Use Your CNB Debit Card to Pay for Your Fall Favorites and Win!

Whether it's purchasing tickets to root on your favorite team or savoring that first pumpkin spice latte of the season, be sure to use your CNB Visa debit card!

Grand Prize: $500 Visa Gift Card
or win one of five $100 Visa Gift Cards!


Purchases must be:

  • Made with your CNB debit card
  • Be a value of $5.00 or more
  • Made between September 1, 2021 and October 15, 2021


Leave your checkbook at home. All you need is your Citizens National Bank Visa® Debit Card!

Access funds from your checking account where you see Visa/Plus Network and MoneyPass ATMs.

Using your Visa Debit Card is safer than ever, even when shopping online! In fact, it is safer than carrying cash, more convenient than writing checks, and faster than making a trip to the bank. Use your Visa Debit Card today and find out for yourself.



CNB Visa Debit Card


Click here to watch a video describing our Enhanced Security Chips Cards.

Enhanced Security
Chip Cards

Watch our Video Tutorial.

To activate your CNB Visa Debit Card, call 1-800-567-3451.

Lost or Stolen Card?

Contact us immediately if you lost your CNB debit card.

No more waiting... Get a new one today! Simply visit your nearest CNB office during business hours and speak with a Customer Service Representative to receive your new card and use it right away.

Instant Issue Cards:

  • Immediately active and ready to use
  • Choose/change your PIN in office
  • Replace lost, stolen or damaged cards

Traveling Soon?

Contact the bank if you plan to use your Citizens National Bank Debit Card or Credit Card while traveling in the US or out of the country. Due to fraud concerns, many foreign countries or out of state transactions may be declined if we were unaware of your plans.

List of currently blocked countries

Rather than using your debit card, you may consider purchasing a Travel Card. These cards can be loaded in any amount from $10-$5,000 and may be used anywhere Visa is accepted.

Visa's Zero Liability Policy

When you use your CNB Visa Debit Card or Credit Card to shop online, in a store, or anywhere, you are protected from unauthorized use of your card or account information. With Visa's Zero Liability Policy*, your liability for unauthorized transactions is $0 - you pay nothing! Visa takes online security very seriously so you can focus on your shopping.

* US-issued cards only. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen CNB Visa Debit Card or CNB Visa Credit Card. This additional liability does not apply to ATM transactions, to transactions using your Personal Identification Number (PIN) which are not processed by Visa. See your Cardholder Agreement for more details.

Visa Secure

When using your credit card to shop online, you will be asked to become verified prior to completing an online transaction if the merchant is a member of the program. All cards are automatically enrolled when issued and by using contextual clues, such as type of device used, size of screen, location, etc., 95% of transactions are approved without anything extra required. If it's high-risk, which is less than 5% of transactions, consumers may be asked to provide a one-time password through the system.


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Fraud Detection

Citizens National Bank utilizes a fraud detection program to prevent unauthorized use of your Debit Card. The program tracks the type of transactions you usually perform with your Debit Card and then compares that behavior with each new transaction and characteristics of fraud. If something seems suspicious, you may be called at home to verify the transaction. If we were unable to leave a message, a letter will be mailed to your home and your card restricted until you contact the bank. This program is for your protection as we try to eliminate Debit Card fraud. If you plan to use your Debit Card while traveling or to purchase expensive items that are not typical of your card use, please contact the bank to notify us.

Visa Account Updater

Visa requires all financial institutions to participate in Visa Account Updater (VAU) for debit and credit cards (personal and business; HSAs excluded) which provide updates to merchants who maintain your card information on file, to process your recurring payments (ex. subscriptions services or utility companies, etc). This is only for recurring payment merchants. This service allows merchants to receive your updated card information when you receive a new card for any reason (ex. expired card, lost or stolen card, etc). CNB is providing you the ability to opt-out of VAU by contacting your local branch.

Mobile Wallet

The simple and safe way to pay with your mobile device.

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Get the Mobile App that lets you control debit card usage and spending on the go.


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Free Gift with Checking

Open any new checking account and receive a free gift.

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More Information

To learn more about our checking and savings options, call:


Mon - Fri: 8:30 AM - 5:00 PM EST


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