What are the requirements to use the CNB iPhone Mobile Banking App?
You must currently be enrolled in CNB Online Banking AND have an iPhone, iPod Touch or iPad device with access to Wi-Fi or the 3G/EDGE networks.
What is the City National Bank Mobile Banking iPhone App?
The City National Bank Mobile Banking iPhone App is a service that enables you to access your account information, transfer funds, and pay your bills (for eligible customers) from an iPhone, iPod Touch or iPad device with Internet access from either a Wi-Fi source or the 3G/EDGE networks.
How does the City National Bank Mobile Banking iPhone App work?
First you must download our Mobile Banking iPhone App from the iTunes App Store. The App name is: City National Bank of Florida Mobile or citynational.com. You can do this either from your mobile device or computer. If you do access our App from your computer, the App will install on the mobile device the next time the device is plugged into the computer.
Once you download the App, you log in with the same user ID and password that you use for online banking. No separate or different registration is required. Once logged in, you can:
Is City National Bank Mobile Banking iPhone App currently available to all users?
The City National Bank Mobile Banking iPhone App is currently available to all online banking users with an iPhone, iPod Touch or iPad device with access to Wi-Fi or 3G/EDGE.
Is it safe to bank using the City National Bank Mobile Banking iPhone App service?
Yes. To protect your privacy, you are required to authenticate yourself on each individual mobile device using the same information from online banking. All communication between your mobile device and the mobile banking server is encrypted. In addition, your password and account information are never stored on the mobile device.
Is a password needed for the Mobile Banking iPhone App?
Yes. From your mobile device, you will need to log in to the City National Bank Mobile Banking iPhone App. This is the same as you would for online banking, using the same login information you do for online banking. No separate Mobile Banking iPhone App signup is required.
What does the 'Remember Me’ checkbox do?
Selecting the Remember Me checkbox gives the application permission to save your Username so that you do not have to enter it each time you attempt to log in. This information is masked and stored securely to keep your information safe. You will still be prompted to enter your password.
How many transactions can I see on my mobile device at a time?
When you select an account name on the Accounts tab, the last 30 days of transactions will be displayed. Scroll down to see all of your transactions. Select the View More Transactions button to view additional transactions.
How do I transfer funds?
To transfer funds, you must have more than one account in online banking. On the Transfers tab, you can enter an immediate transfer between your accounts. However, you are not able to see scheduled transfers on your mobile device nor can you change or remove a scheduled transfer this way.
Why can't I access the Pay Bills tab?
The Pay Bills tab is only enabled for users who have signed up for the bill payment feature within online banking on a personal computer and have set up one or more payees, who are people or companies you want to pay. When you are ready to make payments on your mobile device, select the Pay Bills tab to view scheduled payments and make a new payment.
Can I register for the bill payment feature from my mobile device?
Yes you can. Click the Bill Pay button and enroll there. You may have automatically registered for the bill payment feature when you signed up for online banking. If so, all you need to do is set up one or more payees, who are people or companies you want to pay, to get started. Once you’ve registered, you can make payments on your mobile device by selecting the Pay Bills tab.
How do I make a payment using my mobile device?
First, select “Make a New Payment” from the Pay Bills tab. Next, select a payee name link from the list; enter the amount of the payment and the date to send/deliver the payment. Select the Schedule Payment button. A confirmation message is then displayed, select OK to continue.
Can I see pending payments?
Yes, just select the Pay Bills tab to see a list of pending payments.
Can I remove a pending payment?
Yes, you can remove a pending payment but you cannot change it. To remove a pending payment, go to the Pay Bills tab, select the payment you want to remove and select the Cancel Payment button. Then confirm that you want to cancel the payment.
Can I see completed payments on my mobile device?
Yes. From the payee list, you can see the last payment associated with each payee.
I have disconnected my iPhone. Will my service continue to work?
For the City National Bank Mobile Banking iPhone App to work, you must currently be an online banking user with access to Wi-Fi or 3G/EDGE.
My session timed out pretty quickly, can I change the timeout value?
Ten minutes is the only timeout option. For your security and protection, when there has been no account activity for ten minutes, the session times out and the City National Bank Mobile Banking iPhone App login page displays with a Session Expired message.
How do I log out?
When you're ready to log out, select the Log Out button at the top right of the page and you will exit the City National Bank Mobile Banking iPhone App. This will return you to the Login screen.
Is help available through my mobile device?
Click the Contact Us tab to find our support phone number (305-349-5490) and email address (support@citynational.com). For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.
What is the City National Bank Of Florida Mobile Banking Android App?
The City National Bank Of Florida Mobile Banking Android App is a service that enables you to access your account information, transfer funds, and pay your bills (for eligible customers) from a smartphone with the Android operating system, and have Internet access from either a Wi-Fi source or a data network.
What are the requirements to use the City National Bank Of Florida Android Mobile Banking App?
You must currently be enrolled in City National Bank Of Florida Online Banking AND have a mobile device that uses the Android operating system with access to Wi-Fi or a data network.
How does the City National Bank Of Florida Mobile Banking Android App work?
First you must download our Mobile Banking Android App from Android Market. The App name is: City National Bank of Florida Mobile.
Once you download the App, you log in with the same user ID and password that you use for online banking. No separate or different registration is required. Once logged in, you can:
Is City National Bank Of Florida Mobile Banking Android App currently available to all users?
The City National Bank Of Florida Mobile Banking Android App is currently available to all CNB online banking users with a smartphone that uses the Android operating system with Wi-Fi or data network access.
Is it safe to bank using the City National Bank Of Florida Mobile Banking Android App service?
Yes. To protect your privacy, you are required to authenticate yourself on each individual mobile device using the same information from online banking. All communication between your mobile device and the mobile banking server is encrypted. In addition, your password and account information are never stored on the mobile device.
Is a password needed for the Mobile Banking Android App?
Yes. From your mobile device, you will need to log into the City National Bank Of Florida Mobile Banking Android App, using the same login information you use for online banking. No separate Mobile Banking Android App signup is required.
