Emporia - Merchant Street

Personal and Business Banking in Emporia, KS

When you’re ready to buy your first home or start a new business in Emporia, Community National Bank & Trust is here to help you reach your financial dreams. We’re proud to offer a variety of banking services tailored to meet business and personal needs, no matter where you are in your journey through life.

You can find our Emporia Merchant Banking Center at the corner of Merchant Street and West 7th Avenue. We’re located next to the Post Office and The Arnold Group and near the Red Rocks State Historic Site. Our central location is close to several major roadways, including U.S. 50, Kansas Route 99, and Interstate 35, providing quick access to our banking center from nearby communities, such as:

• Neosho Rapids

• Americus

• Olpe

• Admire

• Allen 

Checking and Savings Accounts Near William Allen White House

The first step in your financial journey is opening a savings account. Whether it’s a personal savings account or a business savings account, you can begin saving your funds to build a safety net for yourself, your family, or your business! We offer many options to choose from, including certificates of deposit and retirement accounts.

Our selection of checking accounts at Community National Bank & Trust can be customized to fit your unique financial needs. Our business checking and personal checking accounts allow you to manage your daily expenses and payments more efficiently. From student checking to business money market accounts, CNB&T in Emporia, KS, is by your side every step of the way. 

Business Banking and Commercial Loans Near Emporia Arts Center

Managing your business finances is now easier than ever with the support of our Emporia Merchant Banking Center and helpful team members. Handle day-to-day expenses with our business credit cards, which earn rewards for every dollar spent. We also offer a variety of business services, including cash management, remote deposit capture, insurance, and more, for businesses in Emporia.

Are you envisioning a renovation for your brick-and-mortar shop? Do you require additional equipment for your growing farm? CNB&T proudly offers commercial loans with flexible terms and competitive rates to help bring your vision to life. 

Home Loans and Mortgage Assistance Near Peter Pan Park

When it’s time to remodel your home or purchase a new one, turn to the reliable home loan options from Community National Bank & Trust in Emporia, KS. We provide flexible home mortgages to help you buy a house, offer home equity loans to fund projects, and much more. You’ll enjoy friendly, attentive service from our Emporia team every step of the way. 

Credit Card Services and Online Banking Near Lyon County Historical Museum

Build your credit and earn rewards with Community National Bank & Trust’s business and personal credit cards! For every dollar spent, you’ll earn points that can be redeemed for account credits, gift cards, travel, and merchandise. Plus, there are no annual fees, and you can enjoy a 4.99% APR introductory rate for six months.

Easily manage your finances with our CNB&T digital and online banking! Access your e-statements, review written checks, and pay loans from your computer. By downloading our app, you can deposit checks, transfer funds between accounts, and get notified about balance updates on your phone. 

Comprehensive Banking Services for Individuals and Businesses

Stop by our Emporia Merchant Banking Center on Merchant Street and talk with one of our friendly, attentive staff members. We’re here to help you understand our offerings and which ones would be most beneficial for you. Our lobby hours are Monday through Friday, from 8:30 a.m. to 5:00 p.m.

We offer convenient drive-through hours, allowing you to speak with a teller from the comfort of your vehicle. Our drive-through hours are Monday to Friday, from 8:00 a.m. to 5:30 p.m., and Saturday, from 9:00 a.m. to noon. 

Contact Community National Bank & Trust Emporia Merchant for Banking Solutions

Open an account or apply for a loan at Community National Bank & Trust today. Please call or contact us online if you have any questions about our banking services or the application process—we’re happy to talk with you and help you find the best financial solution. You can also explore our frequently asked questions page to find answers to common questions. 

Frequently Asked Questions About Banking Services in Emporia, KS

What banking services does the Emporia Merchant Street Banking Center offer?

The Emporia Merchant Street Banking Center provides the full range of Community National Bank & Trust products and services to Emporia, KS, residents, including personal checking and savings accounts, certificates of deposit, IRAs, home loans, auto loans, business banking, and our digital banking platform with mobile check deposit and bill pay. This is one of our Emporia locations; see our other Emporia banking center for additional options. In-banking-center services such as notary, safe deposit boxes, and coin counting may vary, so call ahead if you need a specific service.

Can I apply for a home loan or other lending at the Emporia Merchant Street Banking Center?

Yes. Our Emporia, KS, lending team can help you apply for a home mortgage, refinance, home equity loan or HELOC, auto loan, personal loan, or business loan. You can start your application in person at the Emporia Merchant Street Banking Center, online through our website, or by phone, whichever is easiest. We'll guide you through the documents you'll need and answer any questions about rates, terms, and timing.

How do I open an account or get in touch with the Emporia Merchant Street Banking Center?

You can open a personal or business account at the Emporia Merchant Street Banking Center during regular lobby hours, or start online from any device. The address, phone number, lobby hours, and drive-thru hours for this location are listed at the top of this page. For after-hours support, lost or stolen card help, or online banking questions, see our Contact Us page or call our main customer service line.

How do I activate my debit card?

Activating your debit card is simple with Community National Bank & Trust! Stop by during lobby hours to chat with a team member, or give us a call to activate your card. 

What types of checks are accepted for mobile deposit?

Our mobile deposit accepts checks in U.S. dollars drawn from a U.S. bank. These checks include personal, business, and U.S. Treasury checks. 

What do I do if my credit or debit card is lost or stolen?

If you find your credit or debit card is lost or suspect it’s stolen, you’ll need to report it so CNB&T can freeze your account to prevent unauthorized charges.

- Report a lost or stolen debit card—domestic

- Report a lost or stolen debit card—international