Introducing Chip Technology​, the new standard for security.​

We are proud to be the area’s first local bank offering chip technology-equipped  credit and ​debit cards. The embedded microchip provides extra security against fraud by encrypting customer data when used at chip-enabled terminals. Its proven technology is rapidly gaining popularity and is used in more than 130 countries worldwide. CNB has implemented this technology making your CNB card more secure.

 If you have not received your new chip debit card in the mail, please contact us at or at (865) 429-7521 or stop by one of our convenient branch locations. It is important that you activate your new chip debit card as soon as possible following the instructions provided with your card to avoid service disruptions. Beginning June 13, 2016, your old magnetic stripe card will be deactivated and will no longer work.

 Your chip debit  and credit ​card​s​ can be used on chip-enabled terminals and ATMs, as well as, terminals and ATMs where only magnetic stripe transactions are accepted. Please note that your newly issued chip debit card will have a new expiration date. You will need to update the expiration date for any recurring payments you may have scheduled on your debit card.
Be sure to activate your new chip debit card prior to June 13, 2016 to avoid service disruptions.


For your convenience, you can change your PIN number at any of CNB’s 19 branch ATM’s or by simply calling 1-844-221-1004.
In order to change your PIN, you must know your current PIN number.

Changing Your PIN at the ATM

  • Choose the PIN change option
  • Enter your new PIN number twice

Allow a few minutes for the change to take effect before performing a pin based transaction.

 Changing Your PIN by Phone

Simply call 1-844-211-1004 and follow the prompts:

  • Enter the card number
  • Enter the current PIN
  • Enter the new PIN
  • Enter the new PIN a second time
  • Confirm the change
  • Wait for the confirmation number

After following these steps, the PIN change is immediate.

Please Note the following Security Measures:

  • In order to prevent debit card fraud, it is periodically necessary for blocks to be placed on certain merchants and transaction types.  Some blocks require the use of your PIN to complete a transaction.  If you do not know your PIN you may choose one at any of our 19 locations.  If you are not in the area you may call us at 865-453-9031 to request a PIN.
  • If you are declined during a transaction ask the merchant to run the transaction again using your PIN instead of your signature.
  • In all drug stores, discount stores (Walmart, Dollar General etc), and grocery stores outside the state of Tennessee your PIN must be used to complete the transaction.

Click here to view current debit card usage restrictions and fraud alert notifications

Use the form below to sign up for Security Alerts.  These alerts would include debit card blocks, notices of merchant security breaches, and general security news.

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To Report a Lost or Stolen Card

Click here for more information on identity theft.

To Access Your Credit Card Management Portal please click the link below.

Please note the following daily debit card limits:

  • Fresh Start Checking: $1000
  • All Other Personal Checking Accounts:  $3000
  • Business Checking Accounts:  up to $5000
  • If you have questions about your debit card limit, please call the CNB Call Center at (865) 429-7521