stack of credit cards

Bank Cards


When you’re ready to make a purchase or take a cash advance, you need options that help you manage your cash flow and stay within budget. CNB bank cards give you that flexibility while protecting you from fraud and identity theft. CNB is proud to be the first local bank to introduce chip technology, which is now featured on all of our credit and debit cards to provide you with the highest level of card security.

Whenever you are ready, CNB is here for you. Stop by a branch, connect with us via Live Chat or call a CNB representative at 1 (865) 429-7521 to learn more about CNB’s Bank Card options.

Bank Card Options

Debit Cards

Use your CNB debit card to make purchases wherever Visa is accepted.

Convenience Features

  • Use your PIN or your signature when making a purchase and the funds will be deducted from your CNB checking account
  • Instant On/Off Control of your CNB debit card to prevent fraud or unauthorized access using CNB’s Mobile Banking app.

CNB Fraud Center

  • To help protect your account, CNB uses a 24/7 debit card monitoring system that will notify you via email, text and automated phone call in the event that possible fraud is detected.

Traveling Out of the Country

  • For your protection, foreign activity on CNB debit cards is automatically blocked
  • To unblock it while traveling, call 1 (865) 453-9031

Report a Debit Card Issue

  • Within the US: 888-297-3416
  • Outside the US: 206-389-5200

Instant Issue Debit Card

  • Visit a branch to receive your new debit card within minutes of account opening or replacement request
Credit Cards

Apply for your CNB Credit Card today, which has no annual fee and competitive rates.

Convenience Features

  • Five-day grace period beyond payment due date
  • View transactions and receive immediate credit for payments initiated through CNB’s Internet Banking feature. Contact our Call Center at 865-429-7521 to enroll in Internet Banking and specify you wish to be able to view your credit card
  • Once enrolled in Internet Banking you may download the CNB mobile app where you can also view transactions and receive immediate credit for payments initiated through the app
  • If you are already enrolled in Internet Banking your CNB credit card information will be viewable with no action required on your part
  • If you already utilize the CNB mobile app your CNB credit card information will be viewable with no action required on your part
  • If you wish to mail your payment or initiate your payment through a different financial institution’s bill pay system you will need to use the following address: Citizens National Bank P.O. Box 650789, Dallas, TX 75265-0789. Posting of these payments will be contingent upon the mailing time and/or processing method of the financial institution’s bill pay system
  • If you wish to view statements, schedule future or recurring payments and/or enroll in estatements as well as being able to view transactions click here to enroll in CNB’s credit card management website

Report a Credit Card Issue

Lost or stolen: 1-855-293-2458

Gift Cards

Sometimes choice is the best gift. A CNB gift card lets the recipient use it like cash anywhere Visa is accepted.

Possible Fees

  • A $2.50 fee may apply at card purchase
  • A $2.95 monthly activity fee may apply after 12 consecutive months of inactivity

Report a Gift Card Issue

  • Lost or stolen (a $5 may apply): 1 (800) 827-6227