QR Code for online account opening

Scan the QR code to get started.

Already on your mobile device? Click here.

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Eligible for Online Account Opening

Checking Accounts

  • Simply Checking
  • Rewards +Perks Checking

Savings Accounts

  • Savings
  • Money Market

For all other accounts, visit one of our branch locations.

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Good to Know

Tips before opening your account online:

  • The process takes 5-10 minutes and must be started from a mobile device.
  • You’ll need your Social Security Number and a valid ID.
  • When prompted, take a picture of the front and back of your ID.
  • You’ll then be asked to take a selfie to ensure you’re not a robot.
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New to CNB

In order to open an account online, the applicant must:

  • Be a U.S. citizen
  • Have a valid driver’s license or state ID
  • Be age 18 or older
  • Be a resident of one of these TN counties: Anderson, Blount, Bradley, Cocke, Grainger, Green, Hamblen, Hawkins, Jefferson, Knox, Loudon, McMinn, Meigs, Monroe, Polk, Roane, Sevier or Union

Have Questions?

Contact Us


How do I deposit money into the new account?
The minimum balance to open is waived for accounts opened online. However, we do need at least $0.01 deposited into the account within the first 45 days of account opening, otherwise the account will be closed. Once your account is open, you have several options to make a deposit. You can set up direct deposit, transfer money from a linked account, deposit a check through our mobile app or deposit cash at any branch location.

Can I open an account online if I’m already a Citizens National Bank customer?
If you’re already a CNB customer, simply log in to your Online Banking and select “Open an Account” on the dashboard menu. We already have your ID and personal information on file and will not need to identify you.

Will a debit card be mailed to me?
Yes; debit cards for checking accounts are typically received in 5-7 business days after the account is funded. We do not offer debit cards on savings accounts.

Why do I have to open an account with a mobile device?
Federal law requires all financial institutions to identify each person who opens an account. Because we are not face-to-face, we will require you to use the camera of your mobile phone to take a picture of your ID, and then a live selfie.

I am having issues with the ID scan. What should I do?
If you are having issues scanning your ID, here are a few tips we have found helpful when taking a picture of your ID:

  • Use a dark or black background.
  • Be sure ID is within the frame.
  • Be sure that the photo is well-lit but there is also no glare from overhead lights.

Can I add a joint owner?
Additional applicants can be added and will need to be present with you when prompted to scan their ID and take a selfie. You may also add a joint owner by visiting one of our branch locations.