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Credit Card

The Hometown Card with Worldwide Acceptance!

Building a successful financial plan takes the right resources. That's why we work hard to provide you with quality financial services and products. Like our convenient, flexible Visa & Visa Gold Credit Cards. It's accepted at thousands of locations worldwide for just about any type of purchase you can dream up. And, unlike those big out-of-town institutions, our card comes with the personal, friendly service you've come to expect from us. So, whatever your plans, choose the credit card that gives you all the value and buying power you need to get your projects off the drawing board!

Visa Classic and Visa Gold Cards

All new customers have an introductory Annual Percentage Rate of 7.99% for one year. Thereafter, the APR will go to 14.90% for Visa Classic and 14.50% for Visa Gold.
When you use the Citizens National Bank Hometown Credit Card for the purchase of goods or services, the following benefits are yours!

  • Travel Accident Insurance
  • Auto Rental Insurance 

My Card Statement

View your statement, current balance or make a CNB Credit Card payment online at:

  • Grace period for repayment 25days
  • Annual fee None
  • Cash advance / Balance transfer fee 3% of the amount advanced ($20 max).
  • Payments are due 25 days after statement date
  • Late payment fee $7.80 or 5% of payment due, whichever is greater
  • Payments made at CNB Credited the same day
  • Return check fee $20

ScoreCard Rewards 

The ScoreCard Rewards Program offers merchandise and travel rewards based on your qualifying purchases. There are different items available depending on how many points you accumulate. Your points can be redeemed at any time. Log on to for a complete list of rewards. For personalized service, call a service representative: Travel Services at 1-800-842-3006 or Customer Service at 1-800-854-0790.

Apple Pay

Apple Pay is an easy, secure, contactless and private way to pay for in-store and in-app purchases using the Wallet app on select Apple devices.  With Apple Pay, you can leave your card in your wallet and make your purchase using your iPhone or Apple Watch.

Security For Your Card

Lost or Stolen Card
Visa Credit Card: Call 1-800-423-7503

Verified By Visa
Get an extra layer of security when you shop online! In addition to our other ways of preventing, detecting, and resolving fraud, we offer Verified By Visa, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction.

Visa Purchase Alerts
Start receiving transaction alerts today!

Hometown Visa Credit Card Application.  Please complete and return to one of our Personal Bankers.  Questions?  Contact us at 218.732.3393

For questions and further information, please contact one of our Personal Bankers today!
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Personal Savings

Find out how we can help your family discover great saving solutions.