What does the 'Remember Me’ checkbox do?
Selecting the Remember Me checkbox gives the application permission to save your Username so that you do not have to enter it each time you attempt to log in. This information is masked and stored securely to keep your information safe. You will still be prompted to enter your password.
How many transactions can I see on my mobile device at a time?
When you select an account name on the Accounts tab, the last 30 days of transactions will be displayed. Scroll down to see all of your transactions. Select the View More Transactions button to view additional transactions.
How do I transfer funds?
To transfer funds, you must have more than one account in online banking. On the Transfers tab, you can enter an immediate transfer between your accounts. However, you are not able to see scheduled transfers on your mobile device nor can you change or remove a scheduled transfer this way.
Can I register for the bill payment feature from my mobile device?
Sorry, not at this time. To register for Bill Pay, simply access online banking using a personal computer, click the Bill Pay button and enroll there. You may have automatically registered for the bill payment feature when you signed up for online banking. If so, all you need to do is set up one or more payees, who are people or companies you want to pay, to get started. Once you’ve registered, you can make payments on your mobile device by selecting the Pay Bills tab.
How do I make a payment using my mobile device?
First, select “Make a New Payment” from the Pay Bills tab. Next, select a payee name link from the list; enter the amount of the payment and the date to send/deliver the payment. Select the Schedule Payment button. A confirmation message is then displayed, select OK to continue.
Can I see pending payments?
Yes, just select the Pay Bills tab to see a list of pending payments.
Can I remove a pending payment?
Yes, you can remove a pending payment but you cannot change it. To remove a pending payment, go to the Pay Bills tab, select the payment you want to remove and select the Cancel Payment button. Then confirm that you want to cancel the payment.
Can I see completed payments on my mobile device?
Yes. From the payee list, you can see the last payment associated with each payee.
I have disconnected my mobile smartphone. Will my service continue to work?
For the City National Bank Of Florida Mobile Banking Android App to work, you must currently be an online banking user with a smartphone that uses the Android operating system with access to Wi-Fi or a data network.
My session timed out pretty quickly, can I change the timeout value?
Ten minutes is the only timeout option. For your security and protection, when there has been no account activity for ten minutes, the session times out and the City National Bank Of Florida Mobile Banking Android App login page displays with a Session Expired message.
How do I log out?
When you're ready to log out, select the Log Out button at the top right of the page and you will exit the City National Bank Of Florida Mobile Banking Android App. This will return you to the Login screen.
Is help available through my mobile device?
Click here to go to the Contact Us Form. For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.
What are the requirements to use City National Bank Of Florida's Text Message Banking?
You must currently be enrolled in CNB Online Banking AND have a mobile device with text messaging capabilities enabled through your mobile provider.
How secure is Text Message Banking?
City National Bank Of Florida's Text Message Banking service will never contain confidential information about you or your accounts. Messages will never contain full account numbers.
Will I be charged for Text Message Banking?
We won’t charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages.
Will Text Message Banking work on my phone?
Yes, as long as you have text messaging-enabled with your mobile carrier. Please check with your mobile carrier if you are unsure.
Which carriers do you support?
City National Bank Of Florida’s Text Message Banking service works on all major mobile providers in the U.S., including but not limited to:
AT&T
Alltel
Cellular One Dobson
Nextel
Sprint
T-Mobile
Unicel
US Cellular
Verizon Wireless
nTelos
How do I activate the Text Message Banking service?
Log into City National Bank Of Florida's Online Banking from a personal computer and go to the Mobile Banking & Alerts tab. Select Activate and enter your phone number when prompted. To complete activation you will receive a text message containing a validation code, which will need to be entered on the activation screen. You can activate up to two mobile phone numbers at a time. In addition, within Mobile Banking & Alerts you can also select a transfer source account and schedule alerts.
Why do I need to verify my phone?
Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.
Where do I find my activation code?
During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, please check your mobile device now. You should receive a text message with your activation code within a few minutes.
Can I come back later to enter my activation code?
Yes, you can. If you experience difficulties, we recommend that you go through the setup process again and get a new code.
Does the activation code expire?
The activation code will only be good for about 15 minutes. If you are unable to validate your mobile phone number within the allotted 15 minute timeframe you will have to re-register in order to receive a new code.
I still have not received my code, what do I do?
It might take several minutes to receive your code. If you feel you have waited long enough, you can click the Resend it link. Please check your mobile device shortly for a new text message. If you are still experiencing problems, be sure you entered the correct mobile number during setup.
What is the number I should use to send the text message command/keyword?
Send your text to 454545. This will only work if you have activated the Text Message Banking Service.
What command or keyword messages can I text?
Use any of the following commands/keywords:
BAL = Primary account balance
BAL ALL = All account balances
BAL CHK = Checking account balances
BAL SAV = Savings account balances
LAST = Last 5 transactions
TRANS = Transfer funds to primary account
STOP = Deactivate service
HELP = Help on keywords
Are commands/keywords case sensitive?
No. Commands/keywords are not case sensitive. You can type “help” or “HELP.”
How long does it take to get a text message?
You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier and your current range of service.
Is a password required for Text Message Banking?
No. You don't need a password to access your account information via text message.
What is a “Primary” text banking account?
Your primary account is the default account that we will use when you text BAL to 454545. You should select the one you will likely want to check most often. You can get all account balances by texting BAL ALL to 454545.
Can I get the balances of my other accounts?
Yes. When you text BAL ALL to 454545, you will receive a reply containing the balances of all your checking, savings and any other accounts.
Can I change the primary account selection later?
Yes you can. Simply return to the Mobile Banking & Alerts page and select another account from the primary text banking account dropdown list.
Is it possible to stop the weekly account balance notifications?
Yes. Just go to the Mobile Banking & Alerts page and click the weekly account balance notifications check box to deselect this option and then save your changes.
Can I get text notifications whenever my primary account balance falls below a certain amount?
