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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
| Accounts | Premier Interest Checking | Interest Checking | Virtual Checking | Image Checking | Student Checking | Rewards Interest Checking (Only Available in NEK Market Area) |
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Requirements
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- Direct deposit or ACH debit
- 10 Debit Card purchases per statement
- e-Statements
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NONE
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- Customer must be age 23 & under
- e-Statements (Moves to Virtual Checking at age 24)
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- Direct deposit
- Plus additional relationship**
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Interest Earning
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Yes
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Yes
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N/A
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N/A
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N/A
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Yes
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Minimum Balance to Open
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$25
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$25
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$25
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$25
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$25
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$25
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CNB Branded Checks
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Free (non-duplicate only)
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Available
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Available
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Available
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Available
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Available
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Monthly Maintenance Fee
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NONE if requirement is met, otherwise $10
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NONE if requirement is met, otherwise $6
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NONE if requirements are met, otherwise $2
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$5
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NONE if requirements are met, otherwise $2
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NONE if requirement is met, otherwise $10
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Transaction Fee
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NONE
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NONE
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NONE
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NONE
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NONE
The Citizens National Bank ATM Charges will be refunded (subject to foreign ATM fees)
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NONE
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Monthly Statement
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Free Paper or e-Statements
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Free Paper or e-Statements
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Yes e-Statements
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Free Paper or e-Statements
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Yes e-Statements
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Free Paper or e-Statements
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Check Imaging
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Yes
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Yes
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N/A
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Yes
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N/A
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Yes
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Debit Card
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FREE *
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FREE *
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FREE *
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FREE *
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FREE *
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FREE *
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Online Bill Pay
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FREE
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FREE
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FREE
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FREE
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FREE
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FREE
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Online Banking
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FREE
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FREE
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FREE
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FREE
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FREE
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FREE
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Mobile Banking
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FREE
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FREE
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FREE
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FREE
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FREE
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FREE
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Mobile Deposit
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FREE *
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FREE *
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FREE *
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FREE *
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FREE *
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FREE *
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VISA Travel Card
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No purchase fee
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Available
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Available
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Available
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Available
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No purchase fee
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Money Orders
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FREE
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Available
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Available
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Available
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Available
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Available
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VISA Credit Card with No Annual Fee
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Available*
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Available*
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Available*
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Available*
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Available*
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Available*
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* 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
Open Account Online
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
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