Cyber Education

Your cyber privacy and protection are important to Citizens National Bank. We employ complex security measures to protect all of our customers from unwanted cyber attacks. Part of our commitment to protect our customers includes education for cyber security.

With the increase in banking technology, criminals are now engaging in Corporate Account Takeover (CATO). According to the Conference of State Bank Supervisors, “Corporate Account Takeover is an evolving electronic crime typically involving the exploitation of businesses of all sizes, especially those with limited to no computer safeguards and minimal or no disbursement controls for use with their bank’s online business banking system.”

Did you know that perpetrators often monitor the customer’s email messages and other activities for days, weeks, or even months before perpetrating the crime? Another unknown fact is that corporate customers are most vulnerable just before a holiday when key employees are on vacation. These are just a few examples of how cyber criminals operate, which is why education plays a pivotal role in protecting yourself from cyber attacks.

If you feel like a cyber criminal compromised your corporate account, then please call Citizens National Bank at (318) 741-3500. Some warning signs that a cyber criminal compromised your computer system include:

  1. Inability to log into online banking (thieves could be blocking access so that you would not see the theft until the criminal has control of the money).
  2. Sudden and dramatic loss of computer speed.
  3. Changes in the way things appear on the screen.
  4. Computer locks up so the user is unable to perform any functions.
  5. Unexpected rebooting or restarting of computer.
  6. Unexpected request for a one-time password (or token) in the middle of an online session.
  7. Unusual pop-up messages, especially a message in the middle of a session that says the connection to the bank system is not working (system unavailable, down for maintenance, etc.).
  8. New or unexpected toolbars and/or icons.
  9. Inability to shut down or restart the computer.

In addition to the items mentioned above, CNB recommends our corporate customers develop an incident response plan. A strong incident response plan should include:

  1. The direct contact numbers of key bank employees. CNB’s telephone number for reporting an online account take over is (318) 741-3500.
  2. Steps the account holder should consider to limit further unauthorized transactions, such as: a. Changing passwords
    b. Disconnecting computers used for Internet banking
    c. Requesting a temporary hold on all other transactions until out-of-band confirmations can be made
  3. Information the account holder will provide to assist the bank in recovering their money.
  4. Contacting their insurance carrier.
  5. Working with computer forensics specialists and law enforcement to review appropriate equipment.



What is Card Alerts?

Card Alerts is a new mobile app that allows you to control how, when and where your debit and/or credit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. Card Alerts can help keep your payment cards safe and provide instant notifications whenever your card is used.

What is required to use it?

Card Alerts requires you have a credit and/or debit card account issued from Citizens National Bank. You will also need an Apple or Android smartphone. After downloading the Citizens National Bank app you will be instructed to register your card and set alerts.

Is there a FEE to use the APP?

No. It is provided to you at no charge so you have more control over your card.

How many cards can I register?

Unlimited. But the card(s) must have been issued from Citizens National Bank.

How Do I get the Card Alerts APP?

It is simple. The Card Alerts feature is integrated within the Citizens National Bank mobile banking app. If you have an iPhone just download the app from the Apple store. If you have an Android phone you download the app from the Google Play store. Once the app has successfully downloaded to your smartphone you can begin to register your cards.

What kind of card can I register?

Debit and or credit.

What kind of mobile devices are supported?

Android – version 4.1 or later and Apple (iOS) – device model 4S, 5, 5C, 5S, 6, or 6 Plus with iOS operating system version 6, 7, or 8 and all future device/release going forward.

What if I am having trouble during registration?

Please use the Contact Us button at the bottom of the landing page and one of Citizens National Bank’s support agents will be more than happy to assist you.

Why Do you need my email address?

Your email address is needed in case you forget your password and need to reset it.


Once I register my cards How Do I begin managing and monitoring my payment activity?

You can begin using the service immediately. By turning the card off the little green button in the top right corner of the card image will turn to red. This means that all transactions (expect for reoccurring) will be declined. When ready to make a purchase simply turn the card bank on. It is that easy. Now you have the ultimate control to combat fraud.

After you become comfortable with the on/off function you can start selectively setting controls and alerts by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spend limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts and much more.

By turning my card off am I closing my account?

No. Using the card controls does not change the status of your account.

How long does it take for a control or alert setting to take affect?

It happens immediately after you set and save the option.

If I have my card turned off will my recurring transactions go through??

Yes. Merchant recurring transactions will be approved. Additionally, you can select to receive alerts on recurring transactions as well.

What is a Real-Time alert?

It is an immediate notification sent to the app. You can select to be alerted on all your payment transactions including recurring payments or you can select just preferred transactions. Preferred alerts are available by spend limits, location, transaction type and merchant category.

Can I use my location, my region and international at the same time?

Where My Locations and My Region work independently or together neither can be used in conjunction with International.

I turned my card on and set my location. I was at the merchant, and my transaction was still declined. why?

In the app go to Transactions, find the one that was denied and open it, tap the image so it rotates, and the control(s) that were evoked during the authorization will be listed near the bottom. The transaction could also be declined because of external factors like non-sufficient funds or fraud monitoring.

My alerts are supposed to notify me of every transaction, but Iam not receiving them.

Only the primary device will receive alerts. Use the settings menu in the app to set your device as primary.

Why Do you need my email address?

Your email address is needed in case you forget your password and need to reset it.