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Other Services

Automatic Funds Transfer (AFT)

A convenient method of transferring funds from one account to another on a scheduled basis.

Automated Teller Machine (ATM)

You can enjoy unlimited 24-hour banking at any of our five offices as well as hundreds of ATMs worldwide on the SUM, NYCE and PLUS networks. Use your ATM card to get cash, make deposits, transfer funds between accounts and check on account balances. Enjoy no fees from The Citizens National Bank when processing transactions at ATMs operated by the SUM network. Locate your nearest SUM ATM.

Automated Transfer Service (ATS)

With ATS you have the ability to automatically transfer funds from your statement savings account to cover an overdraft in your checking account. The amount of the transfer is the exact dollar amount of the overdraft plus the transfer fee. Please see current fee schedule for dollar amount of transfer fee. You will receive notification of the transfer in the mail.

Bank by Mail

A convenient service that allows you to make deposits, loan payments, transfers between accounts and other transactions by mail. The bank provides you with pre-addressed envelopes for your convenience. The teller processes the transactions(s) upon daily mail delivery.

Credit Cards -  Business

Business Visa Credit Cards*                   

CARRY A CREDIT CARD DESIGNED FOR YOUR BUSINESS

We offer a variety of business credit cards to meet your needs.

Become a cardmember and enjoy a wide range of benefits.

 

ALL OUR BUSINESS CARDS come with these GREAT BENEFITS:

  • FREE 24/7 ONLINE ACCESS for managing your account.  View transaction activity and history, pay your bill, set up alerts, and more.I
  • FREE MANAGEMENT REPORTS to help you track expenses, monitor your spending, spot tax deductions, prepare your tax filings and forecast expenses more easily.
  • CASH FLOW MANAGEMENT with the flexibility to cover the cost of supplies, equipment, travel and more.
  • ADDED SECURITY with fraud protection, extended warranties, travel accident insurance and identity theft protection.*

We reserve the right to change the account terms should your credit profile change or for other reasons described in the “Terms and Conditions”.  All changes in terms will be subject to the requirements of applicable law. 

*Complete details, including restrictions, limitations and exclusions will be available when you become a Cardmember.

 I Only a Program Administrator or Authorized Company Representative, as applicable, can enroll your Company’s Business Credit Card online.

 ©2013 Visa® Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc.  Business Edition®, Commercial Edition®, Purchasing Edition® and Maximum Rewards® for Business are federally registered service marks owned by First Bankcard®, a division of First National Bank of Omaha.

Business Visa Credit Card Online account access provides the quickest and easiest way to:

  • Account Alerts
  • Business Forms
  • Management Reports
  • Commercial Management Reports
  • Download Transactions

Access Your Account

Credit Cards - Consumer

Consumer Credit Cards
We offer a variety of credit cards to meet your needs. Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs. You can even put your favorite photo on your credit card! It’s easy to do and a fun way to show your personality whenever you shop. Click below for more information and to apply online.

Online account access provides the quickest and easiest way to:

  • Activate your credit card
  • Make payments
  • Transfer balances
  • Request limit increases
  • View Statements
  • And much more


Once you receive your credit card, simply access your account by clicking on the link below.
Access Your Account

Debit Card - VISA

A Debit Card is an alternative to carrying cash, simpler than checks, has no finance charges like a credit card, and doubles as your ATM card. Use it to make purchases wherever Visa is accepted. Your checking account will be charged for the purchase amount. Enjoy the convenience.

Conveniences:

  • Debit cards help you spend within your means and to avoid debt while maintaining the convenience of paying with plastic.
  • When you use a debit card, you do not get a monthly bill. You also avoid the finance charges and debt that can be associated with a credit card if it is not paid in full.
  • Paying with a debit card instead of a check lets you skip the wait while merchants check your ID or verify your checking account number.
  • Debits cards provide a safe alternative to using cash and they provide a record of all transactions. Using a debit card is safer than using cash if you report the card’s loss immediately.
  • Many supermarkets and chain stores let you use your debit card with your PIN to receive “cash back” when you make a purchase.
  • You can use your debit card almost anywhere in the world to get cash at ATM machines or to buy things. As with credit cards, using your debit card in another country can result in a better exchange rate, even with the currency conversion fees charged by many banks.

