Introducing a new and improved online banking platform to enhance your Digital Banking experience!
We have upgraded our internet banking with a new online banking platform providing a simple, seamless experience, no matter what device you are using. There are many new features to help you improve the way you bank, including enhanced security features and more money management tools.
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.
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.
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!
Take control of transactions performed on your CNB bank cards and receive alert notifications for card activity.
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 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.
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.)
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.
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.
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.
There are several reasons you may be prompted for a verification code:
No, this option is not available. The code can be received using one of the following options:
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.
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.
Yes, at the bottom of the dashboard, click “Organize Dashboard” to drag and drop, delete or add 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 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.
Simply login to your Online or Mobile Banking, select an account, then select “Documents”.
With our free unlimited bill pay service, you can virtually pay any bill from your computer or mobile device.
Select the Transfer icon. Then choose the account you want to transfer From and To. Eligible internal and external accounts will be listed.
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.
A memo line can be added to an immediate transfer. It cannot be added 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.
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.
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.
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.
To schedule a recurring payment or a future-dated payment, select “More Options” to schedule frequency and date.
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.
Transactions appear as pending until they are completely processed.
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.
Under Card Management on your Dashboard, you will have more access and control for your CNB debit and credit card:
Note: Users may have to select ‘Organize Dashboard’ and add the ‘Card Management’ card to your Online Banking dashboard.
You must download the latest version of the Mobile Banking app to have these new features.
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.
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).
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.
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.
For more information, visit Mobile Check Deposit FAQ’s.
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 FAQs
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.
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.
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.
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.
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.
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.
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.
*Loans subject to underwriting and ability-to-repay determinations.
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:
*Safari is not available for Windows access.
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.