• VISA Check/ATM Card
  • $500 cash daily (pin required)
  • $1500 purchases daily (use as a credit)
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    For your convenience you can change your pin number with proper ID at the main bank from 9AM to 4PM in the bookkeeping department. There is also a pin machine at our Pocola , Heavener, and Stigler locations for your convenience. 
     
    Report lost or stolen VISA Check/ATM cards, IMMEDIATELY! During banking hours, call your closest CNB branch. After banking hours call VISA/MASTERCARD credit card at 866-604-0381 or VISA Check/ATM cards at 800-554-8969. 
     
    For more information during regular business hours contact a customer service representative at the CNB location nearest you. For your convenience, you may also contact CNB via email. 
     
    Frequently Asked Questions about Debit Cards.  
     
    Q. How do I activate my debit card? 
     
    A. For your convenience, you may call 1-800-567-3451 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 ,or our Pocola location, or our Stigler location , or our Heavener location 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 $1500 limit for daily purchases (use as a credit), and $500 cash daily (pin required) to be held until the item clears your account. If you are still experiencing trouble contact a customer service representative 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.  There is also a pin machine at our Pocola , Heavener, and Stigler locations for your convenience. 
     
    Q.  I have a balance in my account, why can't I use my debit card? 
     
    A. Purchases do not clear your 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 resolve 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 a police report
  • FDIC
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