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KCNB makes it easy

We understand how frustrating it can be to change where you bank.

That’s why we’ve listed these 4 steps to help make the process easier. Using these steps, you can begin the process of opening your first account with us and closing your account at your current bank.

To help ensure a hassle-free transition, our team is on standby and ready to help guide you and answer any questions you may have.  Just give us a call at any of our locations.

Step 1

open your new KCNB account

  • Driver's License or Government ID
  • Social Security Card
  • Proof of Mailing Address
  • KCNB New Accounts Application filled
  • Debit Card activated
  • Find your account number
  • KCNB's routing number is: 114911234

Step 2

update billing information

  • Rent or Home
  • Electric
  • Gas
  • Water
  • Phone
  • Insurance(s)
  • Loan(s)
  • Credit Card(s)
  • Internet
  • Medical
  • Cable
  • PayPal®
  • Cash App®
  • Other Subscriptions/services

Step 3

update direct deposits

  • Employer
  • Social Security
  • VA Benefits
  • Retirement
  • Interest Income
  • Dividends
  • Investment Income

Step 4

close your old account

  • Verify that all billing for services have been updated
  • Verify that there are no pending transactions or outstanding checks.
  • Formally request your account to be closed by visiting a branch, calling one of their locations, or through their online banking (if available.) We have provided a letter for you if you need one.
  • Destroy any debit cards and checks associated with your old account.
Download the PDF

The PDF version of our switchkit has more forms and letters that you may find useful during these steps.

We do not own or have any affiliation with PayPal or Cash App. PayPal is a registered trademark of PayPal Holdings, Inc. Cash App is a registered trademark of Block, Inc.

© 2025 Karnes County National Bank

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