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Online & Mobile Banking


CNB continues its long tradition of providing you with local convenience and flexibility by offering the latest digital banking channels to securely manage your accounts from anywhere, at any time, for free. Our online and mobile banking services provide a simple, seamless experience, no matter what device you are using.

Online Banking with Bill Pay

Manage your accounts anytime, anywhere. With our free unlimited bill pay service, you can virtually pay any bill from your computer or mobile device.


e-Statements provide a fast, safe, and secure way to receive your monthly bank statements.

Mobile Banking with Mobile Deposit

Everything you can do on a desktop, you can do in the app. Log in faster with quick access and use Mobile Deposit. Download the free app today!

download on the app store get it on google play
Alert Notifications

Take control of transactions performed on your CNB bank cards and receive alert notifications for card activity.

MyFinance Budgeting & Planning

Manage money, monitor spending and reach your financial goals with MyFinance, a personal financial management tool.


Now there’s a better way to manage your cash needs with CashPlease, a small-dollar, short-term loan.


Click on the links below for more information about specific services we offer.

Two-Factor Authentication Process +

What is two-factor authentication?

Two-factor authentication is an added security feature that helps safeguard your account information. To implement 2FA, you will need to enter an email address and a phone number (mobile or landline). Once this information is entered, you’ll choose one of three options to receive a one-time verification code: (1) Text message to the mobile phone entered, (2) Automated phone call to phone number entered, or (3) Authy Authenticator App (download the app here). After entering the verification code, you have the option to select “Don’t ask for code again on this computer.” This allows you to avoid having to enter a verification code during each login. This option should never be selected on a shared or public computer.

How does the phone call verification process work?

If you select to receive a phone call (cell phone or landline), you will enter a single specific digit, as directed, before the verification code is provided. If you do not answer the phone call, please note that a second call will not be made automatically and the system will not leave codes on voicemail. Therefore, if you do not answer the authentication phone call, you will need to select the option to have the code re-sent. (Note: The “from” phone number may be listed as coming from anywhere in the US.)

What should I do if I did not receive a verification code to continue with the two-factor authentication enrollment?

Please be sure the phone number you entered is correct. If it needs to be changed, contact our CNB Call Center at 865-429-7521.

How much time do I have to enter the verification code?

Codes received by text or phone are valid for three to six minutes and will expire after that time. On the Authy App, the code changes every 20 seconds.

Can I lock myself out from entering an incorrect verification code?

Yes, you can get locked out if too many attempts are made with an incorrect verification code (more than six times in a single hour). There is no manual reset for this; you will need to wait an hour to try again following your first attempt. If you make more than 20 unsuccessful attempts in a 24-hour period, your login will be ‘Suspended’ and you will not be able to attempt again for 24 hours. If you have questions or need additional assistance, please contact the CNB Call Center.

If I selected “Remember this computer,” why am I being asked for a verification code each time I log in?

There are several reasons you may be prompted for a verification code:

  • if you log in on different browsers
  • if you deleted your browser history
  • if you have your browser settings set to delete your cookies and history automatically
Can I receive the two-factor authentication verification code via email?

No, this option is not available. The code can be received using one of the following options:

  • Text message
  • Phone call
  • Authy App (A third-party app that generates a one-time passcode. To register you will need an email address and phone number.)
How can I reset my two-factor authentication?

You can reset your own two-factor authentication in both the app and online by going to your Profile page, then select ‘Security’ within the ‘Settings’ area.

Your Dashboard +

After successfully signing in, the first screen you see is your “Dashboard.” A list of your accounts is presented at the top. To view all accounts on one screen, select “View All.” Beneath your account listing, Quick Actions are presented (Transfer, Pay, Deposit, Message). Under the Quick Action icons you will find Transactions, Payments, Transfers, Card Management, etc.

Can I reorganize my dashboard?

Yes, at the bottom of the dashboard, click “Organize Dashboard” to drag and drop, delete or add information.

How can I find account-specific information?

The dashboard activity displays transactions from all accounts. To search for account-specific information, simply click on the account tile to view transactions for that specific account.

e-Statements +

e-Statements are the same thing as paper statements except it is available online. When the statement is ready, an email is sent notifying you that your e-Statement is available.

  • Free, secure and convenient
  • Save time, protect against mail fraud and preserve the environment
  • Receive email notification when your statement is processed
  • Print or save to your PC
  • Request additional email recipients
  • Self-enrollment
How to self-enroll for e-Statements:

Simply login to your Online or Mobile Banking, select an account, then select “Documents”.

Bill Payments and Transfers +

With our free unlimited bill pay service, you can virtually pay any bill from your computer or mobile device.

  • Pay bills one-time or recurring bills with ease
  • Schedule future and recurring payments
  • Transfer funds from your deposit account at CNB to accounts at other financial institutions
  • Send monetary gifts or donations with a personalized message with Gift Pay
  • Use Voice Bill Pay to pay your bills with your Alexa-enabled device.
How do I transfer money between my accounts?

