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.

Effective August 27, 2014

All supermarket, discount store (Walmart, Kmart, Meijer, etc), and pharmacy purchases made with a consumer debit card will be required to enter a Personal Identification Number (PIN) at the transaction terminal OR have the store clerk manually enter the debit card number. This restriction applies to all states in the United States, regardless of the dollar amount. We apologize for the inconvenience, but it is for the consumer’s protection against recent fraud activity.



In an effort to help protect our customers’ debit card transactions, we have added additional technology to help prevent fraud. You may receive a call from our ATM/Debit card vendor, JHA/PassPort Risk Management, to verify transactions.


Due to fraud, we have chosen to block or restrict all countries. Restrictions on countries may be lifted by notifying our ATM Department prior to travel at 606-679-6341.


Lost or Stolen Cards

For your convenience and the security of your debit card, contact Citizens National Bank at 606-679-6341 during business hours.

After business hours, please call Lost and Stolen card services at 866-546-8273.