Cincinnati Federal Resources

Welcome to LCNB National Bank! This page was created specifically for Cincinnati Federal bank customers. It contains pertinent details you'll want to know while going through this transition. 
If you have any questions or need clarification, we encourage you to contact us directly for further guidance.
IMPORTANT NOTE: All Cincinnati Federal (new LCNB) locations will be CLOSED Saturday, December 9, 2023 to accommodate the account transitions. All locations will reopen on Monday, December 11, 2023 at 9:00 am with new hours. See the quick reference section for new hours. 
LCNB National Bank is a full service, FDIC Insured National Bank. We were founded in 1877 and now have 30+ offices across Southwest Ohio, Central Ohio and Northern Kentucky.

At LCNB National Bank, we take great pride in giving all of our customers the personal attention and responsiveness that they expect, while providing the strength and security they can count on.
Yes, many of the people who have served you are continuing to do so.
Yes, the Cincinnati Federal office hours will be changing on December 9, 2023 to match LCNB's office hours. Office hours listed below. 

Dent Office
Mon. - Thurs.:       8:30 am - 5:00 pm
Fri.:       8:30 am - 6:00 pm
Sat.:      Closed

Anderson Office
Mon. - Thurs.:       8:30 am - 5:00 pm
Fri.:       8:30 am - 6:00 pm
Sat.:      8:30 am - 1:00 pm
Miami Heights Office
Mon. - Thurs.:       8:30 am - 5:00 pm
Fri.:       8:30 am - 6:00 pm
Sat.:      8:30 am - 1:00 pm
Price Hill Office
Mon. - Thurs.:       8:30 am - 5:00 pm
Fri.:       8:30 am - 6:00 pm
Sat.:      Closed
Florence Office
Mon. - Thurs.:       8:30 am - 5:00 pm
Fri.:       8:30 am - 6:00 pm
Sat.:      Closed
The routing number for LCNB National Bank is: 042205708
Yes, and you will continue to see many of the same friendly faces. In addition, you can now bank at dozens of other LCNB branches throughout Ohio. Click here to view all of our locations.
Yes, your deposits at LCNB National Bank are FDIC-insured to at least $250,000 per account holder ($250,000 per IRA plan). If you have questions about the FDIC's coverage limit as it relates to your account conversion, please contact LCNB at 800-344-2265.
You may use your card and/or PIN to withdraw cash from ATMs that accept the card up to $500 per limit day and for purchases at merchants that accept the card up to $2,000 per limit day. A "limit day" is a 24-hour period beginning at 3:00 pm EST. 
There may be some changes to the terms and conditions for your account(s). In all cases, we have selected the account that is most similar to the one that you currently have. You will find that some fees and charges will change, while others may stay the same. We have highlighted how each account works in the welcome guide, and you can compare LCNB's service fees with those of Cincinnati Federals in the Understanding Service Fees section.
Your year-end tax information will be provided by LCNB National Bank in January 2024. You can call 800-344-2265 with any questions about your Cincinnati Federal tax document(s).
Beginning December 11, 2023, please provide LCNB's routing number (042205708) and your deposit account number to any payor sending you a domestic or international wire. 

Your Cincinnati Federal account(s) will be converted to LCNB National Bank account(s) after the close of business on December 8 through December 11, 2023. In most cases, this change will be automatic - you will not have to do anything. The welcome guide includes specific information on the conversion of checking accounts, savings accounts, CDs/IRAs, and loans. Also, for some accounts and products, you will receive additional materials by mail. 
Account numbers will stay the same for checking accounts, savings accounts, CDs, and IRAs. 
Direct deposits and direct debits will continue to post to your account(s). LCNB National Bank will notify the originators of the new routing number. Government originators are quick to revise this type of data. Others may not revise the information right away. If we cannot get the originator (such as your employer) to update your routing number, we may ask you to contact them. 
You will receive a final deposit account statement from Cincinnati Federal for all transactions through December 8, 2023. After that, for personal accounts, you will receive deposit statements from LCNB National Bank for your transactions and balances on or about the 10th of every month. Business account statements will process on the last business day of the month. 
Yes, you can continue using your Cincinnati Federal debit card through December 10, 2023, however, we do recommend having alternative payment plans during conversion weekend.

You will receive a new LCNB National Bank Debit Mastercard® by December 11,2023, along with instructions on how to activate your new card. 

Your Cincinnati Federal debit card will be deactivated on December 11, 2023. We suggest destroying your old debit card for your security. 
Yes, you can continue using your current Cincinnati Federal check supply for your deposit account(s), even after your account(s) transfer to LCNB. All new check orders made after December 11, 2023, will show LCNB's name and routing number. When you need to order new personal or business checks, come back to, select the Personal or Business tab at the top of the webpage, then follow the link under the Checking tab. You may also visit a local branch or call us. 
Your Cincinnati Federal checking or savings account(s) will convert to an LCNB account with similar features. However, if you feel a different LCNB account would be a better fit, our team is happy to help you switch accounts. 
If you don't find the answer to your question in the welcome guide, stop by your local branch or call 800.344.2265.

With LCNB eBanking, you can easily pay bills, monitor your account(s), deposit checks, send person-to-person payments, and much more. To help you get started, we've answered some key questions below. 

Sometime on December 11, 2023, you will be able to log in to eBanking through our website, If you currently use Cincinnati Federal Online Banking, we will set up a new LCNB eBanking profile for you. By December 11, 2023, you should receive a communication that includes login information and instructions. If you don't receive this communication, please contact our Client Care Team at 800-344-2265
Yes, Once you are enrolled in LCNB eBanking, you can download the LCNB Mobile Banking App from your app store. 
If you currently have saved bill payment payees, scheduled and/or recurring bill payments in your Cincinnati Federal Online Banking, these will transfer to LCNB eBanking.

