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NOTICE OF CHANGE IN TERMS: Effective November 7, 2024, the agreements governing depository accounts are changing. For a complete copy of the newly amended Account Agreements, please speak to a service representative at any of our branches or call 859-253-6359 with any questions.

About eStatements & Account Payments

eStatements & Account Payments is a web-based application that allows you to view statements, review information and make payments on the enrolled VISA, VISA Gold and VISA Gold Equity Line. You can see customer information, including your name and billing address. Credit card account information is also provided, including your credit limit, payment due, current transactions, and one or more credit card statements.

You need to have access to the Internet and a valid email address. Your computer must have an operating system and web browser that is supported by this service (see “What is an appropriate browser” below). When you sign up, we will ask you for your Central Bank credit card account number, your ZIP code and the last four digits of your Social Security Number. Make your entries without dashes or spaces and continue to follow the sign-up instructions on the screen to complete your enrollment. When you have completed enrollment, you will be able to view your most recent statement and make online payments to your card accounts with us.

Browser Security

Google Chrome 57 and higher
Firefox 52 and higher
Safari 10 and higher
Microsoft Edge 38 and higher
Microsoft Internet Explorer 11

To help ensure that your confidential financial information is protected in transit, we encrypt all messages between your browser and this service. Some browser versions do not support the needed levels of encryption.

Security Questions

The e-Statement service uses the following security features:

  • SSL: We use SSL (Secure Sockets Layer) that ensures your connection and information are secure.

  • Encryption: We strictly enforce 128-bit encryption security levels for users accessing this service. All users accessing this service must ensure that their web browsers are set to enable 128-bit encryption.

  • Automatic Sign Out: We automatically sign you out after 20 minutes of inactivity.

Privacy Policy

Most of the supported browsers will give you a message box stating when you are going into a secure session. Internet Explorer uses a small padlock icon on the bottom right side of the browser window. When there is a secure session in place, the padlock will appear locked. Netscape Navigator uses a key icon in the lower left corner of the screen to show security status. When the key is solid (i.e., unbroken), the session is secure. Another indication that your browser is operating in secure mode can be found in the website address. The address will begin with (http:) in standard, non-secure mode and with (https:) in secure mode. The ‘s’ in ‘https’ stands for secure.

You are responsible for not giving out personal information, bank routing information, or account information. You also must be sure that you are using an appropriate browser. Be sure to close your browser immediately after you are finished transacting your payment(s). For more details, please read Terms and Conditions.

Using the eStatements site

You can view your address and other personal information; but at this time you cannot change it on the website. To view your current billing address and other customer information, click the Customer Profile link. If you want to change any of this information, click the Contact Us link at the top of any web page, or contact Client Services toll free at 1-800-637-6884. Please have your 16-digit credit card number available when you call.

Yes, in general, current transactions that were posted to your account after the date of your most recent statement will appear on the Transactions page of your website. Once you are logged into the site, click the Account Information link to view your current transaction activity.

The system that records and stores your transaction information sends the information to this website once each day. There is a one- to two-day delay between the time the information is recorded and the time the transaction appears on this website.

The amount of your payment due is based on your total credit card balance on the date of your most recent statement. The transaction activity you view today will be included as part of your next month’s statement and payment due.

A minimum payment is the smallest monthly payment you can make and still comply with the terms and conditions of your account. Each month your account has a balance, a minimum payment will be due. Please refer to your cardholder agreement and monthly statement for details.

After successfully logging into the site, you will be on the Inbox page. Simply click on the link under the column entitled Description. The statements appear in the Inbox with the most recent statement at the top.

Statements are generated once each month on a specific cycle date. For example, if your account cycle ends on the 15th of each month, then all transactions posted on or before the 15th appear on that statement, and your new monthly statement is available for viewing within three to five days of the 15th depending on any necessary weekend or holiday processing. When your cycle date falls on a weekend or holiday, your cycle date is adjusted to the next full business processing day. In these situations, your statement may also include transactions occurring over the weekend or holiday as well as those occurring on the adjusted cycle date.

After successfully logging into the site, you will be on the Inbox page. Simply click on the link under the column entitled Description. Once the statement is viewable, click on the PDF option near the top of the page and follow the instructions given to you, which are specific to the Adobe® Reader® software set up on your PC.

We recommend you download the statement into PDF format and print it using Adobe® Reader®software. If you do not have Adobe® Reader® software installed on your PC, you can download a free copy of the software by going to Adobe.com. You may also use the print function on your web-browser, but that method may produce unsatisfactory results.

After successfully logging into the site, you will be on the Inbox page. Simply click on the link under the column entitled Description. Once the statement is viewable, click on the PDF option near the top of the page and follow the instructions given to you, which are specific to the Adobe® Reader® software set up on your PC.

We recommend that you download the statement into PDF format and save it using Adobe® Reader®software. If you do not have Adobe® Reader® software installed on your PC, you can download a free copy of the software by going to Adobe.com.

Your paper statement is generated at the same time your electronic statement is created. Once your statement has been printed, packaged, and mailed, you should receive your statement within five to seven business days after it is generated.

A maximum of 13 statements can appear at one time on the website. The number of statements that appear depends on when you enrolled.

To get copies of statements not shown on this website, click the Contact Us link on the left side. Or, you can call Client Services toll free at 1-800-637-6884. Please have your 16-digit card number available when you call. A research fee may apply.

Statements are generated once each month on a specific cycle date. During the course of a year, the cycle date of a month can fall on a weekend or on a holiday. Processing does not take place during weekends and on holidays; therefore, additional transactions taking place can appear on both the Transactions web page and on your statement. When this situation occurs, you can verify the transaction was only posted once by reviewing the reference number associated with the transaction. If the reference number for the transaction on the Transactions web page matches the reference number for the transaction on your statement, then your credit card account has only been charged for one transaction. If you are not sure whether a transaction is appearing in both places or is really a duplicate transaction, click the Contact Us link. Or, you can call Client Services toll free at 1-800-637-6884. Please have your 16-digit card number available when you call.