Yes. First you’ll need to go to the Mobile Banking & Alerts page, select the low balance alert checkbox and select a dollar amount from the dropdown field (current available amounts are $500, $200, $100, and $50). Thereafter, you’ll get a low balance alert text whenever your primary account balance falls below that dollar amount.
Can I transfer funds into my primary account using my phone?
Yes, but only if you have selected a “transfer source” account on the Mobile Banking & Alerts page. Then, for example, you can text TRANS 400 to 454545 to transfer $400 to your primary account from the transfer source account, and you will receive a message with updated account balances for both accounts. Please be aware that you can ONLY transfer funds to your previously selected primary account.
I share a joint account. Can I set up two phones for the same primary account?
Yes. After you set up the first number, you can select the Activate another phone link on the Mobile Banking & Alerts page and then complete the simple two-step verification process.
I have a new mobile phone number. Can I change or add my number online?
Yes. You first need to deactivate your cell phone from within the Mobile Banking & Alerts page or by texting STOP to 454545. Then click Activate on the Mobile Banking & Alerts page and set up the new cell phone number.
How do I deactivate the Text Message Banking service?
You can text STOP to 454545 on your activated cell phone, or you can access the Mobile Banking & Alerts page by logging into your Online Banking from a personal computer and clicking on the Deactivate link next to your mobile device number. A cancellation message will be sent to your mobile device and your phone will no longer receive any text messages from City National Bank Of Florida's Text Message Banking. You can add a new phone at any time if you change your mind later.
Is help available through the Text Message Banking service?
For help regarding City National Bank’s Text Message Banking Service, please text HELP to 454545 or contact client services at support@citynational.com or call 305-349-5490 (Toll Free 866-CNB-EPAY) with any questions. For help regarding your mobile device and/or text messaging capability, contact your mobile phone carrier.
What will I experience when I log in to my online banking account the first time?
You will automatically be guided through an easy three-step process:
Step 1: Sign in with your secure username and password.
Step 2: You will be prompted to enter up to two phone numbers. These numbers will be used to send you a one-time passcode via voice or text message (you choose the method). Note: You can also choose to receive your one-time passcode through email.
Step 3: You will be prompted to enter the one-time passcode you received. A confirmation message will appear, along with the option of allowing the system to remember your computer (so that you can skip this step in the future).
How do I update my username and password?
To update your username and password, go to the “My Settings” page and click on the link for “Update username” and “Update Password,” respectively. Then, create a new username and password that meet the following requirements:
Username criteria:
Password criteria:
Other items to note about passwords:
What information is contained in the automated voice call or SMS text message?
Information within an automated voice call:
“Hello, this is City National Bank. Please press pound to receive your 6-digit access code.”
**Press pound (#):**
[1.5 second pause and your unique one-time access code will be provided].
** Press pound (#) to repeat. **
Information within a SMS text message:
City National Bank Access Code. Your access code is xxxxxx. Reply HELP for help.
If I am travelling internationally, can I receive a one-time access code via SMS text or automated voice call if I access my online banking account from an unrecognized computer (or mobile device)?
You may receive the one-time access code via SMS text or automated voice call either through your international phone or a U.S.-based mobile phone as long as your U.S.-based wireless carrier and current wireless plan are supported within the country you are visiting.
How will using my phone make my account safer?
We have implemented “multifactor authentication,” which makes it more difficult for phishers and attackers to access your accounts without you knowing it. While this might seem unfamiliar, you actually use it every time you visit an ATM. When you access your account from any ATM, you need both your ATM card (sometimes that you have) and PIN (something that you know). We are implementing this same type of protection by using login credentials (username and password) and your phone to access your account. By doing this, even if a phisher or an attacker manages to steal your password and tries to use it to log in, they would be unsuccessful because they would need your phone as well.
Will I always need to use my login credentials (username and password) and my phone from now on?
The first time you attempt to log in from a new computer (or mobile device) you will need to use your log in credentials (username and password) and the access code that will be sent to your registered phone in order to log in. If you are accessing from a private computer (or mobile device) that you personally use, you can opt for the system to remember your computer (or mobile device) for future logins by clicking on “Register.” By doing this, you will no longer need to retrieve an passcode via phone; you will only need your username and password for future access to your online banking account. For the best security protection, we suggest that you always use your login credentials (username and password) and your phone. If you do opt to have your computer (or mobile device) remembered, we recommend that you do so only on devices that you personally own and that have the latest updates and virus protection software installed on them.
How about if I log in from another computer (or mobile device)?
The same process will apply each time you log into a computer (or mobile device). The first time you attempt to log in from a new computer (or mobile device) you will need to use your login credentials (username and password) and the passcode that will be sent to your registered phone in order to log in. If you are accessing from a private computer (or mobile device) that you personally use, you can opt for the system to remember your computer (or mobile device) for future logins by clicking on “Register.” By doing this, you will no longer need to retrieve an access code via phone; you will only need your username and password for future access to your online banking account. For the best security protection, we suggest that you always use your login credentials (username and password) and your phone. If you do opt to have your computer (or mobile device) remembered we recommend that you do so only on devices that you personally own and that have the latest updates and virus protection software installed on them.
I don’t have a text-capable phone. Can the verification code be emailed?
Yes, you can also choose to receive your one-time access code through email.
I am on the screen with “Text Me” and “Call Me” buttons. Why am I being asked to verify my contact information? And which one should I choose?
Our system needs to make sure at least one phone number (or email address) you entered is correct. You can select “Call Me,” “Text Me,” or “Email Me” – whichever you have access to and is most convenient at the moment is the one you should select.
Will I have to perform these login steps (username and password, and my phone) with all my accounts?
If you have one Online Banking login for all your accounts, then no, you will only be required to perform your login credentials once. But if you have separate Online Banking logins for each account then yes, you will need to go through the login credentials process for each account.
Yes, you can also choose to receive your one-time passcode through email.
I’m trying to get into Online Banking using Internet Explorer, but I’m seeing a message that my browser needs updating. Why?
