This Agreement revised and effective as of November 2018


By visiting and using Citizens National Bank (CNB) and its subsidiaries’ websites, referred to as “CNB WEBSITES”, you indicate your acknowledgement to the following ‘Terms of Use’.

CNB may revise these ‘Terms of Use’ at any time by updating this web page; revisions will be binding upon all visitors to CNB WEBSITES. You should therefore visit this web page, from time to time, to review these ‘Terms of Use’.

For purposes of these ‘Terms of Use’ references to “Citizens National Bank” and “CNB” include its subsidiaries, affiliates, directors and employees.

Computer Requirements

To use CNB WEBSITES, you must have a device (personal computer, tablet, smartphone, etc.) that is connected to the internet. You are responsible for the selection, installation, maintenance and operation of your device and software. CNB is not responsible for any errors, failures or malfunctions of your device or software. You are responsible for ensuring that your device and software are compatible with CNB WEBSITES. We reserve the right to change the system requirements for using CNB WEBSITES at any time.

Online Banking Services

These ‘Terms of Use’ apply to all CNB web services that require registration, such as CNB Online and Mobile Banking, Business Banking Online, Bill Pay or any CNB website or service that requires a separate registration, disclosure, and terms and conditions.

Laws and Regulations

Access to and use of CNB WEBSITES is subject to all applicable federal, state and local laws, and regulations.  These “Terms of Use”, including any dispute related thereto, shall be governed and construed in accordance with the laws of the State of Texas and applicable federal law.  Any suit or other action arising out of or relating to these Terms of Use shall only be brought in a court of competent jurisdiction in the Eastern District of Texas.

Copyright and Trademark Information

The logos, information, images and resources contained in CNB WEBSITES is property of Citizens National Bank. Trademarks that are not owned by CNB will be designated as belonging to third parties. Nothing contained on CNB WEBSITES shall be interpreted as granting by implication, estoppel or otherwise any license or right under any patent, trademark, copyright (except as expressly stated above) or proprietary rights of CNB or of any third party.

Logos of CNB and its subsidiaries are property of Citizens National Bank and cannot be used without consent from Citizens National Bank.

The CNB website, including this page, may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Certain images and information at the CNB website are the copyright or trademark of third parties and any use is subject to the ‘Terms of Use’ of those third parties.

Limitation of Liabilities and Warranties

Information on CNB WEBSITES is provided “as is” and on an “available” basis.

CNB strives to provide accurate and up-to-date information on CNB WEBSITES, but information contained on CNB WEBSITES may include technical inaccuracies or typographical errors. CNB from time to time amends, changes, adds, deletes, updates or alters the information contained on CNB WEBSITES, including information regarding the products and services described on CNB WEBSITES, without notice. CNB assumes no liability for any errors or omissions in the information contained at CNB WEBSITES.

In no event shall CNB be liable for any damages, whether punitive, special, direct, indirect, exemplary or consequential, including but not limited to loss of use, data, or profits, without regards to the form of any action, including but not limited to contract and tort actions (including libel), arising out of or in connection with the use, copying or display of, or the interaction or any other form of communication with, CNB website and the information contained on CNB WEBSITES; this includes via virus, malware or any other form of software.


Opting out of CNB marketing does not apply to CNB WEBSITES; by using CNB WEBSITES you agree that we may market our services and the services of other companies on CNB WEBSITES using banner ads, hyperlinks and other similar marketing devices.

Non-affiliated companies will be solely responsible and liable for the provision of or failure to provide stated services, benefits or products. CNB does not legally endorse or guarantee products or services provided by non-affiliated companies and such products or services are neither FDIC insured or bank guaranteed.

Links to Other Internet Websites

Some links on CNB WEBSITES are to websites controlled by third parties and are not under the control of CNB. Although CNB may provide a link to a third party, such a link is not an authorization, endorsement, sponsorship or affiliation by CNB with respect to that website, its owners or its providers. CNB is providing these links only as a convenience to you or as a compliance requirement. CNB has not tested any information, products or software found on third party websites. It is your responsibility to take precautions to ensure that whatever you select is free of items such as viruses, worms, Trojan horses and other items of a destructive nature.

CNB is not liable to any party for any direct, indirect, special or other consequential damages for any use of any hyperlinked website, including, without limitation, any lost profits, business interruption, loss of programs or other data on your system or otherwise.

