Debit Cards

Our Visa debit cards come with a security chip. Money is deducted from a checking account when using a debit card. Transactions can be run as debit, usually requiring a Personal Identification Number (PIN), or as credit, usually requiring a signature. Using a PIN may be required to help reduce fraudulent activity.

Mobile Wallet – Tap and Pay

Our debit cards can be added to mobile wallets on mobile devices to be used at mobile wallet enabled terminals, online or for in-app purchases with participating merchants.

Load a debit, business debit or health savings account card

  • Contact your local CNB office to provide your current cell phone number and email
  • Install or open a pre-installed mobile wallet app (Apple Pay®, Samsung Pay or Google Pay™)
  • You may need to log in or set up a Samsung, Google or iTunes/Apple ID Account
  • Load an eligible CNB card
  • Follow the on-screen instructions to complete the verification process.

ATMs

Debit cards can be used at ATMs. If a debit card is only linked to a savings account, the card may only be used at ATMs and cannot be used for retail purchases. Community National Bank is part of the Falcon Network allowing our customers to use ATMs at other participating network locations without charge. Only Community National Bank customers can make deposits at Community National Bank ATMs.

FALCON NETWORK ATMS

A new or reissued debit card must be activated before it can be used. Complete a balance inquiry or withdrawal at a Community National Bank ATM or use Online, Mobile or Telephone banking to activate a debit card.

Mobile Banking

Suspend/Temporarily Freeze Debit Card

  • Log in to Mobile banking
  • In the menu option, select “Preferences”
  • Select “Manage Cards”
  • Click the specific card
  • Choose “Suspend Card” and “Suspend” and then “Ok”
  • To reactivate, follow the steps above and select “Activate Card” and “Activate” and then “Ok”.

Report Lost or Stolen/Close Debit Card

  • Log in to Mobile banking
  • Select “Manage Cards”
  • Click the specific card
  • Choose “Report Lost or Stolen Card” and “Report Lost or Stolen” and then “Ok”
  • This option permanently closes your card. Call your local office to order a new card.  

Online Banking

Report Lost or Stolen/Close Debit Card

  • Log in to Online banking
  • Click the “Options” tab
  • Select “ATM/Debit Card”
  • Choose the card and click “Submit”
  • This option permanently closes your card. Call your local office to order a new card.  

By Phone

Report Lost or Stolen/Close Debit Card

  • Call 888-297-3416
  • Provide the following: Address, phone number, date of birth, Mother’s maiden name and last four digits of Social Security number
  • This option permanently closes your card. Call your local office to order a new card.

Fraud Center Monitoring Service

This free security service is provided on all of our debit cards and recognizes customers’ purchasing patterns and can detect a transaction that occurs outside of normal activities.

Fraud or No Fraud? That’s the only question we’ll ask through this service. We will not ask for a PIN or entire debit card number. If there is a questionable transaction, the Fraud Center will ask if the transaction is fraudulent or legitimate through email or phone. Standard message and data rates may apply and additional international rates may apply if you're outside of the United States.

  • Email - Click on the hyperlink “fraud” or “no fraud”.
  • Text Message - Reply with “YES” if it’s fraudulent or “NO” if legitimate
  • Phone - Respond “Fraud” or “No Fraud” to the phone call
  • Be prepared with your billing address zip code for ID

When calling the Fraud Center, use the same device and number where the original message was received.

You must respond even if the transaction is legitimate. If the transaction is marked fraudulent or if the Fraud Center determines the transaction is fraudulent, the card will be permanently closed. A new card will be reissued and sent in the mail. If you do not respond, the card may be temporarily suspended and unavailable for use and the bank will need to be contacted for the card to be reactivated.

It’s extremely important to provide your current home and cell phone numbers and email address to ensure we can contact you if we suspect fraudulent activity. Stop by or call your local office to verify your contact information.

smsGuardianTM Text Alert Service

This service generates a text message alert that is sent to a mobile phone or other sms-enabled device each time specific card activity is detected. If the activity is fraudulent, call one of our offices or 1-888-297-3416 to have the card immediately closed. If you authorized the transaction in question, do nothing and continue to use your card. You need to sign up for this free service. This service will never ask for your PIN or entire card number.

Alerts will be sent for the following reasons:

  • The transaction amount was greater than $500.00
  • The transaction was processed outside of the U.S.
  • There were 8 or more transactions within a 24-hour period
  • The card was not present during the transaction
  • The transaction was declined.

Standard message and data rates may apply and additional international rates may apply if you're outside of the United States. This service is not available for use with an international mobile phone or international sms-enabled device.

To review the smsGuardianTM notification service Terms of Service or Service Usage Guide or to change your settings, please log in to the Card Guardian site. To contact the smsGuardianTM notification service please call 888-868-8611 or email [email protected].

SIGN UP FOR CARD GUARDIAN