Heard the big news? 

In March 2021, SimplyBank and Community National Bank are coming together and writing a new chapter in the 130-year history we share.




This is an exciting time to be part of our banks, but we also know you probably have questions. After all, you have trusted us with one of your most valuable resources — your money — and we take this responsibility seriously. So below, check out the consolidation resources our team has pulled together for you. From FAQs to leadership spotlights, our goal is to make the coming-together of SimplyBank and Community National Bank as seamless and easy for you as possible. Have a question or concern not addressed below? As always, feel free to give your local branch and banker a call, or send us an email at and we’ll be glad to answer. -SB.


Payments, Debit Cards

Will SimplyBank’s routing number stay the same?  Great question! Yes, our routing number will remain 064204703

What happens to all my accounts tied to CNB’s routing number? No worries! We will keep CNB’s existing routing number active post-conversion to keep you from experiencing payment failures or direct deposit interruptions.

Will my account number change?  Your current account number and routing number will remain the same.

How will the conversion affect my ACH (automatic direct deposits or payments)? Your account numbers will not change when SimplyBank and Community National Bank officially combine, which means your ACH deposits won’t change.

I have an account at CNB — am I a SimplyBank customer now? First, thanks for choosing to trust our friends at CNB with your banking. Second, we can’t wait to officially welcome you to the SimplyBank family. Last, all CNB accountholders and customers will become SimplyBank customers in late March 2021. We’ll move your account over for you, and we’ll be in frequent communication between now and then.

Will my ATM/debit card work at either bank? Beginning Monday, March 22, all SimplyBank and CNB ATM and debit cards will continue working, meaning you’ll have nearly double the branch locations and ATMs as before. In the meantime, your bank-issued card will continue to work as it always has.

Can I keep my current CNB debit card?  Yes! Your CNB debit card will continue to work without issue.

What do I do about automatic payments tied to my CNB debit card?  Nothing! Your CNB debit card and automatic payments will continue to work.

I’m a CNB customer — when can I start making deposits at SimplyBank? Due to mountains of rules and regulations, we have to keep all bank business separate until we are officially consolidated in March 2021. So in the meantime, please continue to bank as you always have at CNB. Do I need to order SimplyBank checks? Your CNB checks will continue to work post-conversion!

Online, Mobile Banking

Will online banking work during conversion weekend? Great question! As we merge our online and mobile banking tools, these services will be down for a scheduled outage from Friday, March 19 to Monday, March 22, 2021 at both CNB and SimplyBank.

I’m a CNB customer. Will I need to download new mobile banking apps?  Yes, beginning March 22, you’ll need to download the SimplyBank Mobile app and log in to begin using your new SimplyBank account. Key mobile banking info to remember: 

  • Online and Mobile banking will be down for a scheduled outage at CNB and SimplyBank from March 19-March 22
  • CNB customers will need to download the SimplyBank Mobile app on March 22
  • Your username and password should still work to log into SimplyBank Mobile.
  • You will need to set up new security questions
  • Bill Pay should automatically convert over to our new system

Timeline, Branches

When is this consolidation taking place? Consolidation will be complete on March 22, 2021.

Does this conversion make the banks stronger?  Absolutely. In fact, that’s one of the primary driving forces in our decision. In a time when larger banks are on the rise, we’re doubling down on our commitment to local banking, and by joining forces, we’re strengthening our position and preparing to serve you for years to come.

Will my local CNB branch look like a SimplyBank branch after this consolidation? You bet! Over the next few months, we’ll be updating our CNB locations in Spring City, Soddy-Daisy, Rossville, Ringgold and Flintstone, as well as the remainder of our SimplyBank branches.

Will any branches be combined? Currently, SimplyBank and CNB overlap in two of our communities: Dayton, Tenn., and Spring City, Tenn. To avoid redundancy in costs and after studying vehicle and foot traffic, CNB Dayton (1271 Market Street, Dayton, TN, 37321, 423-570-0280) will cease operations effective at 2 p.m. eastern on Friday, March 19, 2021. All CNB Dayton customers will immediately have two great new options to do your banking — SimplyBank Dayton-downtown (420 Third Avenue, Dayton, TN, 37321, 423-775-8400) and SimplyBank Dayton-South (3001 Rhea County Highway, Dayton, TN, 37321, 423-570-8400). In Spring City, our current SimplyBank location at 369 Front Street will cease operations at 2 p.m. eastern on Friday, March 19, 2021, and will reopen on the other side of Highway 27 at 22400 Rhea County Highway on Monday, March 22, at 8:30 a.m. Our new SimplyBank Spring City office (423-365-8400) will offer easier access to you, as well as a modern drive-thru and ample parking.

