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E-banking & Mobile Banking


e-Banking delivers real-time information to you about your accounts. All you need is a personal computer with Internet access, and you’ll be able to:

  • Check account balances.
  • View account activity.
  • View and print images of checks and deposits.
  • View and print statements.
  • Transfer funds between accounts.
  • Place Stop Payment order on a check you have issued.
  • View existing Stop Payment orders.
  • Make CNB loan payments.
  • Make any of your transfers or payments a one-time event or a recurring event on the schedule you choose.
  • Download account transactions to your software application, such as Microsoft Money or QuickBooks.
  • Access online help.

e-Banking is a fast, easy, and secure way to handle your banking right from your computer 24/7. And it’s absolutely free.

To begin e-Banking, you must have both a USER ID and PIN to log on. Please visit one of our convenient office locations to enroll. Or simply apply online.



What are the supported browsers for e-Banking?

Our e-Banking service requires a secure browser that will support 128-bit encryption. We support the current and prior releases of the following browsers.

Supported Browsers.

IE8 FAQ's.
What happens if I don’t log-off the system?
e-Banking has a ten- minute, time-out feature. If you do not utilize the system within the ten-minute time frame, as a security measure our system will log you off.
Does my e-Banking PIN expire?

No, your PIN does not expire. As a matter of best practices, we encourage you to change your PIN/Password periodically.

You can change your PIN at anytime. Simply log into e-Banking; select the Options tab; enter your new PIN (See PIN requirements below) enter your new PIN again; and Submit.

PIN Requirements:

  • Minimum of 8 characters
  • Maximum of 25 characters
  • Alpha-Numeric is Required
  • Special characters are allowed but not required: & + _ % @ ! $ * ~

If you have questions pertaining to this message, please feel free to contact your account manager at 860-928-7921.

What happens if I forget my e-Banking PIN?
You are allowed three PIN attempts; on the fourth invalid attempt, the system will lock you out. This lock out feature will last for 24-hours (from the last invalid attempt). After 24-hours you may attempt to login again. If you do not remember the PIN you can contact a Customer Service Representative to unlock and reset your e-Banking account.
Can I reset my PIN if I get locked out of e-Banking?
Yes, if you have provided a personal question and answer in the Options tab, you can enable the self reset PIN option. If you have not supplied that information, the self assisted PIN reset is not applicable.
How do I use the self assist PIN reset?

This feature is only activated for customers that had previously supplied a personal question and answer via the Options tab. 

After entering your e-Banking ID, Select Reset PIN at the top right side of the screen. You will be prompted to complete the following information: e-Banking ID; email address (the email we hold on file) and a subject line for the email. The system message will reply: “Thank you. You will receive an e-mail shortly with instructions on how to reset your PIN.”

The email will read: “You have requested that your e-Banking ID PIN be restored. To confirm this request, please click here. This message was sent on (date/time). This link will be valid for 2 hours.” Click on the link. Enter your e-Banking ID. The system will display the personal question you supplied. Enter the (case sensitive) answer. The system will prompt you to create a new e-Banking PIN, re-enter to confirm and then submit. The system will prompt you with two options: Go to Login Page or Close Browser.

Can I download my account information into a personal software program?
Yes. Purchase of personal software to support the available file formats is the responsibility of the customer.
When I download, what formats are available?
Microsoft® Money (.ofx)
Intuit® QuickBooks (.iif) compatibility – current release as well as one previous
Intuit® QuickBooks (.qbo) compatibility – current release as well as one previous
Personal Finance (.qif)
Spreadsheet (.csv)
Word Processing (.txt)
How current is the information?
The available balance for checking and savings accounts is real time and will change throughout the day based on the activity. As you use your ATM or Debit Card or transfer money between accounts, the available balance is updated to reflect this activity.
How late in the evening can I make transfers or payments?
The transfer cut-off time for current day’s business is 5:00 PM (EST), Monday through Friday. Transfers made on a holiday that CNB observes will be posted on the next business day.
If I establish a recurring funds transfer, at what time of day will it occur?
Between 5:15 PM (EST) and 6:00 PM (EST) on the scheduled date, during our End of Day processing.
When I inquire on “Current Day Transactions,” I don’t understand the “Description” of the items posted. Can you explain them?

