Frequenty Asked Questions

Frequently Asked Questions about Debit Cards.

Q. How do I activate my debit card?

A.For your convenience, you may call 1-888-463-4590 which is located on the sticker on the card when you receive it. If you have any trouble with the activation process we will be glad to assist you. Call a customer service representative at the CNB location nearest you during regular business hours. You must come by the main bank location in Poteau to change your pin number.

Q. My debit card is not working, what do I do?

A. First decide if the card has been activated or if you are possibly over your limit, these are some of the main reasons your card may not be working. Remember it is $1000 limit for daily purchases (use as a credit), and $300 cash daily (pin required) to be held until the item clears your account. If you are still experiencing trouble contact a customer service representive during regular business hours at the CNB location nearest you.

Q. I don't remember my pin number, what do I do?

A. You have a couple of options: A. You can call a customer service representative at the CNB location nearest you to order a pin number for you. A $5.00 fee will apply. B. You can repin your card for free in our pin machine. Simply bring the card and a photo ID to the main bank located in Poteau during regular business hours.

Q. I have a balance in my account, why can't I use my debit card?

A. Purchases do not clear you account immediately. The dollar amount is held on your card until the item itself clears your account. This is the main reason why the balance at the ATM can differ from the bank balance.

Q. Debit card fraud, what do I do?

  • First step is to contact the merchant. If they do not refund the charge the following steps need to take place in order for CNB to be able to do a VISA chargeback.
  • CNB needs a signed letter containing the following:
  • your 16 digit debit card number
  • description of dispute & what steps were taken with merchant to reslove the dispute
  • the transaction amount
  • the transaction date
  • the merchants name
  • In a case of fraud your debit card will need to be turned into CNB along with the letter.