If you have questions or concerns about any of the transactions that appear on this website or on one of your statements, you can click the Contact Us link or you can call Client Services toll free at 1-800-637-6884. Please have your 16-digit credit card number available when you call.

No, receipts do not appear on the website. Transaction information you see on your statement and on the Transactions Web page online primarily includes merchant information such as store descriptions, addresses, telephone numbers, website addresses, and store location details.

An authorization is a temporary transaction. These temporary transactions are used to hold funds from your available credit line for a purchase, cash advance, or other credit transaction until the actual transaction is posted and debited from your available credit line. Authorizations are removed from your credit card transaction history when the actual transaction is posted to your credit card account. Posted transactions include a reference number for identification and also appear on your credit card statement. Both authorizations and posted transactions affect your available credit line.

A merchant must post a credit for a refund or return to your account within 30 calendar days of the date that you contacted the merchant and the merchant agreed to issue a credit.

Account Payment Information

Yes, simply click the Payments link. You can then select either the Pay My Statements or Pay My Accounts link.

You are responsible for not giving out your personal information, your bank account information, or bank routing information. You also must be sure that you are using an appropriate browser. Be sure to close your browser immediately after you are finished transacting your payment(s). For more details, please click Terms and Conditions.

The routing transit number can be found on the lower left-hand side of your check. The checking account number is to the right of the routing number. An illustration is provided when adding or modifying a bank account in Payment Methods.

Yes. Just click on Payment Methods to add new or modify existing bank accounts.

The Reference ID is a unique number assigned to each payment. This is a way to refer to the payment transaction should the need arise.

Not at this time. Currently, only online payments, made with a valid checking or savings account with a US Bank are accepted.

The payment status will show as “Canceled” in the far right corner of the Payment Activity box.

Reference ID

Payment Date

Account

Payment Amount

Payment Method

Status

1234567

07/03/2005

Credit Card Number

$3,284.38

Checking

***00 .***20

Canceled

The payment status will show as "Failed or Declined" in the far right corner of the Payment Activity box.

Reference ID

Payment Date

Account

Payment Amount

Payment Method

Status

567890

06/01/2005

Credit Card Number

$10.00

Checking

***0051 .***3123

Declined

Automatic Payments

The system will automatically make a payment for the New Balance of the applicable statement.

The payment will be applied every seven (7) days. If you entered the Payment Rule on a Wednesday and selected the weekly option, the payment would be applied to the credit card every Wednesday, excluding bank holidays.

The Rule ID is a unique number assigned to each Automatic Payment Rule. This is a way to refer to the Automatic Payment Rule should the need arise.

The institution where you have your checking account may choose to return the payment transaction and may also charge you a nonsufficient funds fee. If the payment transaction is returned to us, we will reverse any credit given for the payment. We will also follow the terms and conditions of your credit card account in applying the appropriate fees and finance charges, which may include a returned payment fee. You will also receive an email notice notifying you of the situation. All email notices are delivered to the email address on file. To review the email address on record, click on Account Information and then click on Contact Information.

Using My Credit Card

You can use your credit card at any merchant as long as you have sufficient available credit remaining on your card and the merchant accepts your type of credit card, for example, Visa is listed by most merchants as an accepted card.

You may use your credit card to get a cash advance from an ATM. The amount you can receive may be limited to a specific amount within a 24-hour period. This transaction will be considered a Cash Advance. Please see your credit card Terms and Conditions brochure regarding Cash Advances.

Most institutions allow you to use your credit card to get a cash advance at their local branches. The amount you can receive may be limited to a specific amount within a 24-hour period. This transaction will be considered a Cash Advance. Please see your credit card Terms and Conditions brochure regarding Cash Advances.

There are several ways to check the current balance for your credit card. On the website, you can check the balance and view your current transactions on the Transactions page. If you have questions about your balance or other account information, click the Contact Us link, or you can call Client Services toll-free at 1-800-637-6884. Please have your 16-digit credit card number available when you call.

When you use your credit card in the card reader on a gasoline pump, the card reader automatically checks with the card network to see if you have enough available credit to pay for an average purchase of gas. If the remaining credit on your credit card is not enough to pay for an average purchase, your attempt to pay at the pump will be declined. The average gas purchase amount is generally recalculated when gasoline prices change.

Your credit card is valid until the expiration date that is embossed on the front of the card. Your card is valid for two years, and a new card will be issued automatically shortly before your current card expires. You can use your old credit card until the end of the month in which it expires and then begin using your new card. Upon receipt of the new card, you should destroy the old card. You can begin using your new card immediately.

Your credit limit and your available credit line appear on each of your statements. If you have questions about your credit limit or other account information, click the Contact Us link, or you can call Client Services toll-free at 1-800-637-6884. Please have your 16-digit credit card number available when you call.

As soon as you discover your credit card is missing, call Client Services toll free at 1-800-637-6884 to report your card as lost or stolen. You can call 24 hours a day, seven days a week.

Email Notices

Email notices are sent out for two main reasons, activity on the credit card account(s) or general notifications from your Financial Institution. Email notices are sent out after a nightly process.

You could receive an email for any of the following reasons:

  • Enrollment/Association of a new account

  • Disassociation of an account

  • New statement notification

  • Payment confirmation

  • Payment failed

  • Payment canceled

  • Recurring payment failed

  • Automatic payment rule creation

  • Notice of Change

After successfully logging into the site, simply click on the Account Information link on the left side of the screen and then click on the Contact information.