USA Patriot Act Disclosure

Federal law requires all financial institutions to notify applicants that they will obtain, verify and record information that identifies each person who opens an account or applies for a loan. When you open an account or apply for a loan, we are required to ask your name, home address, date of birth and other information that will allow you to be identified as the account applicant. In addition, we may ask to see your driver’s license or other identifying documents in order to verify your identity.


Any “feedback”, comments, questions, materials or similar communications, submitted through CNB WEBSITES, shall be deemed to be the property of CNB. CNB shall have no additional obligations with respect to such feedback and shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the feedback to others without limitation. Further, CNB shall be free to use any ideas, concepts, know-how or techniques contained in such feedback for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products incorporating such feedback.


The CNB Privacy Policy can be viewed at www.cnbtexas.com/privacy-policy.

Website Accessibility

CNB is always working to enhance our website and its services, this includes constant effort to make our website accessible and usable for all our customers. We strive to meet online design and usability requirements recommended by Web Content Accessibility Guidelines 2.0 (WCAG 2.0) Level A and AA.

If you do find an accessibility issue, please be sure to contact CNB to let us know of the specific page(s) with the issue(s) and the issue(s) you encountered. CNB will make all reasonable efforts to improve the accessibility of the page(s) in question.


This site uses cookies and other tracking technologies to assist with security, navigation, pages visited, statistics of your use of CNB products and services, and to provide content from third-parties.

For CNB Online Banking and CNB Business Banking Online services, cookies will be used for security and to render content and services from third-party service providers. For the best experience, we recommend allowing cookies from CNB and from third-parties.

What are cookies?

Cookies are commonly used text files containing small amounts of information which are downloaded to your device when you visit a website. When you visit any web site, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences, or your device, but typically it does not directly identify you. Cookies are mostly used to make the site work as expected and to provide a more personalized web experience.

Can I manage cookies?

You can manage cookies, whether they are allowed or blocked in general or by website, in your browser settings. If you choose to not allow cookies or delete cookies, you may experience inconvenience and may be unable to use certain website services. For example, by not accepting or deleting CNB cookies, you will have to receive a security passcode on every login to CNB Online Banking. Not allowing cookies or deleting cookies on the browser level could cause issues on other websites as well, especially on websites that have a login as part of using that website.

Prohibited Uses

Personal Use
  • Only Use of CNB WEBSITES is only for your personal, noncommercial use unless you and CNB have agreed otherwise.
    Use of CNB WEBSITES for your business accounts with CNB are considered personal use.
Electronic Communications
  • You may not send electronic communications (email, web form, chat, etc.) to CNB that is illegal, obscene, profane, threatening, defamatory, invasive of privacy, infringing of intellectual property rights; or that contains harmful code, political campaigning, commercial solicitation, chain letters or mass mailings; or violates any applicable law.
Website Access
  • You may not use CNB WEBSITES in any manner that could damage, encumber, shutdown or overburden any CNB equipment or software; this also applies to CNB affiliates and subsidiaries, or third-parties who provide web services to CNB. You may not use any means of systematic data retrieval on CNB WEBSITES. Unless specifically approved by CNB, you may not acquire or attempt to acquire any content or information on CNB WEBSITES that requires login authentication, passwords, PINs or any other means of authentication. You may not use the login information belonging to another person, business or CNB, unless they specifically authorized you to do so.
False Information
  • You may not intentionally provide any false information when you register for online banking services, apply for banking products or services, or submit online forms on CNB WEBSITES.
  • You may not frame any CNB website content onto your website.
  • You agree to obtain our permission before creating a hyperlink or similar link or connection to CNB WEBSITES
  • You may not use CNB or any CNB subsidiaries or affiliates' names or trademarks in any way that implies affiliation with, or an endorsement, sponsorship or approval by CNB without express written permission.

Violations of ‘Terms of Use’

CNB reserves the right to seek all remedies available at law and in equity for violations of these ‘Terms of Use’, including the right to block access from a specific internet address to the CNB website.

You agree to indemnify, defend and hold harmless CNB from any liability, loss, claim and expense, including attorney’s fees, related to your violation of these ‘Terms of Use’ or your use of these services and information provided at CNB WEBSITES.