Citizens National Bank

We are a locally owned bank that has been serving the people of Pulaski County, Kentucky since 1920. We offer a wide range of products to help you achieve your financial goals along with a high level of customer service and convenient locations.

Citizens Bank main branch located in downtown Somerset, Kentucky.

cnb iconWelcome to Citizens National Bank

Citizens National Bank is a locally owned, community-oriented bank headquartered in Somerset, Kentucky. The bank opened for business in 1920 and has ten locations: seven in Pulaski County, as well as one in Wayne County, Russell County and Jessamine County. The employees of Citizens National Bank are dedicated to providing the highest quality, personalized service to its customers.

Featured Services

Vacation Club Account

Get ready for next year’s vacation by opening a Vacation Club Account TODAY! It’s the stress-free way to save all year long, and it’s free. You can have money transferred automatically on the schedule of your choice. Accounts can be opened from March 3 thru April 29, 2017. Stop by your local branch to learn more and sign up for a Vacation Club Account.  

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Fraud Protection with CNB

Citizens National Bank monitors for fraud 24/7.  The fraud alert system will notify our debit card holders of potential fraud by email, text message or telephone call. You will be instructed to respond to the alert as applicable. Please do so as quickly as possible. If you suspect debit card fraud after bank hours or on the weekends, please call 866-546-8273. Remember that Citizens National Bank and our Fraud Protection Center will never ask for personal information such as bank account, debit card, credit card, or social security numbers over the phone.

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Welcome Home Program

Welcome Home Program

The Welcome Home Program offers grants available through Citizens National Bank to assist home buyers. The grants are limited to $5,000 per household, which the home buyer can apply towards the down payment, closing costs, taxes or insurance of their primary residence. Contact one of our experienced lenders at 606.679.6341 for more information about the qualifications for receiving this grant. Welcome Home funds will be available for reservation beginning at 8 AM EST on March 1, 2017, and will remain available until all funds have been reserved.

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CNB Quick Card

CNB Quick Card

Get your new ATM/Debit card in just minutes! The CNB Quick Card is a new service we provide to the customers who need their card NOW. If your card gets lost or stolen, come to the Main Office in Downtown Somerset and we will print a new card for you. The CNB Quick Card will cost a $5 fee for each card printed.*

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Home Buyer Tax Credit

Home Buyer Tax Credit

Are you in the market for a home loan? Do you want to save money?!?! Before you apply for a home loan, call Dennis Tindle at Citizens National Bank. CNB has a fantastic program available that could save you up to $2,000 per year on your federal income taxes for the life of your home loan! Down payment assistance available. Call Dennis today to see if you qualify - 606-678-6710.*

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