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Checking Accounts
Savings Accounts
Certificates of Deposit
Electronic Banking

Personal Loans
Credit Card
Home Equity LOC
Mortgage Loans

Health Insurance
Life Insurance
Brokerage Services
Trust Services
Order In-House Checks

Online Banking

Netteller ID  


Checking Accounts
Electronic Banking
Certificates of Deposit

Equipment Loans
Credit Card
Lines of Credit
Real Estate Loans

Group Health
Group Life
Employee Benefits
Merchant Card Services Order In-House Checks


Online Banking Login
Online Enrollment
Remote Deposit Login
Investor Access
Credit Card Services
Pay Federal Taxes
Client Portfolio Access


At Citizens National Bank we have just the right credit card for you. We have credit card programs that will meet both your personal and business needs. Just select the credit card program of your choice for more information.
Personal Credit Card Offers
Business Credit Card Offers

You may submit your application in the manner that is most convenient for you
  • Print your application and fax the completed application directly to (972)650-7054
  • Take the application to any CNB branch of your choice
  • Email your application to
Once you have received your credit card you may easily pay your payment online at .

We look forward to providing you with the credit card of your choice. Thank you for choosing Citizens National Bank for all your banking needs.

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CNB • P.O. Box 220 • Athens, TN 37371-0220
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*required minimum deposit amounts for demand deposit accounts *check writing limits applicable to certain accounts *service charge/maintenance fee information.