For security reasons, Online Banking does not support Internet Explorer browsers below 11. You will need to follow the instructions on screen to update your browser.
What about Chrome or Firefox – do they work?
Yes, you can choose to use one of those browsers instead of upgrading Internet Explorer.
I’m being prompted to enable JavaScript and/or I’m being prompted to enable cookies. Are those safe?
Yes, those are perfectly safe, and necessary for Online Banking to function properly.
What if I still have questions about security and logging into my online banking account?
Please contact Online Banking and Bill Payment support at 305-349-5490 or 1-866-CNB-EPAY (262-3729), available 24/7.
Imagine sending a friend a letter. For us it's as simple as dropping it in a mailbox for the carrier to pick up and deliver. Now imagine that instead of just dropping it into the mailbox, you put the letter through a shredder that only you have the key to and then into the mailbox. And instead of one carrier coming to pick it up, the post office sends 100 carriers to each take a piece of your letter. They each go on their own route through all sorts of neighborhoods to your friend's house. Once there, your friend takes this pile of incomprehensible paper, puts it through a reverse shredder that only they have a key to, and out comes your letter, safe and sound.
If we sent information through the traditional manner of one letter, one carrier and one route, it would be easy for a criminal to find the truck carrying your letter and pick it out. So we use the 100-carrier method, otherwise known as RSA public-key cryptography. It's become a standard on the Internet wherever private or sensitive information is concerned. The government uses it; the financial industry uses it, and now, so can you.
Security has always been a top priority with City National Bank of Florida. It will continue to be so by adopting new technologies only after they've passed our unchanging business principles of confidentiality, flexibility, commitment and stability. To have it any other way would not only endanger your finances, but in turn, our reputation, and that is never good for business.
Are there any other securities issues I should be aware of?
There are two additional areas you should be aware of. The e-mail generated through the 'Contact Us' or Certified E-Mail feature of the website, as well as within online banking will be encrypted (scrambled so no one else can read it) automatically as long as you are using one of the certified browsers listed below. Requests and questions requiring specific information about your account should be initiated through 'Contact Us' or via 'Certified E-Mail'. You may also call City National Bank and Bill Payment support at 305-349-5490 or 1-866-CNB-EPAY (262-3729) available 24/7 or e-mail us using our Contact Us form. Initiating an e-mail to the support center using your normal e-mail program will not be encrypted or secure and should be used only for general questions and requests.
The second issue involves your browser. For added security, it is important to log off and close your browser when you have completed your transactions in City National Bank Online Banking. In addition, some browsers contain the ability to retain information in memory. Check the preferences of your browser to heighten the security or turn its memory capabilities off. Check with your browser's customer support for more information.
What is Certified E-Mail and why should I use it?
Certified E-Mail is a way for the bank to help you ensure that your communications with us is safe and secure. With this system, you create a special e-mail account with City National Bank. It is the policy of City National Bank of Florida not to request information that is confidential in nature regarding its customers or their accounts via normal email. If you receive an unsolicited email that appears to be from City National Bank of Florida that requests confidential information, we recommend that you do not respond. In such instance(s) please contact your City National Bank of Florida representative to report any such requests. With Certified E-Mail you will receive and email that tells you there is an email waiting for you in your special account email box. Only you have the username and password to that account and then you can retrieve it when you want to. Additionally, once you have read the email, you can respond to your bank representative via the same secure system.
How do I get Internet Access?
Check your local Yellow Pages under Internet Online Service providers.
What is a cookie?
A cookie is a piece of data passed to your browser. City National Bank of Florida Online Banking uses "per session" cookies inside the secure banking environment to keep track of your session data. This means that as you go through the program from page to page, the information is stored on your computer while you are on that page, and as soon as you leave that page it is deleted. Clicking the sign-off button ensures that all this information is successfully deleted from your computer.
Newer browser versions have a feature that allows you to be notified when a cookie is being added to your system. You can disable this option in the Network Preference/Protocols area.
To keep my banking information private, what recommendations do you have?
What browser do I need to be able to use Online Banking?
Supported browsers are:
While trying to go back to a previous page I received a message to enter my User ID and password. Why did this happen?
Sometimes using your browser's back button will cause you to be logged out of City National's Online Banking. For security reasons some pages are automatically expired so that you cannot return to them. By using the navigation toolbar found at the top of your City National Bank of Florida Online Banking page, you should not encounter this problem.
Why do I get a "Certificate Expired" error message when trying to access the site?
This will occur when you are using a browser older than the supported versions. To resolve the problem, upgrade your web browser to the newest version.
How can I tell if I have a secured connection to City National Bank Online Banking?
The visual indicators of a secured connection vary from browser to browser. The following is a listing of all the major browsers and their methods of indicating a secured connection. With all browsers, if https is in the address bar, the "s" means you have a secure connection.
What do I do if I receive the following message: "Server is busy or is not responding"?
Check the location box and make sure that the address was typed properly. A complete web address is in the format http://www.citynational.com, or with secure web sites, don't forget the "s": https:www.site.com. Sometimes you will receive this message when the server is busy. Try a second time to connect and the connection will go through. Maybe the server you are looking for doesn't exist, because you've typed the name incorrectly or the server is down right now. If after three attempts you still do not connect, please call the Online Banking and Bill Payment support at 305-349-5490 or 1-866-CNB-EPAY (262-3729) available 24/7 or e-mail us using our Contact Us form.
Help Sources
If you still have questions regarding your browser, we encourage you contact the company that created it. However, if you have any questions regarding City National Bank of Florida Online Banking or your accounts, contact Online Banking and Bill Payment support at 305-349-5490 or 1-866-CNB-EPAY (262-3729) available 24/7 or e-mail us using our Contact Us form.
Am I able to change my Username?
Yes, our online banking system allows you to change both your Username and/or password. Once in Online banking select My Settings to make these changes.
How long will my activity be available on City National Online Banking?
City National Bank of Florida Online Banking supports a 24 month history that begins upon registration.
What types of accounts can I see on City National Online Banking?
