Welcome to our Digital Banking Information Page

Scroll through the topics below, or click one of the links below to navigate directly to a topic:

Getting Started

From a Desktop or Laptop Computer:
  1. Select the blue login tab in the menu bar of our website
  2. The drop down will say Digital Banking Login for both logging in as a consumer or a business
  3. Enter your current username and password
  4. You will be presented with a Secure Access Code (SAC) screen, asking you to choose the delivery method for your one-time use SAC.  If you are unable to access any of the contact methods listed, please contact us to have your contact information updated in our system.
  5. If this is your first time logging in, you will be asked to establish your new login credentials.  You may use your old password if it meets the new security requirements listed.
  6. You will be given a choice to have our system remember your device.  If you select "Register Device," you will not be asked to enter a SAC code for future login from that device (new device logins will still require an SAC code).  We do not recommend this on a public computer or shared device.
  7. Start banking!

From a Mobile Device or Tablet:
  1. Download the new CNB St. Louis Bank app from your app store

    Apple App Store Badge Google Play Badge

  2. The old apps have different icon that our new, upgraded app, so be sure your app is updated by verifying you have the correct icon:
    Photo of the old mobile app icons next to a photo of the new mobile app icon

  3. Enter your current username and password
  4. You will be presented with a Secure Access Code (SAC) screen, asking you to choose the delivery method for your one-time use SAC.  If you are unable to access any of the contact methods listed, please contact us to have your contact information updated in our system.
  5. If this is your first time logging in, you will be asked to establish your new login credentials.  You may use your old password if it meets the new security requirements listed.
  6. You will be given a choice to have our system remember your device.  If you select "Register Device," you will not be asked to enter a SAC code for future login from that device (new device logins will still require an SAC code).  We do not recommend this on a public computer or shared device.
  7. Start banking!
Please call us at (314) 645-0666 to obtain your Login ID.
Yes!  If your old password meets the password policy requirements which are as follows:
  • Must be between 8 and 16 characters
  • Must contain at least 1 number
  • Must contain a minimum of 1 lower case character
  • Must contain a minimum of 1 upper case character
  • May not contain the following characters: < > &
Secure Access Codes (SAC) are one time codes that are delivered to you to help us securely identify you. By providing a Secure Access Code to the phone number and/or mobile number that you submitted when you opened your account, you are better protected. Choose any one of the listed methods for your SAC delivery - as long as one of the contact methods on the screen is accurate and you can access it, you will be able to successfully utilize SAC.

Once you are logged into Digital Banking, you can edit your Secure Access Code delivery channels by clicking:
  1. Settings
  2. Security Preferences
  3. Secure Delivery
The SAC process is required each time you log in to Digital Banking on a different device for the first time. So, the first log in on a desktop computer and the first log in on your mobile device both require a SAC. 

It is up to you whether to register your device or not, but here are the things to consider before making your decision:

  • Registering your device means you will not need to input a secure access code each time you log in.  
  • The SAC process is required each time you log into Digital Banking on a different device for the first time. So, the first log in on a desktop computer and the first log in on your mobile device both require a SAC.
  • Do not register a device to your account if you are using a public computer or someone else's device.
  • If you lose a device that you have previously registered, please contact us at (314) 645-0666 to remove the device registration.
  • If you need to remove a device registration for any reason, please call us at 314-645-0666, and we can take care of that for you.
SAC codes are typically delivered within a few minutes.  If you still cannot find it, please contact us at (314) 645-0666 and we can help you.

It's easy to reset your password with Digital Banking.

  1. Click on Forgot Password (see screenshots below for where to find this)
  2. Enter Your Login ID
  3. Click Submit
  4. Select Your Secure Access Code Target
  5. Enter Your Secure Access Code (from your text or call)
  6. Click Submit
  7. Enter A New Password
  8. Click Submit
image of a computer screen showing digital banking login with an arrow pointing out the forgot password link
Image of a mobile phone on the login screen for digital banking with an arrow pointing out the forgot password link



Move Money

Paying bills electronically is a fast and efficient way to manage your monthly expenses.  Here's how!
  1. From the main menu choose Move Money
  2. Pay Bills
  3. Here, in the Quick Bill Pay screen you can add payees and schedule payments
  4. For more features and functionality, click the button to "Go to the Full Bill Pay Site"

Pro Tip:  Looking for more bill pay features?  The upgraded system placed the most commonly used features front and center.  All of the advanced functions you may be familiar with, such as setting up auto-pays, viewing eBills, nicknaming payments, and viewing account number information are still available by clicking the “Go to the Full Bill Pay Site” button on the Pay Bills screen.