Transactions viewable under this option that bear the current calendar date or the yesterday after 3 PM (EST), are what we call Memo Posted. Until the bank has completed the processing for that business day, those descriptions will be posted with bank terminology. Listed below are some examples:

  • Teller Credit: A deposit made with a teller.
  • Teller Debit: A check or withdrawal transaction made with a teller.
  • Electronic Debit or Credit: An electronic transaction to your account –a Direct Deposit; check payment that was converted to an electronic item by the payee; payment of a bill you authorized.
  • Check in Process: A check presenting to your account, processed from another bank via the Federal Reserve System.
  • Bank Credit or Debit: Bank initiated transaction
  • Next Bus Day ECredit or EDebit: Notation of a pending electronic transaction to your account –a Direct Deposit; check payment that was converted to an electronic item by the payee; payment of a bill you authorized.
  • Phone Transfer Cr or Debit: A telephone transfer processed by a CNB employee (this transfer amount may include a transfer fee).
  • POS: A Point of Sale Transaction. A PIN based transaction made with either an ATM or Visa Debit Card.
  • DC: A Debit or ATM card transaction that is settling. The funds are now deducted from the account and sent to the requesting Merchant.
Why is it that on some evenings, I can’t transfer funds on e-Banking?
The option to transfer funds will be unavailable for a short period each business day while we are updating our files. All other functions will be available during this update. Once a month CNB performs additional routine maintenance, which will make e-Banking unavailable for approximately 5 hours. We will notify you at least one day in advance of this by placing a message on the e-Banking sign on screen.
Why is my available balance different than my current balance?
Our policy is to delay the availability of deposit funds. The length of the delay varies, depending on the type of deposit. You can learn more about our policy in our Facts About Funds Availability brochure. This delay may result in your available balance showing a lesser amount than your current balance.
Is any information I provide to you disseminated or sold to other organizations?
No. Any information you give us is used internally, as appropriate, to handle your request.
How can I be assured my transactions are not intercepted over the Internet?
CNB uses multiple types of security: data encryption, industry-leading firewalls, unique identifiers and passwords to name a few. We require customers to have 128 bit security encryption and always recommend you use the latest encryption standards available through your web browser.
Can a business client use e-Banking?
Yes. The person opening the account must be on the corporate resolution and authorized to open accounts on behalf of the business.
Can I transfer money between my personal and business accounts?
Funds transfers and loan payments may only be performed between accounts with the same primary Taxpayer Identification Number (TIN).

CNBCT 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. We offer Android and Apple APPs to all personal and most business customers of The Citizens National Bank.

*There is no fee from The Citizens National Bank. Connectivity and usage rates may apply. Contact your wireless service provider for more details.

Note: an e-Banking ID is requried to gain access to Mobile Banking.

With CNBCT Mobile, you have everything at your fingertips no matter where you are.You can enroll in CNBCT Mobile Banking one of two ways:

  • From a PC:  log into your existing e- banking account and choose “Options” and then “Mobile Banking Enrollment”. After a few easy steps, a text message will be sent to you with the link to download CNBCT Mobile APP.
  • From the APP: simply download the CNBCT Mobile App from the App store and follow the enrollment prompts.

To begin Mobile Banking, use your e-Banking, USER ID and PIN and login on a PC. Follow these easy to use instructions to enroll in APP and/or SMS Mobile Banking.  Don't have e-Banking yet? Please visit one of our convenient office locations to enroll. Or simply apply online.