You are able to see all deposit accounts (checking, savings, money market and CDs) loan accounts and lines of credit.
When I try to sign on to Online Banking I receive an error message saying that I had an invalid login attempt. What happened?
It is possible that you have entered your username and/or password incorrectly. The password is case sensitive, so we recommend that you verify that your Caps Lock button is either on or off, depending on how you initially entered it, and that you have typed the password correctly. Also, when entering your username, make sure you do not include the dashes. If you still are unable to access your account information, call Online Banking and Bill Payment support at 305-349-5490 or 1-866-CNB-EPAY (262-3729) available 24/7 or e-mail us using our Contact Us form.
Why do I see a "0" in the balance column of my Account History Screen when I make a transfer or when today's transactions appear?
Balances are pending until all transactions are processed at the end of each business day. You will see updated balances the following business day. The real-time balance is reflected at the top of the screen under account balance.
How do I register for Bill Payment through City National Online Banking?
You may register for Bill Payment online by selecting the Bill Payment icon. First, you will be requested to read and accept City National Bank of Florida's authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding. After the disclosure is agreed to, you complete an online registration form. After submission, the registration form is electronically forwarded to City National Bank of Florida for review.
You will be notified via email upon completion within 1-2 business days.
When can I start using Bill Payment?
After enrolling for Bill Payment you will first receive an approval E-mail. Once your account has been enabled, you will receive an Activation E-mail indicating that you may log on to your City National Bank of Florida Online Banking session, and begin using Bill Payment.
Will Bill Pay reports be available?
Yes, you have the ability to Filter and download the report.
How are my bills actually paid?
City National Bank of Florida Online Banking transmits all your bill pay requests to our bill payment service around 9:00 p.m. CST each day, Sunday through Friday. The business day after we transmit the payment request, the bill payment service determines if your payee will accept your payment electronically or if a check needs to be sent. Once this is determined, your payment is sent and the funds are deducted from your checking account. Typically the funds are deducted from your account two business days following transmission of payment.
Be certain to review your bills carefully for the correct address. Many companies direct you to an address other than what is listed on the envelope when using alternative delivery means.
Please remember that the transmit date is not the day your payee will receive your payment. It is the day the bill payment process begins. The payment must still be processed and sent electronically or by check through the mail. City National Bank of Florida Online Banking transmits bill payments Sunday through Friday so PLAN AHEAD and remember weekends and holidays. Allow 2-3 business days for companies to receive payments sent electronically, and 5-7 business days for payments sent by check. You will see the method of payment displayed on the Payee screen the next time you log on to the program after you enter your Payee information.
What is the daily cutoff for paying bills through City National Online Banking?
Requests for payments entered prior to 7:00 p.m. CST Sunday through Friday, will be processed on the same day. Requests for all payments entered after 7:00 p.m. CST or on a non-business day, will be processed on the next business day.
Is there a dollar limit per payment sent through Online Banking?
Yes, the maximum dollar amount per payment is $9,999.99.
Can I make a payment to a government agency through Online Banking?
No, you cannot make a payment to government agencies. The following are examples of government agencies included:
City National Bank of Florida has limited ability to research any problems with a payment to a government agency due to the government's strict adherence to the Consumer Privacy Act. These payments might not be processed by the government on a timely basis without the attachment of government forms.
Can I make a payment to my Line of Credit Account through City National Online Banking?
Yes, you can make a payment to your Line of Credit through Online Banking in two ways. Keep in mind, if you make a payment within 10 days prior to your due date the funds will be applied to your scheduled payment amount. If you make a payment after your due date, the funds will be applied directly to your principal balance as long as your scheduled payment has been satisfied.
What if I need a copy of a check submitted by City National Online Banking?
Online Banking shows you both sides of a paid check! Click the check number on the Account History page.
Can I place a stop payment on a check through City National Online Banking?
Yes. You must first verify that the check was not paid. Select the stop payment button inside online banking fill in the blanks.
Can I re-order checks online?
Yes. Simply click "Online Services" on the top navigation bar on any page.
I cannot successfully send an email using the Contact Us link. Why is this?
It is likely that your browser is not configured to use this feature. Please use your normal e-mail software or service to send your message to our Contact Us form.
Please refer to the Help icon within the Bill Payment feature for additional detailed frequently asked Questions and Answers.
Is the Online Statement service free?
Yes, this product is free for all Online Banking users (Commercial and Consumer).
Will I still receive my paper statements when I register?
No. When you register for Online Statements you will no longer receive paper statements in the mail.
What if I want to receive my paper statements?
If you register for Online Statements, a copy of your paper statements will be available upon request by contacting City National Bank of Florida. However, if you want to stop receiving Online Statements and begin receiving your paper statements again, you can submit this request by clicking the "Contact Us" link.
Will my statement cycle date change?
If you are not currently on a statement cycle that releases your statements on the last business day of the month, a statement cycle change will apply to you. All Online statement users are required to be on a statement cycle that produces statements on the last business day of the month.
I registered for Online Statements but when I try to retrieve a statement, it tells me that none are available. Why?
When I click the PDF Icon to view my statements, they do not show properly and I cannot print them. What can I do to correct this?
To view and print your statements, we highly recommend that you download the latest version of Adobe Acrobat Reader, as there are printing limitations with certain versions. This software can be downloaded free of charge from our website.
For any questions or concerns regarding Online Banking and Bill Pay call us at 305-349-5490 or 1-866-CNB-EPAY (262-3729) available 24/7.
What is the City National Bank Of Florida iPad App?
The City National Bank Of Florida iPad App is a service that enables you to access your account information, transfer funds, and pay your bills (for eligible customers) from an iPad with Internet access from either a Wi-Fi source or the 3G/EDGE networks.
How does the City National Bank Of Florida iPad App work?
First you must download our iPad App from the iTunes App Store. You can do this either from your mobile device or computer. If you do access our App from your computer, the App will install on the mobile device the next time the device is plugged into the computer.
