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PowerPay & Expedited Pay

PowerPay is a valuable option within e-Banking. With this feature, you can use your checking account to pay your bills through the Internet.

  • Select payees from your database or create a new payee.
  • Choose to pay the same amount each time on a recurring schedule.
  • Pay a different amount each time on the date you choose.
  • View and edit your payment schedule at any time.
  • View, search and print your payment history.

Enjoy the benefits:

  • PowerPay saves you time. No more monthly hassle of writing checks and preparing bills.
  • PowerPay saves you money. No more stamps or envelopes.
  • PowerPay Expedited Payments enables the bank to generate a PowerPay Check Payment on your behalf. This type of payment will be processed immediately right through 7PM (EST) and will be delivered to the intended Payee via FedEx Overnight delivery on the next business day.
  • PowerPay is secure and convenient.

PowerPay Cost:

  • Now when you use PowerPay, not only will you save on stamps, envelopes and checks, but we will waive the monthly PowerPay fee. Just pay one bill per month, and we will not charge you for this service. If no bills are paid during the cycle, then the normal $5 PowerPay fee will apply. So use it and save.
  • When you use PowerPay Expedited Payment, a FedEx delivery fee of $19.95 for each Expedited Payment is applicable.

To start paying your bills online, please visit one of our convenient office locations to enroll. Or simply apply online. Test drive PowerPay using our online demo.



How does CNB’s PowerPay feature work?

PowerPay allows you to pay all of your bills while on the Internet. You can set up future and repeat payments as well as check the status of your payments. You may pay as many bills a month online as you want.
Payments are made electronically whenever possible. If the merchant you are paying does not accept electronic payments, a paper check is automatically prepared and mailed to them.

Who can I pay through PowerPay
You can pay ANYONE in the United States from the next door neighbor, to the utility company, to the bank, and even a child in college across the country.
When are my payments processed?
Payments are collected twice per day Monday – Friday at 3AM and 1PM. Payments established after 1PM EST will be processed on next business day. Payments scheduled to pay on the weekend or holiday will be processed the business day prior.
When and how will the funds be taken out of my account?
Electronic payments processed prior to 1PM (EST) will be debited same day. Check payments will be debited as the check clears.
What if I change my mind about a payment?
You may add, edit or delete payments within the file collection process. Scheduled payments can be adjusted the day before the scheduled payment.
Changing a payment amount on the payment date will delete future payments but it may not delete the payment in process.
What if I do not have enough funds in my account to cover a payment made online?

Do not request a payment with PowerPay. If there are returned PowerPay transactions, it may cause your PowerPay service to be cancelled.

What happens if a scheduled a payment falls on a weekend or holiday?
Payments scheduled to pay on the weekend or holiday will be processed the business day prior to the weekend or holiday.
How far in advance can a payment be set up?
Currently, a recurring scheduled payment can be set up in advance to any date in the future. A one time payment can be set up to be sent 5 years in the future.
Are there any payees that I cannot pay through the PowerPay service?
You can pay ANYONE in the United States.
How long does it take a payment to reach the payee?

ELECTRONIC: allow 3 to 4 business days from when the payment is submitted.

CHECK: we guarantee that the check will be in the mail on the same day the payment is submitted, if it is entered before 1:PM (EST). (This is the same as if you wrote the check out of your checkbook, and put it in the mail on the same day). The only difference is that it will be printed and mailed from Myriad Systems Inc. Oklahoma City, Oklahoma. Allow 5 to 7 business days for a check payment. (Just a note – we have no control over the U.S. Postal Service).

How are payments approved for processing?
Electronic payments are validated against the account balance prior to processing, and check payments settle against the account like any other check. The payment is limited by the amount of funds in his account.
What will happen if I do not have sufficient funds for a payment?

ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account is debited for the payment. If the funds are not available during the 3AM processing, we will try again at 1PM (EST). If the funds remain unavailable, you will receive a message that the payment could not be processed due to insufficient funds. The payment will continue to be attempted until either there are adequate funds to let it go through or you delete the payment.

CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.

Are there minimum or maximum payment amounts?
There are maximum character limits for payments:
Electronically payments can not exceed $500,000.
Check payments can not exceed $9,999,999.99.
How many payees am I able to set up?
There is no limit to the number of payees.
Can I use PowerPay if I live outside the U.S.?
Yes, as long as your checking account is with us and the payments you intend to make are within the U.S.
How long after signing up can I begin using PowerPay?
Do I need an ID and PIN to use PowerPay?
No. We will link your access from the e-Banking menu, enabling you to sign onto both e-Banking and PowerPay with just one ID and PIN.
How long will payment history be viewable online?
Payment history for active and deleted payees is viewable for 18 months.
Who do I call if I need to check on payment I made, to stop a PowerPay payment or to get a photocopy of a check?

After the check is printed and mailed, the payment history will show the check number for that payment. Processed PowerPay checks will be accessible under your e-Banking transactions. To place a stop payment on a PowerPay check, call Customer Service 860-928-7921 during regular banking hours or contact us by email at

Please refer to our Fee Schedule for fees associated with stop payment services

How do I know if my payee will receive an electronic or check payment?
After adding the payee to your data base, select the PAYEE tab. You will see a field that will show whether that payment is set up to be electronic or check form.
Can an electronic payment be deleted once it has been submitted?
No. Once the payment is submitted, it will be processed. Contact the payee for a refund.
How will the PowerPay check look to my payee?
All checks issued through PowerPay are encoded just as if they were a check from your own checkbook. The signature line on the check is usually printed as ‘Signature on File’, or ‘As Authorized by Accountholder’. The checks are printed and mailed from Myriad Systems Inc. in Oklahoma City, Oklahoma.
What should I do if the mailing address on my bill changes?
Electronic Payees addresses cannot be edited, they must be deleted and re-entered. To edit check payees, go to Payee Listing and Edit to make changes. Please note you can not delete or edit a payee if there is a scheduled payment pending. The scheduled payment must be deleted prior to editing or deleting the payee.
Can I have multiple payments to the same payee on the same day?


What are my choices for scheduling payments?
  • One time = Payment, without recurrence of the effective date you have selected.
  • Weekly = Payment will recur weekly of the effective date you have selected.
  • Bi-Weekly = Payment will recur bi-weekly of the effective date you have selected.
  • Semi Monthly = Payment will recur on two effective dates selected.
  • Monthly = Payment will recur monthly of the effective date you have selected.
  • Quarterly = Payment will begin on a selected month and day in the current year and recur quarterly (every three months).
  • Semi-Annually = Payment will begin on a selected month and day in the current year, with one recurrence
  • Annually = Payment will begin on a selected month and day in the current year, without recurrence.
Will a payee be able to view the memo I list on the payment?
Check payments will reflect a memo field, electronic payments will not.



At The Citizens National Bank the protection of your personal information and account information is just as important to us as it is to you. The security of your information relies on both our ability to offer banking services to you in a secure manner, as well as your responsibility for keeping User Identification Names (User ID's), Personal Identification Numbers (PIN's), answers to your personal challenge questions secure, updating and performing regular scans of your antivirus and antispyware programs on your home computer. To assist us in offering these Web-based banking services in a secure manner, we employ a number of measures, which are identified below. These measures allow us to properly authenticate your identity when you access these services and to protect your information as it travels the Internet between your personal computer (PC) and The Citizens National Bank.

