Traveling Abroad

If you plan on traveling internationally then you’ll want to read these tips on how to pay and to keep your finances safe while traveling abroad. 

Before You Travel Overseas

Inform the Bank

If your bank sees a lot of transactions overseas then they might start to suspect fraud and freeze your card. To make sure this doesn’t happen, contact your bank and let them know where and when you will be traveling. If you are a Citizens National Bank customer, you can notify us by contacting Customer Service or your local CNB branch.

Have Two Forms of Payment 

It is a good idea to carry two forms of payment when traveling abroad in case one of the payments is not accepted. You can carry a debit card and a credit card or two credit cards. CNB also offers Multi-Currency Travel Cards which are chip and PIN enabled (see product page for fee information).

Know Your PIN 

Memorize your debit card PIN and make sure your PIN is no longer than 4 digits and that it does not start with a zero. If you are an existing CNB customer, to change your PIN visit your local CNB branch.

Pay Your Bills 

Be sure to pay all your bills before you travel and if you will be gone for an extended period of time then you can schedule future payments. If you are an existing CNB customer, CNB offers Bill Pay through Online Banking and Mobile & Tablet Banking Apps so you can pay your bills while away from home.

Stay Informed 

Keep up with your accounts with online and mobile banking while you’re away from home. CNB offers Online Banking and Mobile & Tablet Banking Apps.

Make Copies 

  • Make photocopies of your passport, credit and debit cards and keep them separate from your actual passport and cards.
  • Make sure to keep the copies somewhere secure like a room safe.

While Traveling

Using ATMs

  • Look for ATMs that display the same logos that are found on the back of your card
  • Stay alert and avoid ATMs with too many people hanging around them

Making Purchases

  • Pay with local currency
  • Use plastic for large purchases
  • Use cash for small purchases
  • Double check your receipt before signing
  • Keep all your receipts