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.

Debit Card Restrictions

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, STAR/First Data, to verify transactions. Due to fraud, the following states and countries are either blocked or have limitations on debit card usage.

United States

ALL states, excluding Kentucky and Tennessee, are blocked from swiped signature transactions at all merchants except video stores and insurance companies. The cards can still be used with the PIN or manually keyed by the merchant in all states.

Foreign Countries

Debit cards are now blocked in all foreign countries for swiped signature transactions.


Effective July 22, 2013, all Citizens National Bank debit cardholders may contact the bank to notify us that you are traveling and to allow your card to be used wherever you  may choose.