Technology Upgrade
Committed to Providing the Best Banking Experience
Banking runs on technology. This technology upgrade has made our electronic systems more robust and efficient so we can better serve you today and for years to come.
Debit / ATM Card Activation
Call 1.866.805.9565. Press 1 for English or follow the prompt for Spanish.
Enter the card number followed by the expiration date as MM/YY.
Enter the last four digits of Primary Account Holder's Social Security Number.
Enter Primary Account Holder's zip code.
Enter Security Code on back of the card.
Enter a four digit PIN of your choice.
If you would like to change your PIN, select that option.
Paper / Electronic Bank Statements
Important Update
Due to the Technology Upgrade, our process to download an eStatement has changed. To download an eStatement, please select the "Download Only" tab at the top left of the screen. Please do not select the download arrow to the top right of the screen, as it no longer acts as a download function.
New eStatements – select to access statements after April 23, 2023. To view new eStatements for the first time, follow the steps below:
- Choose New eStatements from the menu bar.
- The Electronic Statement Authorization form will open. Please print and retain these Terms and Conditions for your records.
- Next, scroll near the bottom of the page where you will find a confirmation code. Keep scrolling until you see a box to enter your confirmation code.
- Enter the code and press continue.
- The Consent and Authorization screen will appear. Please read and then verify your email address in the box by clicking Accept.
- Finally, the Welcome page will appear and your new sStatement will be available after your statement cycle date has occurred.
Business Customers
Please contact the Customer Care Center to request an Alternate Electronic Access Number for use with ReadyLine. Your PIN Number is the last four digits of your business Tax ID number. Once the two numbers are entered, you will be prompted to enter a new PIN Number.
NOTE: For security purposes, you will be required to enter your Alternate Electronic Access Number each time you call ReadyLine moving forward.You may experience delays when making deposits at your branch. For your convenience, most branches have a drive-thru lane designated for business customers. If you have less than 10 deposits, please use the drive-thru lane designated for business customers. If you have more than 10 deposits, please come inside the branch.
ReadyLine 1.866.333.4262
Personal Banking Customers
When you use ReadyLine for the first time after the upgrade, you will be asked to follow a few simple steps to re-enroll:
Select 1 from the main menu.
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Your Alternate Electronic Access Number is your date of birth and last four of your social security number in the following format: MMDDYYYYSSSS. NOTE: For security purposes, you will be required to enter your Alternate Electronic Access Number each time you call ReadyLine moving forward.
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Your PIN Number is the last four digits of your social security number.
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Once you are re-enrolled you will be asked to change your PIN Number.
Business Customers
Please contact the Customer Care Center to request an Alternate Electronic Access Number for use with ReadyLine. Your PIN Number is the last four digits of your business Tax ID number. Once the two numbers are entered, you will be prompted to enter a new PIN Number.
NOTE: For security purposes, you will be required to enter your Alternate Electronic Access Number each time you call ReadyLine moving forward.
New Loan Account Numbers—Effective April 24
Loan account numbers are changing from 11 digits to 9 digits. If you have recently opened or renewed a loan at CNB, and your loan account number is 9 digits instead of 11, no action is required. If however, your existing loan has 11 digits, you will receive a letter in the mail with your new 9-digit loan account number(s). Beginning April 24, 2023, you will need to update your loan number(s) for the following:
- If your loan payment is set up to draft from an account at another financial institution, or scheduled to be paid through Online Bill Payments, you will need to update your loan number.
- If you have recurring transfers between accounts that were set up by CNB, these transfers will automatically update to your new loan number.
- If you use your old loan number on or after April 24, you will receive a letter from CNB reminding you to update your loan numbers.

If you have any questions about updating your loan numbers, please contact the Customer Care Center at 601.693.1331 or your local banker.
Online Banking and Mobile Banking
Consumer Banking
Customers may now view their mortgage loans in Online Banking and Mobile Banking.Consumer and Business Customers
Most online banking transfers between accounts are now working. Initially after the technology upgrade, we were experiencing issues in transferring funds between accounts in online banking. We are pleased to report that most of these issues have been resolved. We are still working to resolve transfer issues that are occurring with certain line of credit products, and we will keep you posted on the resolution of these issues.Zelle is working!
Rapid Deposit ATM
The Rapid Deposit ATM feature is now available at our CNB Branch locations. Thank you for your patience and please resume making deposits at your branch ATM.
Customer Care Center—601.693.1331
Call our Customer Care Center for help with any needs you may have during the upgrade. We have added staff expressly dedicated to answering your questions about the changes.
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Monday - Friday, 8 a.m. - 6 p.m.
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Saturday, 9 a.m. - Noon
Frequently Asked Questions
Yes, our ReadyLine system has been updated with the Technology Upgrade. Please see our ReadyLine section for details.
Yes, you can continue accessing bank statements from the past two years. If you need bank statements that date back farther, you may need to contact CNB’s Customer Care Center at 601.693.1331 to request copies of these statements.
No. After you receive two partial statements due to the Technology Upgrade, you will be back on track to receive a statement every 30 days according to your normal statement ending date. If you have any questions about your bank statement, please contact your CNB banker or our Customer Care Center at 601.693.1331.
No, the $2.00 paper statement fee is charged only once per month.
No, your statement will continue to be produced on the same date each month as always.
Our bank is upgrading to a new system, and this partial statement was automatically generated on April 23 when we discontinued our use of the old system. You will receive another partial statement for the time period of April 24 through May 10 (your normal cutoff date). After May 10, you will be back on track to receive a statement every 30 days. Please be aware that beginning April 24, all bank statements will feature a new design.
Yes, your drafts will continue to work properly. They will not be affected by the Technology Upgrade.
Yes, depending on the branch location. The Rapid Deposit feature should be available at all CNB ATMs by June 30. Notices will be posted on ATMs when the Deposit feature is unavailable. Please come inside the bank to make your deposit.
Yes, all loan numbers will change. If you have a loan with us, you will receive a letter in the mail with your new loan number.
New loan numbers will be effective April 24, 2023. Please be sure to include your new loan number on payments made on/after April 24.
If you pay your loan each month through CNB’s Online Bill Payments, please update your loan number.
If your loan payment is set up on automatic draft with another financial institution, you will need to contact the other Bank and provide them with your new loan number.
While your loan payment will be unposted due to the error in the account number, CNB’s Loan Operations Team will manually correct the entry to make sure that your loan payment is credited to your account.
You will be notified if the entry has resulted in an unposted item so that you can make the correction going forward; however, we will make sure that your payment is credited to your account so that you do not incur any late fees.
No, all ACH Payroll will continue to work as normal before and after the Technology Upgrade.
Yes, your ACH Direct Deposit should be unaffected by the Technology Upgrade. Your funds will continue to be deposited into your account with no issues.
The base rate for our safe deposit boxes will not be changing. If you have an account at CNB which allows for a discount on your safe deposit box, you may see a slight change in the price you pay for your box each month. That is because discounts will be assessed as a percentage of the monthly rental fee going forward instead of a set dollar amount.
No, our Technology Upgrade is taking place so that we can serve our customers with greater efficiency going forward. It has nothing to do with FedNow or Cryptocurrency.
Yes. Citizens National Bank continues to be one of the safest and most secure banks in the nation. We are a Member of the FDIC (Federal Deposit Insurance Corporation) and have been in continuous operation since 1888.
Fraud Prevention
CNB will never ask you to provide or verify your username, password, social security number, or account number through a text, email, or phone call.