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Remember: To avoid having purchases denied while traveling, notify your bank what dates you will be out of town, as well as what states/countries you may be using your credit/debit card in.

Commercial Checking

Larger businesses typically have more account activity and carry higher balances. Our Business Review Account provides convenient, accurate management of income and expenses. Depending upon the balances maintained within the account, certain monthly charges may be offset through an earnings credit. Electronic transactions are unlimited.

Business Review Checking
Statement Type Various Options Available
Opening Balance $100
Minimum Balance to Waive Service Fees 1 Dependent upon earnings credit (see below)
Monthly Maintenance Fee $12
Minimum Balance to Earn Interest 2 $2,500
Activity Fees 3 Consult Your Business Banking Officer
Check Copies $2 each (6 copies per year free)
Locked Night Deposit Bags $20
Wire Transfers 4 -
Outgoing
Incoming

$20-$40
$15
CheckCard 5 Available
Foreign ATM Use No CNB charge
Surcharge Free ATM use at Money Pass Network ATMs

As with all Citizens National Bank Business Checking Accounts, you'll be able to access your accounts online through Basic Online for Business for free. Through this system you may view all your accounts, make internal transfers and use CNB Bill Payment to easily pay all your bills online. You may also receive a Business Visa® CheckCard which you can use anywhere Visa® is accepted to make purchases and have them debited directly from your checking account.

Earnings Credit
You will receive an earnings credit based upon the average available balance in the account (less reserve requirements). This credit can offset monthly charges such as activity, maintenance and some miscellaneous fees. The credit rate applied against the balance is variable and determined monthly at the Bank's discretion. Credits earned each statement cycle will be used to offset qualified monthly charges accumulated during the same statement cycle. Unused credits will be forfeited.
1 The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The Deposit Relationship Balance is determined by adding the average daily balance of your checking account for the current statement period, plus the current month's average balance of your other deposit accounts (excluding certificates of deposit.) 2 Rates are tiered. See Rate Charts. The variable interest rate is subject to change weekly and varies according to account balance. Interest is compounded and paid monthly to your account. 3 Transaction items include checks written, checks deposited and deposit slips. Electronic transactions are unlimited. 4 Wire transfer requests must be made either through Online for Business or in person. 5 Fees may apply. Point of sale PIN fee waived on Business Review Checking.

FREE Gift with Checking
Receive a free gift just for opening any new checking account.

Gifts change quarterly. 3 piece stainless grill tool set
3-Piece Stainless
Grill Tool Set*

*Available while supplies last. If unavailable a gift of comparable value will be provided.

More Information
To learn more about our cash management services, call:
1-800-448-0025
Mon. - Fri. 8:30 am - 5 pm EST
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