Added Benefits

24-HOUR ACCESS:

With ATMs and OnLine Banking you'll have access to your funds 24 hours a day. These free services allow you to check your balances and transfer money between your CNB accounts when it's convenient for you.

DIRECT DEPOSIT:

No more worrying about lost, stolen, or misplaced checks--have your payroll or government checks deposited safely, easily and on time. Your money will be available to you at the opening of business on the payment day. Click here for more information about Direct Deposit.

AUTOMATIC SAVINGS:

Have funds transferred automatically from your CNB checking account to your savings account. We can help you set up your savings plan for weekly or monthly automatic payments.

ACCOUNT STATEMENTS:

Depending on your type of savings account, you'll receive either a monthly or quarterly account statement. It's a clear and simple record of all your account activity.

BUILD YOUR BANKING RELATIONSHIP:

The combined balances of your various CNB accounts can help you qualify for one of our premier relationship checking accounts. Which account you qualify for will be determined by the types of accounts you have with CNB....deposit accounts, loans, and/or LPL investments. Click here to see which account best fits your needs.

Citizens offers several options for the saver in you. From personal savings accounts to long-term CD’s, we want to make it easy for you to save by offering direct deposit, automatic withdrawals from your checking to savings, and online banking to let you view your accounts at any time.

Personal Savings Account

Our Personal Savings Account is designed especially for those smart savers who need the flexibility of a savings account. With a low minimum opening balance, this account is suitable for anyone with any amount of money.

Christmas Club Account

Sign up for a CNB Christmas Club account and you could earn an additional BONUS payment on us! A bonus is granted to any account with a balance above $50 at the time of maturity. See the tiered bonus schedule to determine the amount of your bonus.

BALANCE

  • $0.00-49.99
  • $50.00-149.99
  • $150.00-249.99
  • $250.00-499.99
  • $500.00-999.99
  • $1,000.00-1,249.99

BONUS

  • $0.00
  • $1.00
  • $3.00
  • $5.00
  • $10.00
  • $20.00*

*For balances of $1,250 and higher, bonus amount will increase in increments of $5 for each additional $250 on deposit.

Certificates of Deposit (CDs)

Many savers enjoy the security of CDs, where their money can earn an attractive rate without tempting them into early withdrawals. You can open a CD for as little as $500, with terms ranging from days to years. CDs may carry varying penalties for early withdrawal. Although access is limited, your interest rate remains fixed for the term of the CD-an unbeatable deal when you have a sum you can tuck away for a while.

Personal Savings Account

Christmas Club Savings

Certificate of Deposit

9-Month
No-Penalty CD

Amount to open account

$25

$1

$500*

$2,500

Available without a monthly fee

YES
$250 minimum account balance, or if under age 21

YES

YES

YES

Pays Interest

YES

NO
A bonus paid at end of term.

YES

YES

Add to account whenever you wish

YES

YES

NO

NO

Accessible by OnLine Banking

YES

YES

YES
View account information and balances only.

YES
View account information and balances only.

FDIC insured

YES

YES

YES

YES

*CD Specials may require a higher opening balance.

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