Our e-Banking and PowerPay security measures include:

  • A requirement for each user to privately maintain a combination of a User ID and a 8 -25 character (alpha & numeric) PIN.
  • A user-selected watermark that appears after you enter your User ID. This watermark assures that you are signing onto The Citizens National Bank’s website and not an imposter site.
  • The option to change your PIN at any time.
  • A risk-based authentication system to verify your identity and authorize transactions. Our multi-factor authentication solution improves our ability to verify your identity when you access Online Banking. You simply select three challenge questions and supply answers that only you know. When additional security is needed, we'll prompt you with two of your three questions. We may do this if you forget your password or if you sign in from a computer that we do not recognize (for example, if you sign in from a computer at work, we'll ask you a security question to verify that it's really you).
  • Perform regular monitoring and maintenance of the risk-based authentication cases within the system.
  • An automatic logoff feature which will end your session if it remains inactive.
  • An automatic lockout feature will disable your e-Banking ID if the PIN is entered incorrectly multiple times.
  • The use of account pseudo names will be assigned to eliminate any need for your account numbers to appear online.
  • A requirement that you utilize a secure browser that supports 128-bit encryption. View Supported Browsers.           
  • The use of secure servers. This security is evident by the "https" that will appear in the URL (as opposed to "http" which appears for normal web pages). If you are using Internet Explorer or Netscape Navigator you will see a locked padlock at the bottom right of your browser window when browsing secure websites.
  • The use of a firewall which isolates our server from the Internet and limits access that outside computers have to The Citizens National Bank’s server.
  • Secure email communication with The Citizens National Bank through e-Banking.


While we have instituted numerous security measures, you also play a role in protecting your confidential account information. There are a number of steps that you can take to ensure that your information remains protected, including:

  • Don't reveal your User ID, your PIN or the answers to your personal verification questions to anyone. This information is designed to protect your account information, but it can only be effective if it is kept private.
  • Select an unusual watermark and watch for its appearance after you enter your User ID. If you do not see the watermark you selected, you should not enter your PIN and you should call our Internet Banking department immediately (860-928-7921).
  • Remember that we will never contact you via e-mail asking you to furnish your PIN, social security number, mother's maiden name or any other confidential information. There are no pop-up windows on our website that request such information. If you receive such a request it is not legitimate; please contact our Internet Banking department immediately (860-928-7921).
  • Use care when selecting your PIN. Don't select PINs that can be easily guessed. Don't select a PIN that is so complex that you have to write it down.
  • Do not use the same or similar PIN for online banking as you use on social networking sites such as, My Space, Facebook or Twitter.
  • Do not use the same or similar PIN for online banking as you use on shopping sites such as Amazon, eBay, Craigs List etc...
  • Change your PIN periodically.
  • Don't leave your computer unattended while you're logged on.
  • When you have finished your e-Banking session, you should log off before visiting other Internet sites.
  • Do not change the pseudo names for your accounts to their numeric account numbers.
  • Do not click on links within emails you are not familiar with.
  • Scrutinize your emails. If you are not familiar with the sender, do not open the email.
  • Do not open unsolicited requests. Simply delete it.
  • Enlist the use of spam detection and/or pop up blocking on your computer.
  • Do not fall prey to telephone scams asking you to disclose personal information such as account number, social security number, ATM or Debit Card number, mother’s maiden name, date of birth etc… Hang up the phone and call The Citizens National Bank (860-928-7921) to report the inquiry.
  • Only access your personal financial information from a computer you "trust." Publicly accessible computers are not as secure as your personal computer.
  • Strengthen the defenses on your PC by using and regularly updating personal firewall, virus scanning and anti-spyware software. These programs will reduce the risks that your PC will be vulnerable to penetration. These programs are designed to help protect your confidential information from interception and unauthorized disclosure.
  • Do not log into e-Banking if you suspect a virus or spyware has infected your PC.
  • Keep your browser updated. The newest versions have the latest safety features.
  • Stay up-to-date on Internet threats. The Federal Trade Commission (“FTC”) maintains a consumer education website called “OnguardOnline” that provides practical tips to help you be on guard against Internet fraud, secure your computer, and protect your personal information. Go to the Federal Trade Commission for more information.

If you notice any suspicious or unusual activity in your accounts, or if you suspect unauthorized access to your accounts, contact us immediately at 860-928-7921 or toll free at 888-928-7921.