Community National Bank & Trust is a member-first institution founded on service excellence and the support of local residents and businesses. In providing the financial solutions and resources current and prospective members need, we take pride in sharing the information that leads to an empowering banking experience.

General Banking


What documentation do I need to bring to open an account?

You will need your driver’s license or other form of unexpired government ID, Social Security Number (card not required but encouraged), proof of physical address if it does not match the ID, and $100.

What is my routing number and why do I need to know it?

Every bank has a transit routing number assigned. If you are providing your account number to someone for payment purposes, the routing number is what tells the vendor which bank has your account. Community National Bank & Trust’s routing number is 101105817.

What is a "pending transaction"?

A pending transaction is one that has not yet cleared your account. Not all transactions will show up as pending before they clear. Pending transactions may also change before they clear. For example, if you’ve used your debit card at a restaurant, the pending transaction may show the purchase amount only, and then the final transaction will reflect the addition of the tip once it has cleared your account.

How do I change or reset the PIN on my debit card?

You can come in to your nearest banking center to change your pin, or you can call 1-855-726-4885 to have the pin number changed.

How do I add or remove someone from my account?

To add someone to your account, you must make sure that person is present with you and has current identification. (e.g., driver’s license, state-issued ID, etc.) A new signature card will be printed for all individuals on the account to sign. To remove someone from your account, we will have to close the existing account and open a new one.

How do I change my mailing address?

To change your mailing address, you can come into your nearest banking center to fill out a change of contact information. If you don’t want to come in, you can go online to, sign in to your online banking, click on self-service, secure messaging, service requests, and then you can request your address to be changed there.

How do I activate my debit card?

To activate your debit card, you can come into your nearest banking center to talk with a customer service representative, or you can call 1-855-726-4885.


Mobile Banking


Will mobile banking work on my cell phone?

Mobile Banking works with virtually all modern cell phones. Depending on your phone’s capabilities and your service plan, you can choose between text banking, mobile web banking, and app banking.

Is there a fee for mobile banking?

CNB&T does not charge a fee but your mobile carrier may charge for data usage or text messaging.

How long does a mobile banking transfer take to post to my account?

Transferring between accounts on your online banking is instantaneous. You can transfer and have access to funds in minutes!

How do I download the mobile app?

The mobile app is available on the app store. You can find us by searching for Community National Bank & Trust. The app is called MyBankCNB, and the picture is a red circle with CNB in the middle against a white background. However, please note that you do have to enroll at before you can use the app.


Mobile Deposit


How do I use mobile deposit?

On the CNB&T app, you will click on the plus sign at the bottom of the screen. On the next screen, you will click deposit. You will then take an image of the front and the bank of the endorsed check. The proper endorsement is for you to sign your name, and under your name write “FOR MOBILE DEPOSIT ONLY AT CNB&T.” Once the front and back of the check has been scanned and submitted, a notification that the deposit has been received will be sent by e-mail to the customer. Once the deposit has been processed, a second email will be sent indicating whether the deposit has been approved or denied. If denied, a reason will be provided.

Will mobile deposit work for any of my accounts?

Mobile deposit currently works for checking, savings, or money market accounts. Please note that an account must be open for a minimum of 30 days before they will be enabled for mobile deposit.

How is a mobile deposit different than a regular deposit?

You will need to use a different endorsement when making a mobile deposit. You must endorse the back of the check you are depositing with your signature and the words “FOR MOBILE DEPOSIT ONLY AT CNB&T.” You will not need a deposit slip!

How much can I deposit when using mobile deposit?

Mobile deposit has a daily limit- 3 deposits per day up to $2,500.00 per day. Over a 5 business day period, a customer can submit 5 deposits totaling $5,000.00.

What types of checks are accepted with mobile deposit?

A mobile deposit can be any check that is payable in U.S. dollars and drawn on any U.S. bank, including but not limited to, personal checks, business checks, and U.S. Treasury checks.

How long does it take a mobile deposit to post to my account?

Mobile deposits submitted before 4:00 PM CST on a business day will be processed that day and show up in your account the next business day. Deposits submitted after 4:00 PM CST or on a non-business day will be processed the next business day and show up the day after that. For example, if you submitted a mobile deposit on Monday after 4:00 PM CST, it would show up on Wednesday.




How do I know a fraud alert is legitimate?

Community National Bank & Trust uses SecurLOCK as our fraud system. They will typically call you when fraud is suspected. The call will always start with an automated system announcing themselves as Community National Bank & Trust. If you don’t answer the phone call, then they will leave a voicemail. In that voicemail, they will give you a case number and a number to call back. They will never ask you for personal information (your account number, social security number, birthdate, etc.). The information they will need is your phone number and case number.

What do I do if I receive a fraud alert?

If you receive a fraud alert call, stay on the line while they read your last several transactions. If they are legitimate transactions, you can confirm them on the phone call. If they are not legitimate, you will need to call your local banking center to get a new card and determine if a dispute needs to be filed. If you receive a text asking if your transactions are legitimate, you can simply reply yes or no. If you confirm the transactions are legitimate, you are good to go! The SecurLOCK phone number is 1-855-961-1602.

What can I do to lessen my chances of fraud?

Third party apps are notorious for fraud. If you need a way to electronically send money, our People Pay option is fast, easy, and secure. Fraud can come through many different avenues. When you are dealing with online merchants, be sure to verify it is a valid website. Two great tools for checking the validity of a website is to look for spelling errors and bad reviews. Be very cautious when clicking on any links that might look suspicious. Always remember that if an offer is too good to be true, it probably is. Community National Bank & Trust debit cards also work with the SecurLOCK Equip app. You can download it from the App Store or Play Store on your mobile device. This will give you the opportunity to monitor your transactions and will give you the ability to turn your card off if you feel like fraudulent activity has occurred.