is open, call us at (785) 323-1111, or stop by your nearest branch as soon as you can.
After hours, call (800) 554-8969 and follow the prompts. Then, contact your branch the next business day.
How do I report a lost or stolen credit card?
When the bank is open, call us at (785) 323-1111, or stop by your nearest branch as soon as you can.
After hours, call (800) 423-7503 and follow the prompts. Then, contact your branch the next business day.
How do I report fraud or dispute an unauthorized charge?
Call us at (785) 323-1111 as soon as possible.
How do I place a stop payment on a check?
Call us at (785) 323-1111 and speak to a personal banker.


How do I reorder checks?
Speak with a personal banker by phone at (785) 323-1111 or in person, or order directly from Main Street Checks.
How do I open a new account?
Stop into your local branch to discuss your banking needs with a personal banker.
What type of identification do I need to open a new account?
In addition to your current contact information and social security number, please bring your non-expired driver’s license or other valid government issued photo ID (passport, state ID card).
Minors without a government issued photo ID should bring a Social Security Card.
Additional documentation may be required. Please review this brochure for details.
What is a beneficial owner?
To open a new business account, we are required to collect certain information. Learn more about Beneficial Ownership requirements.
How do I add or remove a person from an account?
Speak with a personal banker in person or by phone at (785) 323-1111 for assistance.
How do I request direct deposit?
Contact your employer for assistance.
What is my routing number?
Your routing number is 101114918. You’ll find the routing number and account number at the bottom of your checks.
How do I request a wire transfer?
For wire transfers, contact a personal banker for instructions.
What are your current rates?
View Rates (PDF)
What is the telephone number for TeleBank?
Using TeleBank, you can check balances anytime, anywhere using your telephone. Call (877) 690-6929.
How do I access account information on TeleBank?
To review balances and recent transactions:
  1. Call (877) 690-6929.
  2. Press "1" to enter system.
  3. Enter account number, then press the "#" key.
  4. Select account type ("1" for checking, "2" for savings, "3" for certificate of deposit, or "4" for a loan).
  5. Enter your PIN, then press the "#" key.
  6. Follow the menu prompts to review your account information.
Note: In most cases, pressing "9" will take you back to the previous menu.
How do I change my Telebank PIN
To change your Telebank PIN:
  1. Call (877) 690-6929.
  2. Press "1" to enter system.
  3. Enter account number, then press the "#" key.
  4. Select account type ("1" for checking, "2" for savings, "3" for certificate of deposit, or "4" for a loan).
  5. Enter Current PIN, then press the "#" key.
  6. Choose option "9" from the next menu.
  7. Choose option "5".
  8. Follow the menu prompts to complete the process.

Borrowing and Credit

How do I apply for a loan?
Call to speak with a loan officer or schedule an appointment, visit your branch, or complete an application form and mail or fax it to us.
Can I call you to pay off my loan with a credit card?
Yes, simply provide us with your credit card number and expiration date. We can process your payoff with the understanding that we receive the signed receipt from the transaction.

ATM and Debit Cards

I just received a debit card in the mail. How do I activate it?
Call (800) 708-7119 and follow the prompts.
My debit card expires this month and I haven't received a new card. When will I receive a new card?
Watch your mailbox. You should receive your new card two weeks before your current card's expiration date.
How do I change my ATM or debit card PIN?
If you have your ATM or debit card handy, call (800) 567-3451 and follow the prompts to instantly change it. Or, if you know your current PIN, you may change it at a Community First ATM.
What should I do if I plan to travel and use my debit card?
When travelling (domestically or internationally), call us before you leave town and let us know when and where you are travelling. This will help us to ensure uninterrupted service during your trip. Please send us a postcard!
For credit cards, call (866) 572-1637.
What is a chip card?
A chip card—also known as an EMV card—is your financial institution’s way of adding an extra layer of security when you pay. Chip cards can be used anywhere your other cards are used, but the chip functionality only works at a business that has an activated chip-enabled terminal.
Does Community First National Bank issue chip-enabled debit cards?
When will I receive a chip-enabled debit card?
Your current debit card will continue to work at stores and ATMs until the expiration date printed on its front. A few weeks before your current card’s expiration date, you will receive a new debit card with an EMV chip.
How do I use my chip card?
  1. Insert your card into the chip-enabled terminal with the chip first, facing up.
  2. Leave the card in the terminal until the transaction is complete. You may be prompted to sign your name or enter you PIN.
  3. If there isn’t a chip-enabled terminal, use the card the traditional way and swipe.
If fraud happens on my debit card and I don’t have a chip card, am I liable for the transaction?
For consumer transactions, whether you dip or swipe, you still are not held liable for fraudulent purchases as long as you reported the fraudulent transaction as soon as you noticed it. For business card transactions, you may be liable for fraudulent transactions.
Will chip cards guarantee my card information is not stolen?
Chip cards are an important step for keeping your data safe because they make counterfeit fraud virtually impossible. However, no single technology will prevent fraud. Chips are only part of the greater effort being made by banks and networks to combat thieves and hackers.

e-Banking and Mobile Banking

How do I activate e-banking or mobile banking?
Complete the e-Banking Agreement and return it to a personal banker.
How do I enroll in online bill payment?
If you have not yet activated e-banking, complete the e-banking enrollment process. If you previously set up e-banking, contact a personal banker to activate online bill payment.
What is a "User Code"?
Your User Code is used to sign into e-Banking. Refer to your e-Banking Agreement, or call us at (785) 323-1111 for assistance.
How do I request a new Password?
Try the password reset form. Still having trouble? Speak with a personal banker at (785) 323-1111.
Is there a fee to use e-banking or mobile banking or online bill payment?
Using online bill pay is included with your account. Note that charges may apply for certain transactions. Please contact your personal banker or refer to your e-Banking Agreement for more info.
How do I access e-banking?
After completing the enrollment process,
  1. Enter your User Code in the Internet Banking Login box on our website.
  2. On the next screen, enter your password.
Note that in some instances, you will need to answer a security question to verify your identity prior to entering your password.
Remember to log out and close your browser window when you are finished reviewing your account.
How do I view my accounts on my phone or tablet?
After completing the e-banking enrollment process, visit our website (cfnbmanhattan.com), or download our mobile banking app for your device's app store. Login with the same User Code and password you use for e-banking.
Learn more about mobile banking.
What is the difference between "memo available balance" and "current balance"?
"Memo available balance" is your balance after any presentments or holds. "Current available balance" is your balance before any presentments or holds.
What is a "presentment"?
A "presentment" is a credit or debit item that has not posted to your account yet.
Will my deposit post to my account on the same day it is deposited?
Yes. All deposits made at the bank before 6:00 p.m. will post the same day.
I made an express transfer online but it is not showing in the recipient account. Why not?
Online transfers made before 6:00 pm will post on the same business day. Any transfers after 6:00 pm or on a non-business day will appear on the next business day.
How do I manage my credit card account?
Visit https://www.mycardstatement.com
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Member FDIC. Equal Housing Lender. NMLS ID 449196.
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