Once you download the App, you log in with the same user ID and password that you use for online banking. No separate or different registration is required. Once logged in, you can:
Is the City National Bank iPad App currently available to all users?
The City National Bank Of Florida iPad App is currently available to all online banking users with an iPad device with access to Wi-Fi or 3G/EDGE.
Is it safe to bank using the City National Bank iPad App?
Yes. To protect your privacy, you are required to authenticate yourself on each iPad using the same information from online banking. All communication between your iPad and the mobile banking server is encrypted. In addition, your password and account information are never stored on the iPad.
Is a password needed for the iPad App?
Yes. From your mobile device, you will need to log in to the City National Bank Of Florida iPad App. This is the same as you would for online banking, using the same login information you do for online banking. No separate iPad App signup is required.
What does the 'Remember Me’ checkbox do?
Selecting the Remember Me checkbox gives the application permission to save your Username so that you do not have to enter it each time you attempt to log in. This information is masked and stored securely to keep your information safe. You will still be prompted to enter your password.
How many transactions can I see on my iPad at a time?
When you select an account name on the Accounts tab, the last 30 days of transactions will be displayed. Scroll down to see all of your transactions. Select the View More Transactions button to view additional transactions.
How do I transfer funds?
To transfer funds, you must have more than one account in online banking. On the Transfers tab, you can enter an immediate transfer between your accounts. However, you are not able to see scheduled transfers on your mobile device nor can you change or remove a scheduled transfer this way.
Why can't I access the Pay Bills tab?
The Pay Bills tab is only enabled for users who have signed up for the bill payment feature within online banking on a personal computer and have set up one or more payees, who are people or companies you want to pay. When you are ready to make payments on your iPad, select the Pay Bills tab to view scheduled payments and make a new payment.
Can I register for the bill payment feature from my iPad?
Sorry, not at this time. To register for Bill Pay, simply access online banking using a personal computer, click the Bill Pay button and enroll there. You may have automatically registered for the bill payment feature when you signed up for online banking. If so, all you need to do is set up one or more payees, who are people or companies you want to pay, to get started. Once you’ve registered, you can make payments on your mobile device by selecting the Pay Bills tab.
How do I make a payment using my iPad?
First, select “Make a New Payment” from the Pay Bills tab. Next, select a payee name link from the list; enter the amount of the payment and the date to send/deliver the payment. Select the Schedule Payment button. A confirmation message is then displayed, select OK to continue.
Can I see pending payments?
Yes, just select the Pay Bills tab to see a list of pending payments.
Can I remove a pending payment?
Yes, you can remove a pending payment but you cannot change it. To remove a pending payment, go to the Pay Bills tab, select the payment you want to remove and select the Cancel Payment button. Then confirm that you want to cancel the payment.
Can I see completed payments on my iPad?
Yes. From the payee list, you can see the last payment associated with each payee.
I have disconnected my iPad. Will my service continue to work?
For the City National Bank Of Florida iPad App to work, you must currently be an online banking user with access to Wi-Fi or 3G/EDGE.
My session timed out pretty quickly, can I change the timeout value?
Ten minutes is the only timeout option. For your security and protection, when there has been no account activity for ten minutes, the session times out and the City National Bank Of Florida iPad App login page displays with a Session Expired message.
How do I log out?
When you're ready to log out, select the Log Out button at the top right of the page and you will exit the City National Bank Of Florida iPad App. This will return you to the Login screen.
Is help available through my iPad?
Click here to go to the Contact Us Form. For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.
Lock your cards with the swipe of a button and instantly set the terms for when and where your cards are used. You can:
If you have a question that is not answered below, please feel free to contact us at 1-888-682-5932 or 305-448-6500.
Which cards can I control using Card Alerts?
You can control any debit or credit cards associated with your Elevations accounts. In Card Alerts, all cards associated with an account will be listed separately, including joint account holders’ and authorized users’ cards. The card will be designated by its last 4 digits, and you may set alerts and decline parameters for each card individually. You will not see Card Alerts for health savings accounts or business banking accounts.
How quickly can I see a new card in Card Alerts?
A newly issued card will be visible by the following business day.
What is Card Status and what happens if I turn a card ON or OFF?
Card Status allows you to select whether or not a card is allowed to transact. All cards are defaulted to an ON status, meaning transactions are allowed. Please note that you may still set up individual blocks for certain transactions while the card is ON.
When you turn the card to the OFF status, all attempted transactions will be declined. Please note that recurring transactions that have been previously set up and authorized will not be blocked even if the card is in an OFF status.
What transactions can I set up to be blocked or declined?
You can block all transactions, with the exception of recurring payments, by changing the Card Status to OFF.
Within the “Set declines and alerts” menu, you can block the following transactions for a specific card:
You may also use the "Receive alerts for" drop-down menu at the top of the screen to specify when you will receive alerts. Note that selecting one of these options will override any notification settings you have specified under a specific transaction type. You can choose one of the following options:
How can I receive alerts?
You can receive transaction alerts by text, email, push notification or a combination of these. Note that push notification set up is only available through our mobile banking app and not within our online banking website. You must have the Elevations mobile app installed in order to see the push notification set-up option and to receive them.
Where do I specify the types of alerts I want?
Under Alert Delivery Options for a specific card, you will see the cell phone numbers and email addresses available for alerts on your account. To enable one, simply select ON for that delivery option.
What if I want to add or change my phone number or email address?
The contact information used for Card Alerts is pulled from the “Alerts and Notifications” setting within online banking. In order to receive text alerts, you must have a cell phone number enrolled in “Alerts and Notifications.”
You can add contact information or make changes within “Alerts and Notifications,” and those will then populate into the “Alert Delivery Options” you see in Card Alerts. When information is added or changed within Alerts and Notifications, the changes will populate into the “Alert Delivery Options” you see in Card Alerts.
What transactions give me alerts?
Within the “Set declines and alerts” menu, you can request alerts for the following transactions for a specific card:
Note that you will receive alerts for transactions that both debit and credit your account, such as a return.
