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Minimize Risk

10 steps to minimize your risk of fraud and theft.

1. Never reply to emails, phone calls, or text messages that request your personal information

Citizens National Bank will never contact you by phone or email to ask for your account numbers, PIN numbers, or any other confidential information. Citizens National Bank only asks you for confidential information to verify your identity when you initiate contact with us. To contact us online, type on your Internet browser. To contact us by phone, call (606) 679-6341.

2. Make a list of the contents of your wallet

Make a list of every ATM or debit card, credit card, driver’s license number and other forms of ID you carry in your wallet or purse. Keep the list in a safe place at home and update it regularly. You will need this list if your wallet or purse is ever lost or stolen. Never carry your Social Security Number in your wallet or purse. Also, never carry in your wallet any paper onto which you’ve jotted down PINs, passwords, or login information. If you need to report a lost of stolen 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.

3. Citizens National Bank Security Alerts

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.
Not receiving these alerts? Call (606) 679-6341 to make sure that your email and cell phone numbers are up to date in our system.

4. Go paperless

Click here to sign up for Citizens National Bank’s free Online Statements and Internet Bill Pay 

5. Monitor your paper statement, bills, and online accounts

Check the transactions listed on your bank statements, credit card bills, utility bills, and online accounts regularly for unauthorized transactions. If you spot something suspicious, report it immediately

6. Only do business with companies you know and trust

When making online transactions, be sure the website uses secure encryption. Click here to learn more about secure websites. 

7. Protect your PC with up-to-date anti-virus software

Click here to learn more about protecting your computer from viruses and other malware.

8. Be cautious when sharing a computer

If you use a shared computer – such as a library or lab computer – or share a computer with roommates, log out and clear cookies after every computer session.

9. Password protect your electronics

Enable the password feature on your cellphone, laptop, Kindle, iPad, or any electronic devices that contain personal information about you – including, phone numbers, banking information – anything you don’t want in the hands of strangers. If your password-protected device is lost or stolen, your personal information is not immediately accessible to others. Additionally, most devices have “remote wipe” capability that allows you to erase addresses, phone numbers, emails, photos and other sensitive content on a lost or stolen phone. Wiping a lost or stolen phone restores the device it to its factory settings. Refer to the manufacturer’s website to learn specifics for your device.

10. Watch your U.S. Postal mail

Missing bills or statements may indicate someone is tampering with your mail or your identity. To prevent mail fraud:
• Consider going paperless for your banking needs.
• If you will be away from home for 3 - 30 days, sign up for “Hold Mail Service.” The Post Office has a forwarding service if you will be gone more than 30 days.
• Call the U.S. Postal Service at (800)-275-8777 or submit a “Mail Hold” request online


IMPORTANT! Citizens National Bank will never call or email you to ask for your account number or other confidential information. The only time we might ask for personal information (such as the last four digits of your Social Security Number) is when you contact us.

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