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

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.



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.

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.