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Credit Card

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At Citizens National Bank, our industry leading consumer and business card products offer competitive pricing combined with a full range of reward options – making it easy to select and apply for the card that meets your needs. Learn more or apply now.


My Account Access

If you are an existing Citizens National Bank credit card holder, follow the My Account Access Link.


Debit Card

CNB Quick Card

Get your new ATM/Debit card in just minutes! The CNB Quick Card is a new service we provide to the customers who need their card NOW. If you card gets lost or stolen, come to the Main Office in Downtown Somerset and we will print a new card for you. The CNB Quick Card will cost a $5 fee for each card printed. 




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. 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.


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 888-297-3416.


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