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Card Services

In addition to using checks to withdraw funds or pay your bills, Citizens National Bank also offers both debit and ATM cards for your convenience. Our debit cards can do so much more, and they reduce the burden of purchasing checks and eliminate the risk of running out when you're at the checkout. CNB has two card options to suit your needs!

VISA® Debit Cards

Our debit cards, also referred to as check cards, enhance your checking account by offering you a faster, more economical, more convenient way to buy the products and services you need. It allows you to withdraw funds from your checking account without ever having to write out a check. You can use your debit card wherever VISA® is accepted to purchase groceries, gas, or anything else. Your check card also performs all the functions of an ATM card. You'll no longer have to worry about carrying checks everywhere you go, because your checking, withdrawing, depositing, and transferring can all be done securely from your debit card. To apply, stop by a CNB location and fill out an application today!


If you need to withdraw funds outside of regular banking hours, ATM cards are a secure and convenient way to access your accounts anytime! Similar to debit cards, ATM cards allow you to withdraw, deposit, or transfer funds without paperwork. Simply visit one of Citizens National Bank's ATM location to access your accounts without fees or service charges. You can use your ATM card wherever STAR cards are accepted. Fees may apply from other ATMs. To apply, stop by a CNB location and fill out an application today! Approved applicants receive their cards immediately and can use their ATM cards the next business day.

Fraud Protection

Both your VISA® debit and your STAR® ATM card are assigned a personal identification number, or PIN, as an added safeguard to prevent unauthorized use. In addition, there are daily cash withdrawal limits and point-of-sale purchase limits. Citizens National Bank utilizes 24/7 fraud monitoring services through our risk management provider. They monitor transactions on your cards and will block anything deemed suspicious, either through manual review or automated algorithms that track the riskiest transactions.

In addition to 24/7 fraud monitoring services, our staff also monitors suspicious activity on reports generated from our card processor, data processor, Visa alerts, and other resources and notifications. As part of our fraud prevention methods, you may be contacted by our staff or our fraud prevention team via phone to verify activity on your card. Our staff will never ask you to provide personal financial information during these calls. We will merely notify you of suspicious activity on your card and ask you to verify if it was authorized as an additional security measure. Our fraud analysts are available for general questions as well.

If our Staff or our Risk Management team has contacted you previously about a fraud case and you are returning our call outside normal banking hours, please call (800) 417-4592. If you ever notice unauthorized or fraudulent charges being made on your account, or if your card is lost or stolen, always contact the bank as soon as possible or contact the above phone number. In the event that we are not open or your call is placed outside normal banking hours, please call (866) 546-8273 if your card has been lost or stolen.

Stop identity theft before it even happens - visit the Federal Trade Commission's (FTC) consumer website at for more information.

Card Safeguards and Advice

  • Never give your personal financial information over the phone or engage in a suspicious transaction with your card - contact us immediately if you feel your card or account information has been compromised
  • Keep your contact information (phone, e-mail, and address) up to date - we will use this information to contact you in the event we need to verify activity or are closing your card due to it being compromised
  • Enroll in online banking to monitor your account on a regular basis and have access to additional card features - notify us immediately if you notice unauthorized or fraudulent activity on your account
  • For additional safeguard tips, please click here to view our slideshow that was presented at the 91st Annual Convention of the Ohio Fair Managers Association by Citizens National Bank.

Lost or Stolen Card

Your card is safeguarded by your personal identification number (PIN). In the event it is lost or stolen, your PIN prevents fraudsters or thieves from accessing your accounts. As an added safeguard, there are daily cash withdrawal limits and point-of-sale purchase limits. If your card is lost, stolen, or otherwise compromised, please contact us immediately during regular banking hours so we can block or close your card and issue you a new one. In the event that we are not open or your call is placed outside normal banking hours, please call 1-866-546-8273 to report your card has been lost or stolen.

Online or Mobile Banking Options

If you have online or mobile banking, you are given the additional feature of blocking your ATM or debit card. This is especially useful if your card is lost, stolen, or compromised when you are unable to contact us.

For online banking, navigate to your settings tab and click ATM / Debit Card. Select the card you wish to flag as lost or stolen and click submit. On mobile banking, access the menu and select Cards. Select the card you wish to suspend or report as lost or stolen. Suspending your card blocks it temporarily, allowing you time to find your card if it is lost. Flagging your card as lost or stolen will permanently block your card.

Note: Flagging your ATM or debit card as lost or stolen is irreversible and will result in your card being permanently blocked. Additional fees will apply if these features are abused. Suspended cards are monitored daily and you will be contacted if your card if left in a suspended state for an excessive period of time.

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