Welcome to Citizens National Bank

At Citizens National Bank, we provide you with the tools to help you meet your financial goals. That begins with switching your account smoothly and seamlessly. Our checklist is a great reference tool to keep you organized through the process.

Retail Customers


Direct deposit change requests
Switch all direct deposits you have by completing the Direct Deposit form (pdf). This may include:

  • Your employer
  • Government deposit (Social Security, pension, retirement)
  • Brokerage deposits (dividends, interest)
  • Transfers from other financial institution accounts (savings, checking, money market)

Request to Transfer Direct Deposit Letter (pdf)


Switch automatic payments, debit card payments and online bill payees
Make sure to switch all automatic payments/withdrawals (pdf) you may have by contacting the company you are paying, and give them your new account information.

  • Utilities
    • Gas
    • Electric
    • Phone service
    • Water
    • Cable/satellite
    • Trash
    • Pest control
    • Yard maintenance
  • Other Payments
    • Loans (car, home equity, credit cards)
    • Mortgages
    • Brokerage
    • Account transfer
    • Insurance (home, auto, renters)
    • Internet service
    • Cellular service
    • Child support or court issued payments

Request to Transfer Automatic Payment Letter (pdf)


Balance and discontinue use of your old checking account
Leave enough money to cover any outstanding checks, debit/ATM transactions and schedule payments/withdrawals that you have not yet switched.


Closure and notification of account change
Once all outstanding payments and deposits have cleared your old account, and your first deposit has been deposited in your new account at Citizens National Bank, fill out the Account Closing form (pdf) and instruct your bank to send any remaining balance(s) to your new account with Citizens National Bank.


Don't forget to destroy the following

  • Old checks
  • ATM cards
  • Debit cards
  • Deposit slips


Social Security
To change your Social Security direct deposit information call the Social Security Administration at 1-800-772-1213.


Enroll in these services


Click here to watch a video describing our CardValet App.

Your card, on your terms.

Watch our Video Tutorial.



Bill Payment

Click here to watch a video describing our Bill Payment.

The easiest and fastest way to pay bills.

Watch our Video Tutorial.



Online Banking

Click here to watch a video about our online banking and how it is convenient and easy to use!.

CNB Online Banking
Convenient and easy to use!

Watch our Video Tutorial.



Mobile Banking

Click here to watch a video describing our Mobile Online Banking Video

Secure access to your account information right from your phone.

Watch our Video Tutorial.



Commercial Customers


Need help with business bill payment setup? Contact our Online for Business specialists.

Business Bill Pay

Click here to watch a video demo on Business Bill Payment.

The easiest and fastest way to pay bills!

Watch our Video Tutorial.


Merchant Capture

Click here to watch a video describing Merchant Capture

The quick way to turn check deposits into cash.

Watch our Video Tutorial.


Mobile for Business

Click here to watch a video demo on Business ID Theft.

Secure access to your account information!

Watch our Video Tutorial.



Online for Business

Click here to watch a video demo on Online for Business.

Powerful business banking tools at your fingertips!

Watch our Video Tutorial.


Get to Know CNB

Sign up to receive our newsletters.

  • Family Financial News
    Offered twice a year, this newsletter will provide financial tips and links to interactive calculators and games geared towards educating parents about teaching their kids about finances.
  • CNB Connection
    Includes tips for managing personal finances, the latest information on what is new at Citizens National Bank, an Ask the Lender article and recipe.
  • Executive Newsletter
    Focuses on the special needs of business owners, featuring financial updates from our President/CEO and showcasing the products we offer to aid businesses in their success.
  • Security Bulletin
    Helps to educate customers about the importance of awareness and due diligence when banking electronically. This information can be applied to a range of digital safety.


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