Select the Transfer icon. Then choose the account you want to transfer From and To. Eligible internal and external accounts will be listed.

What are the cutoff times for transfers?

The cutoff time for transferring funds between Citizens National Bank accounts is 7 p.m. for each business day. External, or Bank-to-Bank, transfer cutoff time is 2 p.m. each business day.

Can I add a memo line to a transfer?

A memo line can be added to an immediate transfer. It cannot be added to recurring or future-dated transfers.

Why am I unable to add a memo to recurring or future-dated transfers?

Memos are not an option for recurring or future-dated transfers; however, you can add a “tag” to transactions that will appear after the transfer posts to your account.

Can I make a person-to-person transfer?

Yes. The recipient’s phone number and e-mail address are required. On your desktop, select “Pay a person” from the Payments box, or select the “+” at the top of the “Payments” box from your mobile app and then choose “Add a person.” You must then select a Keyword that you will share with that person. After submitting the information, confirm your password to continue the process. After sharing the keyword with your payee, they must then activate their account so you can send payments. You will receive an e-mail notification when the payee has activated their account.

Will I be able to delete transfers once they have been submitted?

No, internal and external transfers cannot be deleted once submitted. If a transfer was submitted mistakenly, a new transfer will need to be set up to move the funds back.

How do I make a loan payment?

Select the Transfer icon and choose the checking or savings account you want to make your payment from. Then select your loan account to transfer to. To schedule a recurring payment, select “More Options” to schedule frequency and date.

Can I set up automated loan payments?

To schedule a recurring payment or a future-dated payment, select “More Options” to schedule frequency and date.

Managing Accounts & Transactions +

How do I set up an account alert?

Select the account you would like to add an alert to and then select “Alert preferences.” You may set up balance or transaction alerts based on low or high thresholds. You may choose to receive alerts by email, text or within the app.

Why are transactions labeled as pending?

Transactions appear as pending until they are completely processed.

Can I view my statements?

Yes. To view your statements, choose the account you’d like to review and select “Documents.” If you are currently not signed up to receive statements, you have the option to enroll at the top of the screen.

Managing Debit & Credit Card Access Controls +

What controls are available for managing my debit and credit cards?

Under Card Management on your Dashboard, you will have more access and control for your CNB debit and credit card:

  • Report a card lost or stolen
  • Turn your card on or off to prevent fraud and unauthorized access
  • Add and remove travel notices
  • Reorder and activate a new card
  • Set transaction limits
  • View transaction details including decline reasons
  • Tag transactions and add memos
  • Exclude certain merchants
  • Receive alert messages via email, text or within the Mobile Banking app.
Where is the new Debit Card control features found in Online & Mobile Banking?
  • Enable/Disable a card, Report your card lost or stolen, and Alerts and Protection tabs can be found on the main dashboard in the ‘Card Management’ card, or by selecting the ‘Card Management’ tab when navigating into an account that has a debit card tied to the account.

Note: Users may have to select ‘Organize Dashboard’ and add the ‘Card Management’ card to your Online Banking dashboard.

Why can’t I see the card control feature in the Mobile Banking app?

You must download the latest version of the Mobile Banking app to have these new features.

How do I turn on alert notifications on my debit or ATM card?

Click on the card located in the ‘Card Management’ section, select the appropriate card, then select Alerts and Protection. You can select to be notified for all transactions, by specific merchant types, transactions types, and transaction & monthly spending limits.

How do I search for a specific debit card transactions in my account transaction history?

In your transactions, click the search icon located at the top right of the screen. In the search field, enter the last four digits of your card number and tap the search button (Mobile Banking) or the enter key (Online Banking).

Set Up Travel Notifications +

Setting up travel notifications lets us know that you’re planning to use your debit card while traveling. It will help avoid interpreting any unusual activity as potential fraud.

How do I set up a travel notice for domestic travel within the United States?
  • Login to the Mobile App or Online Banking
  • Tap “Settings”
  • Select “Travel Notice”
  • Add your destination and travel dates
  • Select the card you will be using
  • Tap “Save”
Can I set up a travel notice for international travel?

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

Mobile Banking with Mobile Deposit +

You no longer have to interrupt your busy schedule to go to the bank. With CNB’s digital banking channels, we make it easy for you to manage your accounts directly from your mobile device. Download our free mobile banking app and login with your Online Banking credentials.

download on the app store get it on google play

Mobile Deposit

One of Mobile Banking’s most convenient features lets you securely upload deposits right from your mobile device, so your hard-earned money goes to work for you even faster.

  • Deposit from anywhere using the Mobile Banking app on your smartphone or device
  • Deposit with confidence in Mobile Banking’s secure banking environment
  • Deposit for free when you download the Mobile Banking app to your smart device and link your CNB accounts

For more information, visit Mobile Check Deposit FAQ’s.


MyFinance Budgeting & Planning +

MyFinance is a no-cost personal financial management tool to help you reach your financial goals. It’s easier to manage money, monitor spending and actually see where your money goes. Get started today!