Limitations:

  • For security purposes, all CNB debit cards are set to decline foreign transactions.  If you are planning to travel outside of the United States, simply contact us at 860-928-7921 ext. 115 with the location and dates of your travel and we will temporarily lift the restriction on your debit card for that period of time.
    • If you are making a purchase via the telephone, Internet or mail order and the transaction is declined, ask the retailer if their headquarters is located outside of the United States. If so, simply call us at 860-928-7921 ext. 115 with the name of the retailer, their location and the amount of the transactions. We will temporarily lift the restriction on your debit card to allow this transaction to process.
  • For security purposes your debit card has withdrawal and transaction limits set per day.
    • Contact us at 860-928-7921 ext. 115, if you would like to know the specific limits and if you would like to request a change to your limits.   
  • If we receive reports of elevated fraudulent activity generating from a specific state or states, we reserve the right to block the affected states.
    • The following states are currently blocked: Texas, New York, California, Florida, Missouri and Alabama.
  • If you have a debit card transaction you do not recognize or feel is unauthorized, please refer to Disputed Debit Card Transactions for a complete list of instructions.

Direct Deposit

Direct Deposit is a service that is convenient, secure and allows funds to be immediately available in your account. In order to receive timely credit when Direct Deposit begins, please be sure to know your account number and the Bank’s routing number, 011102133.

EasyView Check Imaging

Your monthly statement includes FREE images of every check, 12 to a page, in numerical order with date and amount. Plus, you get a binder for storing your checks. And with e-Banking, your check and deposit images are available to you on-line! It's that easy!

Fee Schedule

View Personal and Business Fee Schedule.

Foreign Currency Exchange

Before traveling, you have the opportunity to obtain foreign currency funds through The Citizens National Bank. Please visit one of your local branches to initiate the process of ordering foreign currency at least three business days prior to departure. After traveling, you have the opportunity to exchange foreign currency for U.S. currency. Please visit one of your local branches to initiate the process of exchanging foreign currency. Refer to our current Fee Schedule for up to date fees.

Harland Check Reorder

Reordering checks from The Citizens National Bank couldn’t get easier! You can now order your checks directly through the Harland Check Center. Use this convenient online service to save time. Remember, the bank’s Routing/Transit Number is 011102133.


Reorder your checks.


For security reasons, Harland has restricted this service to orders that do not have any name or address changes. Also, you must provide the next starting check number for your reorder. If you have changes, please mail or bring your check order in to any office of the Citizens National Bank and we will process it for you.

Loan Services

CNB combines traditional values and years of knowledge with local decision making and servicing. Explore our Lending Resource Center.

Night Deposit Services

The night depository allows both individual and business customers to make deposits after hours. Deposits are processed the following “business day” morning. For security, business customers may want to use locked bags.

Notary Public Services

The Notary Public is a public official appointed by the Secretary of State through the power vested in the Secretary by state law. The notary acknowledges the identity and signature of the person signing a document. A Notary may also administer oaths and perform other duties as permitted by law. Please visit your local branch between the hours of 9:00am – 5:00pm and Saturdays 9:00am – 12:00pm to receive Notary Public Services.

Online Banking Services

  • e-Banking: e-Banking delivers real-time information to you about your accounts
  • PowerPay: A valuable option within e-Banking. With this feature, you can use your checking account to pay your bills through the Internet
  • Cash Management: Cash Management delivers online banking to our corporate customers.
  • e-Statement: Your deposit account statements delivered to you online. It’s safe, secure and free. Simplify your life.
  • Mobile Banking: Be mobile with The Citizens National Bank mobile banking APP! CNBCT Mobile is a FREE* and convenient mobile banking solution that enables you to use your mobile device to perform banking transactions from anywhere at any time.

Safe Deposit Boxes

A rented, safekeeping box kept within the bank’s vault for the storage of personal items and legal and financial documents. There is a 10% discount if you allow us to charge your checking, statement or passbook savings account for the rental amount. Boxes are available for rent in various sizes and in all branch locations.

Savings Bonds

A government savings bond representing a loan you are making to the United States. Bonds are registered securities backed by the full faith and credit of the United States. Series EE and I bonds are no longer sold in paper form but solely by electronic means. Learn more about purchasing Savings Bonds.

Signature Guarantee

A stamp verifying that the signature on a negotiable instrument (i.e. documents regarding stock, bonds and mutual funds) belongs to the person signing it. This is a requirement of the SEC (Securities & Exchange Commission). Please visit your local Branch Manager to schedule an appointment.

TouchTone Banking

With TouchTone Banking you have 24-hour access to all your accounts. Call anytime to get information, make inquiries and get the current deposit rates. You can also use TouchTone Banking to make payments, transfer funds between accounts and review the most recent transactions on your account. Now, CNB is opened for business 24 hours. Call 860-963-7000.

Visa Gift Card

A Visa gift card has a pre-paid limit which works similar to a regular credit card.  It allows the recipient to make signature based purchases anywhere Visa is accepted.  Cards can be purchased by both customers and non-customers and you can choose any dollar amount from $25.00 to $1,000.00.  These cards are non-reloadable.

Wire Transfers

A wire transfer offers the ability to send money to a bank in another city, state, or country. This service is available for customers only.