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SMS Terms and Conditions

Last Updated: June 28, 2021

Important! Please read these SMS Terms & Conditions carefully. By enrolling or otherwise agreeing to receive text messages from or on behalf of City National Bank (CNB) or by otherwise providing your phone number to CNB, you agree to these SMS Terms & Conditions, as well as CNB’s Terms of Use and Privacy Policy, which are incorporated herein by reference and can be viewed at the links provided here, or at cnb.com.

City National Bank send text messages if requested for various purposes including:

  • verification of an authentication process
  • authorization of certain transactions
  • marketing messages about events, offers and products
  • financial alerts

What Is A Short Code?

A short code is a 5 or 6 digit number that displays as the sender of a text message to your mobile device. Short codes are monitored and managed by the Cellular Telecommunications and Internet Association, a nonprofit trade organization that represents wireless carriers (AT&T, T-Mobile, Verizon, etc.) and manufacturers and providers of wireless products and services.

While some CNB communications involve a one-time text message, other communications involve ongoing communication based on the opt-in preferences you’ve selected for that specific messaging service.

Learn more about the various types of text messages sent by City National Bank:


Message Delivery and Rates

CNB does not charge for text messages. You may be subject to standard messaging and data fees from your carrier according to your mobile messaging plan. Please refer to your plan details for more information. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from CNB, including messages that you may send through CNB or that we may send on your behalf.

Reporting Suspicious SMS Messages

CNB will use text messages sent via a short code to communicate with you at your request. Only the short codes listed on this page are used by CNB. If you have received a text message from a phone number not listed on this page, or any message asking you to provide or confirm personal details or confidential information, do not reply. Report it to us at phishing@cnb.com, including the short code number and the contents of the text message. Once reported, you can then delete the text message from your device.

How CNB communicates via Text Message


1. Authentication & Security Messages

You may receive text messages when you apply for a CNB product or service in order to verify your identity or authorize a transaction. These types of text messages will only be sent from CNB on a one-time basis if you request to receive them. Receiving these types of messages are strictly for authentication or authorization purposes and do not opt you into any marketing messages.

 

2. Marketing, Contest & Event Messages

Marketing text messages are sent based on an opt-in basis and provide information about current offers, products, or services, as well as contests and events offered or hosted by CNB. These messages are available to both existing and prospective clients, and are sent from an automated system. Message frequency will depend on the nature of your subscription to contests, events or general marketing messages.

 

3. Financial Alerts

Financial alerts allow you to keep track of payment approvals, large transactions, balance limits and budget information. After opting-in to receive an alert through SMS text message, you will begin receiving financial alert messages to your mobile device. Message frequency varies based on account activity and the alert preferences you’ve selected. These alerts are sent based on an opt-in basis.


SMS Short Codes

The short code 20736 is used to send marketing messages about CNB eBanking Premium Alerts.

Respond with the following keywords to receive specific responses:

  • Text STOP to stop receiving these messages.
  • Text HELP for assistance.
  • Go to your CNO account to opt back in to 20736 CNB Offers messages. In your CNO account, visit the Manage Alerts page and click “I agree” (if you’ve previously texted STOP to 20736).

Message frequency varies based on account activity and the alert preferences you set.

The short code 34045 is used to send marketing messages about CNB Fraud Alerts.

Respond with the following keywords to receive specific responses:

  • Text STOP to stop receiving these messages.
  • Text HELP for assistance.
  • Text START, UNSTOP to 34045 to opt back in to CNB SMS messages (if you’ve previously texted STOP to 34045).

Message frequency varies based on account activity and the alert preferences you set.

The short code 38865 is used to send marketing messages about CNB Digital Alerts.

Respond with the following keywords to receive specific responses:

  • Text STOP to stop receiving these messages.
  • Text HELP for assistance.
  • Text START, UNSTOP to 38865 to opt back in to CNB SMS messages (if you’ve previously texted STOP to 38865).

Message frequency varies based on account activity and the alert preferences you set.


Supported Carriers

Supported carriers may change from time to time, but currently include AT&T, Sprint/Boost,/Virgin, T-Mobile/MetroPCS, Verizon Wireless, CellCom USA, C Spire Wireless, U.S. Cellular, Carolina West Wireless (CWW), and Google Voice, among others. 

Carriers are not liable for delayed or undelivered messages.

T-Mobile® is not liable for delayed or undelivered messages.

Changes to the SMS Terms

These SMS Terms may be updated by City National Bank at any time without prior notice. By continuing to be enrolled in any CNB promotional text messaging program, or by providing your cell phone number for transactional, operational, or informational text messages, you agree to any changes.

Questions

For questions about these SMS Terms or CNB’s SMS messages, please contact City National Bank Client Contact Center at (800) 773-7100 or contact us.