What are your branch location business hours?

All Cincinnatus locations are open Monday-Friday 9am-5pm, and Saturday 9am-Noon (Drive Thru Only)

Interest Rates

What are current mortgage and car loan rates?


Contact a Loan Officer or call for our current rates 513-661-6903

What are CD interest rates?

Please call for our current rates 513-661-6903


Debit/ATM Cards

What ATM can I use without a surcharge fee?

Use your ATM at any of our Cincinnatus ATM any time for no fee. Use your ATM card at any Money Pass ATM up to 5 times a month without a surcharge.

Find a Money Pass ATM


What is the daily limit on my ATM/Debit card?

The default limits are $1500 for POS (point-of-sale) purchases, and $500 for ATM withdrawals. If you need the limit temporarily adjusted, please reach out to any branch.

How do I activate my new card?

ATM/Debit cards can be activated by calling 1-800-992-3808

How can I get a new card if it was lost, stolen, damaged or destroyed?

If your card is lost or stolen call 513-661-6903 immediately. After office hour you can call: 1-800-472-3272. You can also freeze your card through our Mobile App.

Mortgages & Car Loans

What are the first steps and documents I need for a mortgage loan?

Common documents required for a mortgage include:

  • Tax Returns (2years)
  • Pay Stubs, W2 or Proof of Income
  • Bank Statements (2 months, most current)
  • Gift Letter if applicable
  • Personal Identification
  • Mortgage Application
  • *Additional documentation will be required.

Call any of our Loan Officers today

Mortgage Calculator

What are current mortgage and car loan rates?


Contact a Loan Officer or call for our current rates 513-661-6903

How can I pay my mortgage or car loan?

You can always make a loan payment at one of our branches, mail payments, drop box by ATM, ACH or Bill Pay. Additionally, Cincinnatus account holders can make a payment through online banking.

Account Questions

What do I need to have to open a business account?

Here are some of the most common documents required:

Business account required documents very based on type of business. Cincinnatus offers: Sole proprietorship, Partnership, Corporation, and S Corporation. Note: Additional documentation may be required.

Best practice is to call Cincinnatus at 513-661-6903 to schedule an appointment.

What do I need to have in order to open an account?

Driver’s license, social security number for each account owner.

Minimum deposit required which varies on what account is being opened.

What are the minimum balance requirements on my account?
Are Cincinnatus Savings and Loan deposit accounts FDIC insured?

Cincinnatus is fully insured by the Federal Deposit Insurance Corporation so your deposits have the full backing of the Federal government. So, you can rest assured that your money is safe and will be here when you need it.

Calculate your FDIC insurance coverage

How do I set up direct deposit?

Customers can set up direct deposit by obtaining the form from a branch.

How do I complete a wire transfer?

New wire transfers must be done in person.

Reoccurring &/or established wire can be done over the phone. Please call: 513-661-6903

Cincinnatus Savings and Loan Wire Routing number: 091001322

How can I set up a stop payment on a check or pre-authorized payment?

Customer has to come into one of our branches in order to put a stop payment on a check or do a pre authorized payment.

How can I set up alerts on my account?

There a several different alerts that can be set up by clicking on “Alerts” in the top right corner of your online banking page.

How can I dispute a transaction on my account that I do not recognize?

If you see a transaction on your account that you do not recognize, please call: 513-661-6903 immediately to begin the dispute process.


What is a pending transaction on my account?

A pending transaction might include a purchase, deposit or payment that hasn’t fully processed—sometimes referred to as settled, cleared or posted. Pending transactions can happen when the money needed for the transaction is still moving between accounts, like after using your credit or debit card to purchase gas at the pump or add a tip at a restaurant. Until it processes, a pending transaction could put a hold on an account balance or credit limit. It can affect your available balance—or the funds you’re able to access. In general, it can take up to three business days for a pending transaction to clear.

How can I order checks?

Checks can be re-ordered on our website, through online banking, or by stopping in to any branch.

How do I reset my password? How do I get my username?

Customer can reset their own passwords however, if they have any other issue please call: 513-661-6903 or stop by the branch.

Where can I find my account number and routing number?

Tip: Look at your checks your account number (10 digits) is the second set of numbers printed on the bottom of your checks next to the routing number.

Cincinnatus Savings and Loan Routing number: 242071033

If you still need help, or just want to talk to a real person, visit any of our Cincinnatus Branches or contact us at: 513-661-6903.


Fee Schedule

Our current fee schedule is available at https://cincinnatussl.com/schedule-fees/

Why did I receive an NSF or a Return Item Fee?

An NSF occurs when a check/or ACH was rejected due to non-sufficient funds. Enroll in Sweep today and prevent NSF. A sweep will cover the negative balance as long as the funds are available in your elected secondary account.

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