Will I see my CNB banker at my local branch still? Yes! Because our banks already share ownership and leadership, most CNB team members will continue to serve you at your new SimplyBank branch.

Will the banks be closed during the conversion period? Both Community National Bank and SimplyBank will close early ( 2 p.m.) on Friday, March 19, as we prepare to bring our banks together and merge systems. Our banks will remain closed through the weekend, but reopen during normal business hours the following Monday, March 22.

Will my branch keep the same open hours after the conversion?  Yes! Our banks will maintain 8:30 a.m. to 5 p.m. operating hours after officially becoming part of SimplyBank.

Will my branch still be open on Saturday? No, when we convert all CNB locations to SimplyBank, we will adopt SimplyBank’s operating hours, which do not include Saturdays.


I have accounts at both banks totaling more than $250,000 combined.

What should I do when the banks consolidate? That’s a great question!  Check out the FDIC EDIE tool or call your local branch and banker to find out more.

Will my daily limits change?  No! At SimplyBank, we’ve made it simple: daily point-of-sale limits are $3,500 and daily ATM withdrawal limits are $1,000. These limits protect you from losing money if your card or account info is ever lost or stolen.

I have loans at both CNB and SimplyBank. Will I have a new loan officer? Because we already share owners and leadership, our teams are ready to seamlessly transition from CNB to SimplyBank and help make your transition as easy as possible. If you already have loans at both banks, you will continue to deal with at least one of the lenders you’ve already gotten to know and work with.

Will I still get e-Statements?  If you’re already signed up for e-Statements, you’ll continue to get them. If you want to sign up after March 22, follow the easy steps in your online banking account.

Account Statements

Community National Bank will generate a final closing statement on all accounts on March 19.  You will receive your SimplyBank statements on your regular statement cycle. Expect to receive your final CNB statement and first SimplyBank statement in the 30 days following the consolidation.

Accrual Method

SimplyBank uses the 365/366 accrual method for calculating interest on all demand deposit accounts, if applicable. ATM Card Your Community National Bank ATM card will work as normal at all SimplyBank ATMs.

Business Online Banking and Bill Pay

We are excited for you to experience SimplyBank’s online banking and bill pay system. You will retain your existing username and password.  Existing payees in your Bill Pay queue will convert.  We recommend that you keep a record of as much of your payee information as possible to facilitate an easy transition.

Certificates of Deposit (CD) At maturity, Community National Bank Certificates of Deposit that are on automatic renewal will be converted per your original agreement to a comparable SimplyBank Certificate of Deposit.

Loans, Lines of Credit, Mortgages

The conversion to SimplyBank will not have any impact on your existing loan rates, terms or conditions.  Please continue to make your loan payments as usual.

Direct Deposit

Since your current account number and routing number will not be changing, there is no need to make any changes to your direct deposit.

End of Day Cut-off Times

In order for a deposit to be credited to your account the same business day, it must be made before the posted cut-off time. Any transactions completed after this time, or on a non-business day, will be credited to your account on the next business day. Business days are Monday through Friday, except for federal banking holidays. Cut-off times are as follows:

  • Branch deposits:  Mon-Fri: 5:00pm EST
  • Remote Capture deposits: Mon-Fri: 3:00pm EST
  • Mobile check deposits: Mon-Fri: 3:00pm EST

Telephone Banking

There is no change to telephone banking numbers.  You can access your personal account as you currently do to obtain balances, transfer funds, etc.

Safe Deposit Boxes

For all branches – excluding SimplyBank Spring City and CNB Dayton – accessing your safe deposit box will remain the same. As previously notified, safe deposit boxes at SimplyBank Spring City will be available at SimplyBank Dayton-South beginning Friday, March 26. Safe deposit boxes at CNB Dayton will be located at SimplyBank Dayton-Main beginning Friday, March 26.  

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