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Frequently Asked Questions

Here are some of the questions we're frequently asked about the joining of our companies. You will find additional topic specific questions on the various pages regarding your Deposit Accounts, Loan Accounts, Debit Card, ATM Cards and Online Banking & Bill Pay at the bottom of each of those pages. 

Q:  Why are Horizon Bank and Central National Bank & Trust merging?
A:  The Banks have shared philosophies when it comes to our commitment to local, service-driven banking in order to best meet the needs of our customers and our communities.  We will continue to deliver community-focused banking to our customers through an expanded branch network and increased product offerings.  

Q:  Under what name will the bank operate?
A:  Horizon Bank, NA

Q.  When will the name change to Horizon Bank?
A.  We will convert accounts to Horizon Bank on December 3, 2016.  On Monday, December 5th we will open as Horizon Bank operating under Horizon’s name and systems.

Q:  Will CNB&T stay “local”?
A:  The offices of CNB&T will continue to serve the needs of their customers and communities.  Horizon has a closely held belief to hire and retain local talent with similar community banking values which is why we are pleased that Sherri McGraw and her team have agreed to stay with us to help lead these efforts.  Sherri has over 30 years of banking experience and is well-known to the customers and community.

Q:  Will the locations of CNB&T remain open?
A:  Yes.

Q:  Will the office / drive up hours change?
A:  The hours of the main office will remain unchanged.  The hours of the branch will change slightly as of December 5th.  Notices have been posted in the branch to inform customers of the change.

Q:  Do you plan to convert data processing systems?
A:  Yes.  We will convert all of CNB&T’s systems onto Horizon’s systems the weekend of December 3rd.

Q:  Will my account numbers stay the same?
A:  There may be some customers who will see a change in their account numbers.  We will work directly with these customers to ensure the transition goes smoothly for them – buying new checks whenever needed.

Q:  Will the benefits and fees on my accounts change?
A:  We anticipate the change will be very minimal as we plan to maintain, or grandfather, existing accounts held by CNB&T customers for a period of time.  Prior to a data processing conversion, Horizon will share any changes that may occur to existing accounts as a result of the system conversion.  If any changes are necessary, Horizon will notify all affected customers prior to any change.

Q:  Will interest rates on my loans and certificates of deposits change?
A:  Interest rates on contractual agreements like loans and certificates of deposit will remain the same in accordance with the terms of the original agreements. 

QWill I have to order new checks?
A:  No., Your checks will continue to work so keep using them.

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Horizon Bank