It is recommended to make note of payees from your Cincinnati Federal account(s) and any scheduled/recurring bill payments prior to December 4, 2023. Once the account transition has been completed, you may log in to LCNB eBanking to verify your payees and payments. 

IMPORTANT NOTE: As of December 4, 2023, you will no longer have access to bill pay through Cincinnati Federal's Online Banking. Previously scheduled payments will continue. 
After December 8, 2023, you will NOT be able to access your Cincinnati Federal online account statements and other documents through Online Banking. Please ensure you have downloaded and securely saved any electronic documents from Cincinnati Federal that you need before all accounts transfer to LCNB.
If you currently have internal/external automatic transfers set up through Online Banking, you will need to set them up again in LCNB eBanking.

IMPORTANT NOTE: As of December 4, 2023, you will no longer have access to external transfers through Cincinnati Federal’s Online Banking. Previously scheduled transfers will occur through December 8, 2023.
Check out our eBanking User Guide at available on December 1, 2023. If you have any questions, contact our Client Care Team at 800-344-2265.

Yes, your current CD from Cincinnati Federal will continue to earn the same fixed interest rate that was guaranteed when you opened or last renewed your CD. This rate will remain in effect until the CD matures, when we will automatically renew it at the current market rate unless you are otherwise notified. For more information, visit a branch or call 800-344-2265.
No, your CD will keep its existing maturity date. Ten days before the CD matures, you will receive a notice of renewal for your CD. At that time, you can let the CD automatically renew with the same term at the current market rate, or you can choose to withdraw the funds or reinvest them for a different CD term. Contact our team to learn about our many other CD options and rates, including special promotional CDs.
Yes, your deposits are FDIC-insured to at least $250,000 per account holder ($250,000 per IRA plan). A personalized report can be created using the FDIC calculator on the FDIC’s website at
You can view your CD or IRA balances via eBanking, and you can also review this information on your combined LCNB checking or savings account statement(s).
If you have a fixed rate IRA CD, your rate and maturity date will be maintained. If you have an IRA savings account, it will convert to LCNB’s 18-month variable rate IRA CD with a maturity date of June 8, 2025. The rate is tied to the 182-Day U.S. Treasury bill and changes quarterly.

LCNB National Bank will assume Custodial/Trustee responsibilities for your IRA, and you will receive annual statements itemizing all activity on your account. A separate mailing will be sent to IRA account holders detailing the transfer. Please retain your previous Cincinnati Federal IRA statements, along with IRA-related correspondence from LCNB, for your records.

Automated payments or payments from a computerized bill payment arrangement should continue to function as they have with Cincinnati Federal. If your payment was automatically deducted from a Cincinnati Federal account, your payment will continue as it did previously

Please note: Your end-of-year tax information will be provided to you by LCNB National Bank.
By now you should have received a letter in the mail called a “Hello/Goodbye” letter. The heading on the letter reads NOTICE OF SERVICING TRANSFER. This letter is
a requirement by law and is simply to inform you that your payments need to be sent to a new address, as well as the timing of when you need to begin sending payments to that new address.

Please note: Payments can also be accepted at any LCNB office beginning on December 11, 2023. If you have questions after reading the “Hello/Goodbye” letter, you can call LCNB at 800-344-2265 ext. 51300 and ask for loan servicing. We will be glad to assist you.
Commercial loans will remain unchanged. Our LCNB Loan Officers will continue to service your account(s). We are here to help you with even more tools than previously offered. Contact your office to see what LCNB can do for you.
If you have a HELOC account and have not received a letter titled “NOTICE OF CHANGE OF OWNERSHIP” by November 30, 2023, please contact loan servicing at 800-344-2265 ext. 51300.

Clients with a HELOC, please continue to use your current checks and HELOC debit cards until December 8, 2023. After this date, please destroy the old checks and your old HELOC debit cards. You may begin to use the new checks and the new LCNB Debit Mastercard® for your HELOC account you received from LCNB beginning December 11, 2023. If you have not received your new checks or your LCNB Debit Mastercard® for your HELOC account, please contact the LCNB loan servicing department at 800-344-2265 ext. 51300.

LCNB home equity loan and line of credit statements will continue to be generated as they are currently.

Also, starting December 11, 2023, if you were signed up and able to view your HELOC account via Online Banking with Cincinnati Federal, you will be set up with an LCNB eBanking profile. Please reference the LCNB eBanking Q&A section of the welcome guide for more information regarding eBanking services and downloading the LCNB Mobile Banking App.

FAQ Categories

  • General
  • Deposit Account Questions
  • eBanking (Online &
    Mobile Banking)
  • Details About Your
    CD or IRA
  • Details About Your Loan

Quick Reference

Call LCNB  |  800-344-2265
Local Client Care Center
Mon. - Thurs.:       8:30 am - 5:00 pm
Fri.:       8:30 am - 6:00 pm
Sat.:      8:30 am - 1:00 pm
After-Hours Call Center
Mon. - Thurs.:       5:00 pm - 11:00 pm
Fri.:       6:00 pm - 11:00 pm
Sat.:      1:00 pm - 5:00 pm
Sun.:      1:00 pm - 5:00 pm

Bankline Telephone Banking
Report a Lost or Stolen Card
Cardholder Services Card Activation
Website & eBanking
Mailing Address
P.O. Box 59, Lebanon, OH 45036
LCNB Routing Number