Personal Checking

 

The Citizens National Bank offers a variety of checking accounts for you to compare and find the one that best fits your needs.

Personal Checking Accounts Comparison

Premier Interest CheckingInterest CheckingVirtual CheckingImage CheckingStudent CheckingRewards Interest Checking (Only Available in NEK Market Area)

Requirements

  • $1,000 minimum balance
  • $300 minimum balance 
  • Direct deposit or ACH debit
  • 10 Debit Card purchases per statement
  • e-Statements 

NONE

  • Customer must be age 23 & under
  • e-Statements (Moves to Virtual Checking at age 24) 
  • Direct deposit
  • Plus additional relationship** 

Interest Earning

Yes

Yes 

N/A

N/A

N/A 

Yes

Minimum Balance to Open

$25 

$25 

$25 

$25

$25 

$25 

CNB Branded Checks

Free (non-duplicate only) 

Available 

Available 

Available

Available 

Available 

Monthly Maintenance Fee

NONE if requirement is met, otherwise $10 

NONE if requirement is met, otherwise $6 

NONE if requirements are met, otherwise $2

$5 

NONE if requirements are met, otherwise $2 

NONE if requirement is met, otherwise $10

Transaction Fee

NONE 

NONE

NONE 

NONE 

NONE

The Citizens National Bank ATM Charges will be refunded (subject to foreign ATM fees)

NONE

Monthly Statement

Free Paper or e-Statements 

Free Paper or e-Statements

Yes e-Statements

Free Paper or e-Statements

Yes e-Statements 

 

Free Paper or e-Statements 

Check Imaging

Yes

Yes 

N/A 

Yes

N/A 

Yes 

Debit Card

FREE *

FREE * 

FREE *

FREE * 

FREE * 

FREE * 

Online Bill Pay

FREE 

FREE 

FREE 

FREE

FREE

FREE 

Online Banking

FREE

FREE 

FREE 

FREE

FREE

FREE 

Mobile Banking

FREE

FREE 

FREE

FREE

FREE

FREE

Mobile Deposit

FREE *

FREE *

FREE * 

FREE * 

FREE *

FREE *

VISA Travel Card

No purchase fee

Available

Available 

Available 

Available 

No purchase fee 

Money Orders

FREE

Available 

Available 

Available 

Available 

Available 

VISA Credit Card with No Annual Fee

Available*

Available*

Available*

Available*

Available* 

Available* 

* Subject to approval

**Rewards Interest Savings Account, CNB CD, IRA, Money Market Account or Loan

For more detailed information or to open an account, visit with the Customer Service Representative nearest you.

Apply for a Debit Card

Make the Switch

It’s easy to make the switch to The Citizens National Bank. Our printable Switch Kit provides all the necessary forms required to open your new account and transfer your existing personal account(s), including automatic deposits/payments to The Citizens National Bank.

Simply print and fill out the forms and bring them in to a Customer Service Representative at your nearest Citizens National Bank branch. We’ll take care of the rest!

 

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