Mobile Banking

Mobile Banking Tips
    • We recommend password protecting your mobile devices through the use of automatic screen locks.
    • We discourage the use of storing or enabling the device to remember passwords.
    • Utilize remote wipe apps such as Find My iPhone and Find my Droid.
    • If your mobile number or provider changes update your enrollment to reflect the changes.
    • Enroll in mobile banking services through the Free app we provide.
    • Enroll in Text Mobile Banking for quick balance and transaction updates.
    • Do not use a mobile device belonging to someone else. Do not share your mobile device with others.
    • Don't reveal your User ID, PIN/PASSWORD/Password or the answers to your personal verification questions to anyone. This information is designed to protect your account information, but it can only be effective if it is kept private.
    • When logging into your mobile banking app with your ID, always look for the watermark you selected. If you do not see the image you selected do not enter your PIN/PASSWORD, call our Internet Banking department immediately (860-928-7921).
    • Always Logout before leaving the mobile app.
    • Mobile banking transfers and payments will produce a text message confirmation.
    • All transactions processed through the mobile banking app will display on your account as –Mobile along with a description of the transaction.
    • Funds transfers and PowerPayments established via mobile banking cannot be future dated and they will not automatically recur.
    • Ensure your device is updated with the latest OS (Operating System). The newest versions have the latest safety features.
    • If you notice any suspicious or unusual activity in your accounts, or if you suspect unauthorized access to your accounts, contact us immediately at 860-928-7921 or toll free at 888-928-7921.
What are the advantages of CNBCT Mobile Banking APP?
  • View account balances
  • Make one-time transfers
  • View up to 15 days of transaction history
  • Receive email alerts or text confirmations
  • Make on-time bill payments
  • Seamless extension of e-Banking
  • Layered security
  • Adapts to screen size of your mobile device
  • IT IS FREE!!!
What are the advantages of CNBCT SMS (Text Message) Mobile Banking?

The Citizens National Bank will never ask for any sensitive information in (SMS) text message.  See CNB institution's short codes:

Text Commands

Bal=All Acct Bal

Bal Acct Name=Single Acct Bal

Hist=All Accts Recent Activity

Hist Acct Name=Single Acct Activity



How do I enroll in CNBCT Mobile APP?
CNBCT Mobile banking APP enrollment instructions.
How do I enroll in CNBCT Mobile SMS?
CNBCT Mobile banking SMS enrollment instructions.
Is my mobile access secure?
The mobile banking channels for  APP and SMS secure and encrypted. We utilize multi-layer authentication that is already embedded within the traditional e-Banking channel.  Access will become locked after a number of unsuccessful attempts.  Please review our Mobile Banking Customer Security Recommendations.
How does the bank protect my accounts from fraudulent transactions?

The Citizens National Bank has enabled multiple layers of security to protect the data we transmit to you. In addition, we provide you with security recommendations and best practices for both computer and mobile uses. We have secured the data being sent to you, it is then responsibility of each individual to ensure they are practicing proper secure measures through the portal receiving the information. (i.e. update anti-virus, do not click on unsolicited links etc…)

CNB follows proper reporting and research procedures for any unauthorized transaction (Reg E). Regulation E establishes certain types of protection for consumers that employ electronic transfer systems. It also requires financial institutions to publish the terms and conditions of their EFT services at least once a year. Finally, this regulation institutes a procedure for resolving errors related to EFT usage. Error resolution (Reg E) is covered in detail within our online agreement. Our online agreement is available from the INFO section within e-Banking



At The Citizens National Bank the protection of your personal information and account information is just as important to us as it is to you. The security of your information relies on both our ability to offer banking services to you in a secure manner, as well as your responsibility for keeping User Identification Names (User ID's), Personal Identification Numbers (PIN's), answers to your personal challenge questions secure, updating and performing regular scans of your antivirus and antispyware programs on your home computer. To assist us in offering these Web-based banking services in a secure manner, we employ a number of measures, which are identified below. These measures allow us to properly authenticate your identity when you access these services and to protect your information as it travels the Internet between your personal computer (PC) and The Citizens National Bank.