If you want to deposit a check electronically, start by logging into Digital Banking with your iOS or Android device.  Click the Deposit Check camera icon from the icon bar at the bottom of your screen, then follow the on-screen prompts.
Image of a mobile phone with digital banking on the screen and an arrow pointing to the deposit checks icon
 
Note: This feature is only available inside the mobile app and is not available on desktop or laptop computers.
When you add an external account (an account from another financial institution), you can view your balance and transaction history, make transfers, and have the account appear in the budgeting/financial tools.

It's easy to add an external account to your CNB Digital Banking, here's how:
  1. From the menu, choose Manage External Accounts
  2. Add External Account
  3. Follow the two step process:
    • Step 1:  Add Your Account
      Input the account number, account type, and bank routing number
    • Step 2: Verify Your Account
      You will be sent micro-deposits (deposits under $1) as a way to verify your account information.  Once the micro-deposits are received in your external account, you will input the dollar amounts to verify the account.  Once the account is verified, you will see the account on your home page, in your drop-down account list for sending transfers, and in your financial management tools.
Set Up Internal Transfer
  • From the main menu, select Transfer Money
  • Select your "From" account, "To" account, and dollar amount of the transfer
  • Choose the transfer frequency and date
  • Optional: Add a memo to the transfer for your records
  • Click Transfer Funds
Set Up External Transfer
  • First, you must add the external account.  See Add External Account in the previous section
  • Once you complete the two-step process for adding and verifying an external account, you may follow the above instructions for setting up an internal transfer, only now your external account will show up as an option in your "To" and "From" account drop-down menus.
Review Your Recurring Transfers
  • From the main menu, select Digital Banking Activity
  • Click the Recurring Transactions tab
  • Click on any recurring transaction to view the details
Pro Tip:  You may transfer funds to a loan account using the Transfer Money feature, however the best way to pay loans is to use the Pay a Loan feature.  Here, you may make a one time payment or set up a recurring payment.
Make a payment to your CNB loan with just a few clicks!
  • From the main menu, select Pay & Transfer
  • Choose Pay a Loan
  • Follow the on-screen instructions
Note: Regular payment is selected by default, but other payments can be made such as Principal-Only payments, Interest-Only payments, and Escrow Payments.  Learn how:






General Help

View and Download Past Statements
  • From the main menu, select Statements & Reports
  • View Statements
  • Select the account, date, and document type
  • Click Get Statement to download a pdf copy of your statement
  • From there, you may save your statement on your computer or print it
Error when Printing Statements from Chrome and Edge Browsers
There is a known issue with printing statements from Chrome and Edge Browsers.  You may receive an error such as "Failed - Network error" or "Receive Failed - Forbidden."  Here are some workarounds you may use until the browser provider releases an update to correct this bug:
  1. Option 1
    Users can download their e-statements using the mobile app or try another non-Chromium browser such as Internet Explorer or Firefox.

  2. Option 2
    Instead of clicking the download button when viewing the PDF in a browser, users can click the print button and then use the Print to PDF feature if they have Adobe. This will use the Print workflow to save the PDF to their device, the same way downloading it does.  After it is saved, you may open the pdf document and print from there.

