The Basics

What is a CNBBankDirect Certificate of Deposit?
CNBBankDirect accounts are FDIC-insured online accounts. Like many other Certificate of Deposit accounts you agree to deposit your funds for a specified period of time (term) and a fixed interest rate. 

Is CNBBankDirect related to Citizens National Bank? is a division of Citizens National Bank, an OH based bank founded in 1920. To view FDIC Call reports go to and search for Citizens National Bank of Bluffton. To learn more about Citizens National Bank, view our website at

How do I contact

You may contact a Customer Care Center representative through a toll-free number. Simply call 1-877-777-9358 or click here to send a secure email. You may also utilize the Live Chat feature on the CNBBankDirect website during business hours, 8:30 am - 5 pm EST.

Opening Your CNBBankDirect Account

How do I open a CNBBankDirect Account?
It's quick and easy to open your CNBBankDirect Certificate. All you need is an existing checking or savings account to transfer the money from. The CNBBankDirect Certificate online application may be accessed by clicking here and selecting Apply Now.  All applications must be submitted online. 

How do I know when my CNBBankDirect account is set up?
You will receive a confirmation email the same business day that you open the account. Additional emails will guide you through the account opening process and keep you informed along the way.

What type of identification will I need to apply for this account?

A driver’s license or state identification card issued by the United States or local State Government is required to be provided when you apply.  At this time we are not able to accept other forms of ID.  Examples: Permanent Resident Card (Green Card) and Passport.

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How CNBBankDirect Works

How do I log in to view my account?
Go to and click on the Online Banking login box in the top left. You'll then enter your Access ID and password to view your account.

Will I receive a statement?

Statements are not provided on CNBBankDirect certificates.  Account activity can be viewed anytime from within Online Banking.

Will I be notified when my certificate matures?

A maturity notice will be provided at least 10 calendar days prior to the “Maturity Date”.  The maturity notice will be accessible through Online Banking.  An email will be sent notifying you that the maturity notice is available to view online.

How long does it take for my certificate to be funded?

This will depend on multiple factors such as the length of time it takes you to electronically sign your documents and the availability of funds in the funding account.  Once the transfer is completed funds will begin earning interest on the certificate the same day. 

Can I view transactions posted to my CNBBankDirect account?

To view your account 24/7, just log on to using your Access ID and Password.

How do I close my account?

You may request an Early Withdrawal or at maturity you will have the option to close your account or allow it to automatically renew.  If you choose to close your account, simply login to Online Banking, select the Close Account Tab and complete the form.  You will receive email notification once the account has been closed.

Security And Privacy

Are my deposits insured by the Federal Deposit Insurance Corporation (FDIC)?
Yes, the FDIC insures funds in your CNBBankDirect account through Citizens National Bank. You can learn more about the FDIC at their website,

How do you keep my account secure?
Your account can only be accessed with your unique Access ID and Password. In addition, we employ device verification and if you're logging in from a different device or different location than usual you will be asked a challenge question.

What about information privacy?

Neither or Citizens National Bank will ever share your personal information with an outside party. For our complete privacy policy, click here.

How can I learn more about the parent company of CNBBankDirect, Citizens National Bank?

For more information on the performance of our institution, you may visit and review FDIC Certificate # 6531, The Citizens National Bank of Bluffton. You may also learn more about the bank through its website,

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