Safety and Service

Welcome to LCNB’s page dedicated to providing you with information during the COVID-19 crisis.  Please review the list of resource links in the table below, along with the update as to how LCNB is serving our clients at this time.

Helpful Services to Guide You
Through COVID-19
For More Information
Consumer loan relief: read about and request help, including deferring payments on current mortgages, auto, or other loans. Visit the page
Business loan relief: read about and request payment deferrals and low-interest loans from LCNB and the SBA. Visit the page
 (PPP) The Paycheck Protection Program 
Visit the page
What you need to know about receiving the US Government’s Economic Impact Payment. Visit the IRS’ information page
Questions about scheduled payments on your LCNB Credit Card. Call the phone number on the back of your credit card.
Apply for an LCNB Credit Card with introductory 0% APR* More Information / Apply Now
Investment advice during this time from LCNB Wealth Management. Read the article
Tips from the American Bankers Association on avoiding coronavirus scams and protecting your money. Read the article
Learn about available FDIC insurance on your deposits beyond the usual $250,000 limit. Deposits placed in checking, savings and money-market accounts are eligible through ICS, the Insured Cash Sweep® service, and placed in CDs through CDARS—both offered at LCNB. Call 800.344.2265
Manage your LCNB accounts through Online Banking First-time registration
Branch banking at LCNB during COVID-19 Read below


LCNB Service Update: March 23, 2020

As Ohio Governor Mike DeWine has now issued a Stay-At-Home order in the interest of protecting our state’s citizens, we want to remind you that LCNB National Bank is a “necessary business” and remains open.  Despite the restrictions, LCNB will be doing our best to safely serve you and our communities.  Please see the reminders below, presented along with some new information from LCNB to help you manage your finances during this time.


Branch Banking Availability

  • Our offices currently remain open with the usual service hours. All routine transactions are being handled through our drive-through windows.  ATMs remain available 24/7.
  • For more involved matters such as loans, in-lobby appointments with a banker can be scheduled by calling 800.344.2265.

Online & Mobile Banking

Online and Mobile Banking remains a secure, convenient and contact-free way to manage your money.

  • Check your balances, transfer funds, and make payments through both our Online and Mobile banking services.
  • If you’re not currently using LCNB Online Banking, sign up online.
  • The LCNB Mobile app can be downloaded at the App Store or Google Play. You can deposit checks into your account using the app. To register for Mobile Check Deposit, select “Deposit Check” within the app.
  • Many of LCNB’s loan offerings can be applied for through our website. Navigate to your area of interest on
  • If you have any questions about accessing LCNB’s online and mobile banking services, contact an Electronic Services representative at 800.344.2265 during normal banking hours.  More information.

Have a Loan or a Credit Card with LCNB?

We recognize that a number of you are facing hardships during the COVID-19 crisis, businesses and consumers alike. For those who have loans with LCNB, we have several programs to allow for deferrals of payments, and for low-interest loans to existing customers who have been impacted at this time. Click here for more information.  Additionally, those who have credit cards through LCNB can request a waiver of late fees by reaching out to Cardmember Service using the number on the back of your credit card.


Keeping Your Money Safe

The FDIC reminds consumers that even during a crisis, keeping your money in an FDIC-insured account is the safest option.  While we understand that you may wish to keep some cash on hand, your deposits remain secure when kept in LCNB’s checking, savings, money market, and CD accounts, up to $250,000 per depositor. For more information on the FDIC’s insurance limits, check out the FDIC’s insurance estimator.  Also, LCNB is part of a banking network that can offer insured deposits beyond the usual FDIC limit; contact your branch manager or call 800.344.2265 for more information.

Also, be aware of the increase in scams during this period.  Take extra caution when engaging with calls, texts, social media and emails that appear to be offering vaccines, diagnostic tests, or that address the shortage of goods. Always verify the identity of a person or organization requesting sensitive information before providing it!


Additional Assistance

If you have been negatively impacted by the coronavirus situation, LCNB is here to help. Our bankers and Client Care Center staff are all committed to working with our clients to reduce financial stress during this challenging and uncertain time.  Call us at 800.344.2265; we’ll listen.


For current information and advice on the health aspects of COVID-19, please visit the Ohio Department of Health website or other government sites.


Especially during this time, please remember that LCNB National Bank will never call, text, or email you to ask for your account information. We’ll never ask for your account number, your credit/debit card number, or information related to your cards, such as PIN numbers, expiration dates or CVV codes—unless you call us first. If you ever find yourself in a suspicious phone conversation or receive a questionable text or email, please call our Client Care Center (800.344.2265) to talk it over with us.


LCNB Safety & Service March 20, 2020 Update
LCNB Safety & Service March 13, 2020 Update