  3. Option 3
    Disable the option "Download PDF files instead of automatically opening them in Chrome":
    • Open Google Chrome.
    • Click on the Menu icon in the top-right corner of the window.
    • Click Settings.
    • In the Search settings bar type "Site Settings".
    • Click on Site Settings in the results.
    • On the Site Settings page, scroll down to the Content section and expand Additional Content Settings.
    • Click PDF documents.
    • Change the Download PDF files instead of automatically opening them in Chrome option from the off position (grey) to the on position (blue).
    • Close the Settings tab and restart your browser.
Gain freedom from paper by opting-in for e-Statements from within Digital Banking.  Opting in for e-Statements means you will no longer be mailed a paper copy of your statement and will instead receive a notification when your statement is ready for viewing from within Digital Banking.  You can select a Statement Delivery preference for each account and you may change it at any time.
  • From the main menu, select Statements & Reports
  • Statement Delivery
  • Click the pencil icon to edit the statement delivery type for each account
  • The first time you select e-Statement as a delivery method for your statement on an account, you will be asked to accept our e-Statement Delivery Agreement. 
You can update your contact information anytime with ease!  Here's how:
  1. Select Profile and Settings from the Main Menu
  2. Account Preferences
  3. Here you can change the following information:
    • Password
    • Secure Delivery Methods (Email Address, SMS Text Number, and Voice Number)
Get all of your account details in one convenient place!
  1. From the home page, click on the account tile
  2. Click on the Details & Settings tab (next to the word Transactions)
  3. See balances, last deposit, year-to-date interest, and more!
  4. Set nickname/display name, home screen visibility, and financial tools visibility for the account
  1.  Click the Forgot Password link (see screen shots below)
  2. Enter Your Login ID
  3. Click Submit
  4. Select your Secure Access Code delivery method
  5. Retrieve your Secure Access Code (from your text/email/voice call) and enter it
  6. Click Submit
  7. Enter your new password
  8. Click Submit

Forgot Password Link on Desktop or Laptop:

image of a computer screen showing digital banking login with an arrow pointing out the forgot password link

Forgot Password Link on Mobile Device:

Image of a mobile phone on the login screen for digital banking with an arrow pointing out the forgot password link

Need help more help digitally? There are many different ways you can reach out to us from inside the Digital Banking platform quickly and securely. 

For questions regarding specific accounts:

  1. Click on the account tile for the account in question.
  2. Click on the the "kebob icon" next to the account ---> ⋮
  3. Click Ask a question.
  4. Type your question.
  5. Click Send message.
For all other questions:
  1. From the main menu, select Messages.
  2. Click on the blue circle with a white pencil in the middle to start a new message.
  3. Follow on screen instructions.




Features and Customizations

There are many ways to customize your home screen.  One way is to chose which accounts you would like to appear on the home screen.  By default, they all appear on the home screen until you change their visibility and hide them. 

To change the account visibility, click:
    1. The "kebob icon" next to the account ---> ⋮
    2. Settings
    3. Scroll down to Account Visibility, and turn it on or off using the green sliders. Here, you can also change the account display name.
You can also organize your accounts by groups. Create account groups by clicking and dragging the account tile to the new (+) icon that will appear on the bottom right.

Want to categorize your accounts into groups? It's so easy to do:

  1. Click, hold and drag the "Account Tile" (The whole box around the account name/information) to the bottom right. This will make an inbox icon appear: 
    Add Group Icon from Digital Banking
  2. Drop the Account Tile onto this icon. A new group will appear.
  3. Rename the New Group
  4. Click the check mark to save.
Pro Tip: Rename the Group Tiles by clicking the pencil icon next to the name.

It is really easy to customize (nickname) your account name by clicking:

  1. The "kebob icon" next to the account ---> ⋮
  2. Nickname Account
  3. Fill in your new Account Nickname in the box
  4. Save
To setup alerts in Digital Banking, click:
  1. Services
  2.  Alerts
  3. + New Alert
Please note, some security alerts are turned on by default. These options are "grayed out" on the alerts page and you will not be able to edit those settings.

Let our financial tools help you with your personal financial management. Here, you can budget and manage your finances across multiple financial institutions – see your spending, budget, trends, cash flow and more.

Access Financial Tools

  1. Click Financial Tools above your Accounts section.
  2. From here you can select many different tools including Net Worth, Budget, Spending Habits, and many more!
Hide an Account from Financial Tools
  1. Click Home.
  2. Click on the "kebob" three vertical button icon on the account tile for the account you wish to hide. ---> ⋮
  3. Click Settings.
  4. Click the blue circle checkmark next to Financial Tools (turning it to a gray X).
Pro Tip: Link Accounts to add all of your external accounts to get a full picture of your financial situation.

With your CNB St. Louis Bank Debit Card and CardSwap, you can change or update the payment info for a number of subscriptions and/or digital services, all in one place, with one click!

  1. In the Menu, select Services & Statements.
  2. Click CardSwap. A new screen will open.
  3. Click Get Started.
  4. You will need to Read and Accept the Terms & Conditions the first time.
  5. Follow on screen instructions.