Our e-Banking and PowerPay security measures include:

  • A requirement for each user to privately maintain a combination of a User ID and a 8 -25 character (alpha & numeric) PIN.
  • A user-selected watermark that appears after you enter your User ID. This watermark assures that you are signing onto The Citizens National Bank’s website and not an imposter site.
  • The option to change your PIN at any time.
  • A risk-based authentication system to verify your identity and authorize transactions. Our multi-factor authentication solution improves our ability to verify your identity when you access Online Banking. You simply select three challenge questions and supply answers that only you know. When additional security is needed, we'll prompt you with two of your three questions. We may do this if you forget your password or if you sign in from a computer that we do not recognize (for example, if you sign in from a computer at work, we'll ask you a security question to verify that it's really you).
  • Perform regular monitoring and maintenance of the risk-based authentication cases within the system.
  • An automatic logoff feature which will end your session if it remains inactive.
  • An automatic lockout feature will disable your e-Banking ID if the PIN is entered incorrectly multiple times.
  • The use of account pseudo names will be assigned to eliminate any need for your account numbers to appear online.
  • A requirement that you utilize a secure browser that supports 128-bit encryption. View Supported Browsers.           
  • The use of secure servers. This security is evident by the "https" that will appear in the URL (as opposed to "http" which appears for normal web pages). If you are using Internet Explorer or Netscape Navigator you will see a locked padlock at the bottom right of your browser window when browsing secure websites.
  • The use of a firewall which isolates our server from the Internet and limits access that outside computers have to The Citizens National Bank’s server.
  • Secure email communication with The Citizens National Bank through e-Banking.


While we have instituted numerous security measures, you also play a role in protecting your confidential account information. There are a number of steps that you can take to ensure that your information remains protected, including:

  • Don't reveal your User ID, your PIN or the answers to your personal verification questions to anyone. This information is designed to protect your account information, but it can only be effective if it is kept private.
  • Select an unusual watermark and watch for its appearance after you enter your User ID. If you do not see the watermark you selected, you should not enter your PIN and you should call our Internet Banking department immediately (860-928-7921).
  • Remember that we will never contact you via e-mail asking you to furnish your PIN, social security number, mother's maiden name or any other confidential information. There are no pop-up windows on our website that request such information. If you receive such a request it is not legitimate; please contact our Internet Banking department immediately (860-928-7921).
  • Use care when selecting your PIN. Don't select PINs that can be easily guessed. Don't select a PIN that is so complex that you have to write it down.
  • Do not use the same or similar PIN for online banking as you use on social networking sites such as, My Space, Facebook or Twitter.
  • Do not use the same or similar PIN for online banking as you use on shopping sites such as Amazon, eBay, Craigs List etc...
  • Change your PIN periodically.
  • Don't leave your computer unattended while you're logged on.
  • When you have finished your e-Banking session, you should log off before visiting other Internet sites.
  • Do not change the pseudo names for your accounts to their numeric account numbers.
  • Do not click on links within emails you are not familiar with.
  • Scrutinize your emails. If you are not familiar with the sender, do not open the email.
  • Do not open unsolicited requests. Simply delete it.
  • Enlist the use of spam detection and/or pop up blocking on your computer.
  • Do not fall prey to telephone scams asking you to disclose personal information such as account number, social security number, ATM or Debit Card number, mother’s maiden name, date of birth etc… Hang up the phone and call The Citizens National Bank (860-928-7921) to report the inquiry.
  • Only access your personal financial information from a computer you "trust." Publicly accessible computers are not as secure as your personal computer.
  • Strengthen the defenses on your PC by using and regularly updating personal firewall, virus scanning and anti-spyware software. These programs will reduce the risks that your PC will be vulnerable to penetration. These programs are designed to help protect your confidential information from interception and unauthorized disclosure.
  • Do not log into e-Banking if you suspect a virus or spyware has infected your PC.
  • Keep your browser updated. The newest versions have the latest safety features.
  • Stay up-to-date on Internet threats. The Federal Trade Commission (“FTC”) maintains a consumer education website called “OnguardOnline” that provides practical tips to help you be on guard against Internet fraud, secure your computer, and protect your personal information. Go to the Federal Trade Commission for more information.

If you notice any suspicious or unusual activity in your accounts, or if you suspect unauthorized access to your accounts, contact us immediately at 860-928-7921 or toll free at 888-928-7921.