How quickly will I receive alerts on transactions?
Generally, text and email alerts are received less than a minute from the authorization of a transaction. However, that timing may be impacted by your individual carrier and the coverage you have at the time.
Are there fees to set up declines or receive alerts?
City National of Florida does not charge for the use of the Card Alerts feature. However, message and data rates may apply to messages you receive per your carrier plan.
How quickly do updates in Card Alerts go into effect?
Changes you make to the Card Alerts settings are real time.
Can I set or change limits for all my cards at once?
You must select decline and alert settings, as well as delivery options, for each card individually.
What happens to my Card Alert settings when I receive a reissued card?
If you receive a reissued card in which your card number has not changed, then your Card Alert settings will not need to be updated. If you receive a new card number, you will need to visit the Card Alerts feature and set parameters for that new card.
What happens if my card is lost or stolen?
If one of your cards is lost or stolen, please contact us at 800-762-2489 outside the U.S. and Canada 856-470-1000 to report the card as missing and request a new one. Once you receive your new card you will need to go into the Card Alerts tool and manage your settings for the new card. The Card Alerts tool does not close a compromised card.
What are the requirements to use City National Bank Of Florida’s Mobile Web Banking?
You must currently be enrolled in City National Bank Of Florida (CNB) Online Banking and have a mobile device that has Web browsing capabilities, an active data plan and/or Wi-Fi access.
What is Mobile Web Banking?
A service that enables you to access your account information, conduct transfers, and pay and manage your Bill Payments from any mobile device that has Web browsing capabilities and active data plan.
What does Mobile Web Banking cost?
Mobile Web Banking from City National Bank is FREE, but you are required to subscribe to a data plan through your wireless provider. You should check with your wireless provider if you aren’t sure whether additional fees might apply.
Is Mobile Web Banking currently available to all users?
Mobile Web Banking is available to all users that own mobile devices with Web browsing capabilities and that subscribe to a data plan through their wireless carrier.
Will Mobile Web Banking work on my mobile phone?
Mobile Web Banking will work on any mobile device with Web browsing capabilities and an active data plan through a wireless carrier. If you can access the Internet on your mobile phone, then Mobile Web Banking should work on your phone.
Which mobile service providers support this service?
The service works on all major mobile providers in the U.S., including but not limited to:
Alltel
AT&T
Cellular One (Dobson)
Nextel
Sprint
T-Mobile
US Cellular
Verizon Wireless
Virgin Mobile
How does Mobile Web Banking work?
From a mobile device with Web browsing capabilities and an active data plan, all you have to do to access the mobile banking home page is open a browser and enter City National Bank’s web address (www.citynationalcm.com).
Enter your user ID and password – the same you use for Online Banking – and select the Log In button. No separate or different registration is required. Answer any additional security questions then select the Continue button to access Mobile Web Banking.
Once logged in, you can:
What other options are available on the log in page?
You will see links on how to Contact Us, how to find branch and ATM Locations, and the ability to go to our Full Site.
How many transactions can I see on my phone at a time?
When you select an account on the Accounts tab, up to 15 transactions display for the last 10 days use the vertical scroll bar to see all of your transactions. If more than 15 transactions occurred during that time period, select the More History button to view the rest of your transactions.
Can I see transactions for a different time period?
Yes, just use the Change Date Range 'to' and 'from' fields entering the date as mmddyyyy with no punctuation, then select the Go button to get the transactions.
Can I change accounts on the Transaction History page?
Yes, just locate the dropdown field below the Change Date Range fields, and then select another account from the list. The display will refresh to show recent transactions for the new account.
Where can I locate the transaction details?
Within the Transaction History page, just click the payee name (e.g., Target) to see the transaction details, including: Date, Amount, Type of Transaction, Reference #, Store name and ID.
How do I transfer funds?
On the Transfer tab you can enter an immediate transfer between your accounts using the Transfer Now feature. Or to schedule a future transfer, use the Schedule Transfer link.
Can I see scheduled transfers on my phone?
Yes, just select the View Scheduled Transfers link on the Transfer tab to see up to 10 transfers scheduled over the next 30 days. If you have more than 10 transfers scheduled, just select the View More button.
Can I change or remove a scheduled transfer?
Yes you can do both. On the Schedule Transfer page scroll down and use the Edit Scheduled Transfer link to change the Amount, From Account, To Account or Date for any future dated one-time transfer. Or you can use the Delete Scheduled Transfer link to remove a future dated one-time transfer.
Why can't I access the Bill Pay tab?
The Bill Pay tab is only enabled for users that have signed up for Bill Pay within the Online Banking application on a personal computer and have set up one or more payees, who are people or companies you want to pay. When you are ready to make payments on your phone, selecting the Bill Pay tab will open the Make a Payment page.
Can I register for Bill Pay on my phone?
Sorry, not at this time. To register for Bill Pay, you have to access Online Banking using a personal computer, find the Bill Pay enrollment tab and sign up there. More than likely, you already registered for Bill Pay when you signed up for Online Banking. If so, all you need to do is set up one or more payees, who are people or companies you want to pay, to get started.
How do I make a payment using my phone?
Select the Bill Pay tab and review the Pay from account (to change it, select another account from the dropdown field and select the Change button). Then select a payee name link from the list and enter the Amount of the payment and the date (as mmddyyyy) to send / deliver the payment. Then select the Pay button. A confirmation message is then displayed, select OK (or Submit) to continue.
I see pending payments?
Yes, just select the Pending Payments link on the Make a Payment page to see up to 10 pending payments closest to today's date. Use the vertical scroll bar to view all 10 payments or select the View More button to see additional payments.
Can I remove a pending payment?
Yes, on the Pending Payments page scroll to the payment you want to remove and select the Cancel link. Then confirm that you want to delete the payment.
Can I change a pending payment?
Yes, on the Pending Payments page scroll to the payment you want to change and select the Details link. On the Payment Details page select the Edit button. Then change the Amount, Payment Date, Pay From Account or Payment Category as needed and save your changes.