Cash Management Business User FAQ's +

Cash Management Business User FAQs

How do I initiate an ACH template?

There is a feature in the menu options titled ‘Approve ACH’ to initiate an existing ACH batch that does not require changes to the dollar amount of the batch. Should you need to make changes to the dollar amounts, click on the ‘Cash Management’ tab in the menu option. From there you’ll see the screens to initiate and manage your ACH transactions. Simply click on the ‘Dashboard’ tab to go back to viewing account balances and transaction information.

How do I initiate a Wire Transfer?

There is a feature in the menu options titled ‘Approve Wire’ to initiate and approve a wire transfer template or to approve a wire transfer once it has been initiated if it is a new beneficiary or one-time wire. Should you need to add a new beneficiary, edit an existing template, or initiate a one-time wire, click on the ‘Cash Management’ tab in the menu option. From there you’ll see the screens initiate new wire transfers or edit your existing templates. Simply click on the ‘Dashboard’ tab to go back to viewing account balances and transaction information.

How do I upload a positive pay file and decision positive pay exception items?

To access positive pay functions, click on the ‘Cash Management’ tab in the menu option. From there you’ll see the screens to manage positive pay. Simply click on the ‘Dashboard’ tab to go back to viewing account balances and transaction information.

Intuit Financial Software (Quicken & Quickbooks) +

Does Citizens National Bank offer connections with Intuit financial software, Quicken and QuickBooks?

Yes, if enrolled for Online Banking, you can download your transactions directly from within Online Banking and import them into Quicken / QuickBooks to update transactions and balances.

What is the difference between Intuit’s Web Connect and Direct Connect?

Web Connect allows you to download your transactions directly from within Online Banking and import them into Quicken / QuickBooks. Direct Connect allows “Intuit” to directly connect and access your CNB accounts on your behalf. Questions about Intuit products and features should be directed to Intuit support: 1-800-446-8848.

Will my third-party aggregators, such as Mint, Acorn, etc., still be able to access my online banking accounts?

If this connection is not working properly, please inform your provider that you are having issues so they can work to correct it on their end.

CashPlease Small Dollar, Short-Term Loans +

When life throws you a curve ball and you need easy access to cash, there’s no need to pay ridiculously high interest rates on payday loans.

  • No credit report review*
  • Loan funds deposited in 24 hours
  • Easy Pay option deducts repayment automatically from your account
  • Reasonable interest rates and fees
  • Loan is repaid in 4 installments over 4 months
  • Ability to apply for a loan 24/7. Apply online!
  • Learn more about the benefits of CashPlease

*Loans subject to underwriting and ability-to-repay determinations.

Supported Devices & Browsers +

What browsers are supported?

We recommend downloading the current version of Google Chrome, Microsoft Edge, Firefox, or Safari*.
Microsoft Internet Explorer is not a supported browser and you may be denied access to the platform.
To download the latest browsers, click the links below:
Google Chrome
Microsoft Edge

*Safari is not available for Windows access.

Start a Conversation +

Have a question? Send a secure message directly to us using the “conversations” function within your Mobile and Online Banking. You can also attach files by selecting the attachment option.

Conversations Quick Access Guide

How to start a conversation

To start a conversation, find “Start a conversation” under “Support” or “Messages”, or simply click on the “Message” icon on your dashboard.

Attaching transactions to a conversation

The instructions below shows how to complete the task while within the conversation. However, you can also begin a conversation about a transaction or add a transaction to an existing conversation by clicking on the transaction and selecting “Ask us about this transaction”.

  1. While in a conversation, select the circled dollar sign symbol
  2. Use the “Search transactions” field to find the relevant transaction
  3. Select a transaction to add it to the conversation as an attachment
  4. Select Send
Attaching payments to a conversation

The instructions below shows how to complete the task while within an existing, open conversation. However, you can also begin a conversation about a payment or add a payment to an existing conversation by navigating to “Payments”, selecting a payment, then selecting “Ask us about this payment”.

  1. While in a conversation, select Payments
  2. Use the “Search payments” field to find the relevant payment
  3. Select a payment to add it as an attachment to the conversation
  4. Select Send
Attaching accounts to conversations

The instructions below shows how to complete the task while within an existing, open conversation. However, you can also begin a conversation about an account or add an account to an existing conversation by navigating to “Accounts”, selecting the account, then selecting “Ask us about this account”.

  1. While in a conversation, select Accounts
  2. Use the Search accounts field and the filters to find the relevant accounts
  3. Select the check boxes to choose one or more accounts to send as an attachment
  4. Select Send

Online Banking User Guide

Questions? We’re here to help.

Our Online and Mobile Banking platform offers secure messaging right from within your account profile. This digital support channel allows us to assist you with transactions and problems directly. Just “Start a conversation” to message securely with our support team and get the answers you need.

To start a conversation, find “Start a conversation” under “Support” or “Messages”,  or simply click on the “Message” icon on your dashboard.