Certificates of Deposit
Our 3-month Jumbo CD rate has increased to 5.12% APY with a $30,000 minimum balance. Two new short-term CD options are also available.
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Welcome to
Karnes County
National Bank
Serving our communities and beyond since 1901.
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A New
Card Management Experience
Card management features are now available in KCNB Mobile.
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Personal Checking
Explore our suite of accounts to find the perfect match for your financial goals.
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Business Loans
Collaborate with our loan officers to find solutions that fit your needs.
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Empower Your Banking Routine

We are committed to providing our communities with a safe, fast, and convenient banking experience.

KCNB Online
Banking™

Online banking gives you direct control over how to manage your finances at KCNB.

KCNB Mobile™

Our mobile app gives you quick around-the-clock access to Online Banking.

24 Hour ATMs

Our ATMs are available all day, 7 days a week.

Taking Care of Business

Commercial Checking

$0 Maintenance Fee.  Always.

When you open up our Regular Commercial Checking Account, you'll enjoy zero maintenance fees. No hoops to jump through and no fine print, simply zero.

Business Online Banking

A separate platform from KCNB Online Banking, Business Online is our platform for managing your business's finances. With powerful security controls, you can delegate management of business finances to employees while still being in full control.

Debit Card Security

Keep track of transactions with a debit card and enjoy the safer alternative to lugging cash around.

Security Resources

It’s important to understand the many ways in which someone may try to gain unauthorized access to your account.  We’ve compiled resources here to help you stay on the lookout for these types of red flags.

Most Recent Article

KCNB Locations

Find a location near you, hours of operation, and ATMs.

Customer Support

We’ve compiled our resources here to assist you as quick as possible.

Must have an open account at Karnes County National Bank to enroll in KCNB Online Banking.
Internet connection required for KCNB Online Banking & KCNB Mobile.
Standard data rates may apply, refer to your service provider’s plan for information regarding data usage rates.

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This is just a friendly reminder that you’re about to leave KCNB.com.  These links are provided for your convenience, but KCNB does not endorse the website therein. KCNB is not responsible for the opinions, content, and privacy policy of said website.

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