Can I see completed payments on my phone?
Yes, just select the Payment History button on the Make a Payment page. You will see the most recent 10 payments that have been made. Use the More History button to see additional payments, a maximum of 90 days in the past. The details provided include the payee name, payment date, amount and from account.
How do I log out?
Select the Log Out button at the top right of the page to exit Mobile Web Banking and return to the Log-in screen.
Are my challenge question answers case-sensitive?
No, your challenge answers are not case-sensitive (e.g., “Pine” is the same as “pine”). However, they must be in the same format that was originally used (e.g., “1/2/10” is not the same as “01/02/2010” or “Jan 2, 2010”). Try to select answers that only you know and ones that you should be able to remember.
Is a password needed for Mobile Web Banking?
Yes. From your mobile device, all you need to do is log in to Mobile Web Banking the same as you would access Online Banking from your personal computer; using the same login information you do for Online Banking. No separate Mobile Web Banking signup is required.
I have disconnected my mobile phone. Will my service continue to work?
For Mobile Web Banking to work you must have a mobile device with Web browsing capabilities and active data plan through a wireless carrier.
I have a new mobile device and phone number. Will Mobile Web Banking work on it?
Yes. You can access Mobile Web Banking from any of your mobile devices, as long as the mobile device has Web browsing capabilities and active data plan through a wireless carrier.
Is it safe to bank using the Mobile Web Banking service?
Yes. To protect your privacy, you are required to authenticate yourself, using the same information from Online Banking, on each individual mobile device. And all communication between your mobile device, wireless provider and the mobile banking server are encrypted. In addition, your passwords, answers to challenge questions and account information are never stored by the mobile device or in the Mobile Web Banking application.
What does the 'Remember this phone' checkbox do?
Selecting the Remember this phone checkbox activates extra security for your phone so you don’t have to enter the security challenge questions when accessing Mobile Web Banking using that phone. You also have the option to Remove extra security from this phone, if needed, once you’ve logged into Mobile Web Banking.
My session timed out pretty quickly, can I change the timeout value?
Five minutes is the only timeout option. For your security and protection, when there has been no account activity for five minutes, the session will time out and display the Mobile Web Banking Log-in page with a Session Expired message.
Is help available through my mobile device?
For help regarding City National Bank’s Mobile Web Banking product, please contact client services at support@citynational.com or call 305-349-5490 (Toll Free 866-CNB-EPAY) with any questions. For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.
Payroll costs consist of compensation to employees (whose principal place of residence is the United States) in the form of salary, wages, commissions, or similar compensation; cash tips or the equivalent (based on employer records of past tips or, in the absence of such records, a reasonable, good-faith employer estimate of such tips); payment for vacation, parental, family, medical, or sick leave; allowance for separation or dismissal; payment for the provision of employee benefits consisting of group health care coverage, including insurance premiums, and retirement; payment of state and local taxes assessed on compensation of employees; and for an independent contractor or sole proprietor, wage, commissions, income, or net earnings from self-employment or similar compensation.
Yes. The Act expressly excludes the following:
What is the Main Street Lending Program?
As part of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) Congress passed in April, the program was created to help businesses access credit during this period of economic uncertainty. The access to additional credit is intended to help businesses maintain operations and payroll until economic conditions stabilize.
How long will the main Street Lending Program be available?
The program will be available until September 30, 2020.
What is the differences between the Main Street Lending Program and the Payroll Protection Program?
Similar to the Payroll Protection Program (PPP), The Main Street Lending program was created to assist companies that have been affected by the COVID-19 pandemic.
The PPP was implemented by the Small Business Administration (SBA) to provide short-term support for the payroll and operations of small businesses through government-guaranteed loans, and included a forgiveness option.
The Main Street Lending Program was designed by The Federal Reserve for longer-term support for small and medium-sized businesses that were unable to access a PPP loan or require additional financial support after receiving a PPP loan.
What businesses are eligible to apply?
To qualify, businesses must have fewer than 15,000 employees or a 2019 annual revenue less than $5 billion.
Businesses must have been created or organized in the United States, with significant operations in the United States and a majority of employees based in the United States.
What businesses are ineligible?
There are certain types of businesses that are deemed ineligible to participate, per SBA guidance. Click here for a list of ineligible business types for SBA loans.
Are non-profit organizations eligible to borrow under the program?
No. However, the federal government has indicated this might change when it evaluates the eligibility criteria and loan eligibility metrics of the program.
I received a PPP loan, do I qualify for the Main Street Lending Program?
Yes. Main Street Lending Program loans are available to those who received a PPP loan.
How can I apply?
City National bank is here to help. Speak to your relationship manager, call XXX-XXX-XXXX, or visit citynational.com.
Are Main Street Lending Program loans forgivable?
No. Main Street loans are full-recourse loans and are not forgivable. The principal amount of a Main Street loan cannot be reduced through loan forgiveness.
Can the proceeds form a Main Street loan be used to payoff or restructure existing debt?
No. Businesses cannot use the funds to refinance existing debt, repay other debt of equal or lower priority or ask for committed lines to be canceled or reduced. This program is designed to deliver incremental capital to business impacted by COVID-19. Borrowers must commit to make reasonable efforts to maintain payroll and retain workers and will be subject to CARES Act restrictions on executive compensation, stock repurchases, and dividends.
Can the proceeds be used to pay scheduled interest and principal payments on existing debt?
Yes, the proceeds may be used for mandatory payments on scheduled debt.
What are the available loan amounts?
The amount of the secured or unsecured loan can be a minimum of $500,000 and a maximum based on the particular loan facility:
To view the term sheets published by the Federal Reserve for the MSNLF, MSPLF and MSELF click here.
What is EBITDA?
EBITDA stands for earnings before interest, taxes, depreciation, and amortization, and measures the business’ overall financial performance.
What are the repayment terms of the loans?
Businesses will have 4 years to repay, with the first year principal and interest payments deferred. Unpaid interest will be capitalized.
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