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Learn about EMV Chip Card Technology and Other Available Card Services

CNB's debit card is issued by VISA and accepted everywhere VISA is, but it's not a credit card. When you use your CNB debit card for retail purchases, the funds are deducted from your CNB checking account. Your debit card can also be used to withdraw money from thousands of ATMs around the world.

Please Note: Debit cards may be linked to a CNB savings account. When 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.

Debit EMV® Chip Cards

EMV® Chip Card Technology

Chip cards function much like current debit cards but provide an extra layer of security when used at chip-enabled ATMs and terminals. These cards have an embedded EMV® security chip on the front of the card that works with your PIN security to create a unique one-time code each time the card is processed at a chip-enabled terminal. Your purchase can only be approved with the generated code. Chip cards do not provide added security for purchases made online. 

How to use your Chip Card

If using a chip-enabled terminal, insert your card in the chip reader slot and remove the card after the transaction is complete. If using a terminal without a chip reader, use the magnetic stripe as usual. Customers are still protected against fraud and are not responsible for any losses. 

How to Activate Your Chip Card

Chip cards will need to be activated within 30 days of receipt. Choose one of the following methods to activate your card:     

  • Do a balance inquiry at any ATM
  • Telephone banking users select 1, enter account number and PIN and choose option 4 (800-340-3460)
  • Mobile banking users select Manage Cards from the menu
  • Internet banking users select Options and ATM/Debit Cards

Remember to keep your card number and all personal information secure at all times.

smsGuardianTM Notification Service for Debit Cards 

Sign up for the smsGuardianTMnotification service today by going to the Card Guardian website.

The smsGuardianTM notification service generates a text message alert that is sent to your mobile phone or other sms-enabled device each time specific card activity is detected. If the activity is fraudulent, you will need to respond to the text within 12 hours to have your card immediately closed to prevent any other fraudulent transactions from occurring. If you authorized the transaction in question, do nothing and continue to use your card.

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

Please Note: This service will never ask for your entire card number or PIN. Standard message and data rates may apply and additional international rates may apply if you're outside of the United States.


If you would like 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