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Report Suspicious Activity

Criminals have many clever ways to steal from unsuspecting consumers.

For example, fraudsters may send you emails or direct you to websites that appear to be legitimate bank sites, then ask you to enter your account number. If this happens to you, you are being targeted for fraud and should report it to us immediately. Citizens National Bank will never contact you to ask you for account numbers or other confidential banking or personal information.


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.

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.

Report Missing Replacement Cards

When your card expires, we will send you a new one. If your mail is stolen, your new card may fall into the wrong hands. Call us if you don’t receive a replacement card before the expiration date listed on your current card.

Keep an Eye Out for Suspicious Activity on Your Citizens National Bank Accounts

Monitor your statements closely, and immediately report any transactions you don’t recognize to us immediately.  Contact Citizens National Bank at (606) 679-6341 during business hours. 

Beware of Suspicious Emails

Criminals may send you “phishing” emails designed to trick you into downloading malware or revealing confidential banking information Learn the signs of a phishing email.

Be Wary of Suspicious Text Messages

Scam artists may send a text message to your mobile phone that tries to trick you into revealing confidential banking information. This practice is called “smishing” Learn how to recognize suspicious text messages.

Recognize Suspicious Phone Calls or Voice Messages

People who call and ask for confidential banking information are most likely criminals.
These people may sound legitimate, but don’t believe them. Citizens National Bank will never contact you to ask for personal information.
We will only request confidential information to verify your identity when you initiate contact with us.
Learn how to recognize fraudulent phone calls and voice messages.

How to Report Suspicious Email, Text Message, Phone Calls or Voice Messages

If you receive a suspicious messages, immediately call us at (606) 679-6341.

Report Identity Theft

Identity theft is the illegal use of someone else's personal information (such as a Social Security number or bank account number) in order to obtain money or credit.
If you think someone has stolen your identity, report it immediately to CItizens National Bank. Click here for more details on how to report Identity Theft.  

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