Safety and Service

Helpful Services to Guide You
Through COVID-19
For More Information
Information on Stimulus Payments being made to individuals in January, 2021
Read LCNB's update from Jan. 4, or the IRS's Frequently Asked Questions, dated Jan. 5. 
Loan Relief Through LCNB
Online Portal for LCNB's PPP borrowers containing the Forgiveness Application.   https://pppforgiveness.lcnb.com/
Information about applying for the PPP program announced in Dec. 2020. lcnb.com/ppp
Questions about scheduled payments on your LCNB Credit Card.
Call the phone number on the back of your credit card.
Inquire about low-interest loans or about deferring payments on current mortgages, auto, or other personal or business loans.  Visit our request form
Banking Resources at LCNB
Branch banking at LCNB during COVID-19
Branches are operating on a Drive-Thru Only basis from 11/23/20 through 1/31/21.  In-lobby meetings available by appointment only; call 800.344.2265 to schedule.
Current Status of each LCNB branch
(Above page is updated daily, in case of branches closing for a day or two for cleaning.  Please check this page prior to visiting your branch.)
Manage your LCNB accounts through Online Banking First-time registration
Apply for an LCNB Credit Card with introductory 0% APR* More Information / Apply Now
Need to open up a new checking or savings account?  Try our new user-friendly online application process. Visit Online Account Opening
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
Financial Advice from LCNB Wealth Management
Investment advice during this turbulent time in the markets. Read the article
The impact of the CARES Act on financial planning. Read the article
Government / Third Party Resources
Helpful resources and a Q&A from the Ohio Office of Small Business Relief Visit the OSBR’s page
Tips from the American Bankers Association on avoiding coronavirus-related scams and protecting your money. Read the article

LCNB Service Update

Branch Banking Availability

  • Our offices are offering only drive-through services from Nov. 23 through Jan. 31, though in-branch meetings are available by prior appointment.  Call 800.344.2265 to schedule.  Before visiting a branch, you can confirm its status by visiting this web page, which is updated daily.  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 LCNB.com.
  • 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.

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, 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! With the release of the COVID-19 vaccine rolling out it is important to stay aware of the possible scams coming with it. Click here to learn about some of the possible scams to look out for. 


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.