Skip to main content

Business
Checking Accounts

You decide what’s right for you based upon your activity.

Choose the checking account that’s best for your business.

No two businesses are the same. That’s why we offer a range of business checking account options, each with different features and benefits. Talk to our Treasury Management Specialists who can propose the best solution.

Contact Treasury Management
Free Business Checking
Basic Business Checking
Business Review Checking
Business Elite Checking
Visa® Business Debit Card

Free Business Checking


Simple checking without the fee

CNB Free Business Checking is the perfect account for small businesses that process a small amount of transactions monthly.

Features

  • No monthly maintenance fee
  • Allows 100 transactions per month ($1 activity fee for each transaction item over 100)1
  • Free Online Banking
  • Free Mobile Banking
  • VISA Debit Card2
  • Option to sign up for VISA® Credit Card with Rewards
  • Outgoing Wire Transfers: $25 – $503
  • Incoming Wire Transfers: $20 3

Requirements

  • $100 to open
  • eStatement required

1Transaction items include checks written, checks deposited, an deposit slips. Electronic transactions are unlimited.
2 Fees may apply.
3 Wire transfer requests must be made either through Online for Business or in person.

Basic Business Checking


More transactions and wire capabilities

CNB Basic Business Checking is perfect for new or small business that usually maintains a high balance in the account.

Features

  • Allows 150 transactions per month ($0.50 activity fee for each transaction item over 150)1
  • Free Online Banking
  • Free Mobile Banking
  • VISA Debit Card2
  • Option to sign up for VISA® Credit Card with Rewards
  • Outgoing Wire Transfers: $25 – $503
  • Incoming Wire Transfers: $20 3
  • Option for eStatement or Paper Statement

Requirements

  • $100 to open
  • $2,500 average daily balance 4 required to waive monthly maintenance fee of $12

1 Transactions items include checks written, checks deposited, and deposit slips. Electronic transactions are unlimited.
2 Fees may apply.
3 Wire transfer requests must be made either through Online of Business or in person.
4 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.

Business Review Checking


Full Service Cash Management

CNB Business Review Checking provides convenient, accurate management of your business income and expenses.

Features

  • Minimum Balance to Earn Interest – $2,5001
  • Consult your Business Banking Officer for your account activity limit 2
  • Free Online Banking
  • Free Mobile Banking
  • VISA Debit Card3
  • Option to sign up for VISA® Credit Card with Rewards
  • Outgoing Wire Transfers: $25 – $504
  • Incoming Wire Transfers: $20 4
  • Various Statement Options Available

Requirements

  • $100 to open
  • Monthly maintenance fee – $15. Earnings Credit based upon the average daily balance5 can be used to offset the fee.

1 Rates are tiered. The Variable interest rate is subject to change weekly and varies according to the account balance. Interest is compounded and paid monthly to your account.
2 Transactions items include checks written, checks deposited, and deposit slips. Electronic transactions are unlimited.
3 Fees may apply.
4 Wire transfer requests must be made either through Online of Business or in person.
5 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.

Business Elite Checking


A Personal Account for Business Owners

This account offers the highest level of benefits. It is designed for customers who have combined business & personal deposit, loan and investment balances of $125,000 or more.*

 

* Certificates of Deposit not included in Relationship Balance.

Features

  • Minimum Balance to Earn Interest – $2,500 1
  • Unlimited Account Activity (Checks, Online, Debit Card, and ATM)
  • Free Online Banking
  • Free Mobile Banking
  • Overdraft Privilege 2 3
  • ID Theft Protection 2 3
  • VISA Debit Card 3
  • No CNB charge at foreign ATM use and unlimited ATM surcharge rebates.
  • Option to sign up for VISA® Credit Card with Rewards.
  • One box of standard checks per year or 50% discount
  • Free Visa Gift Cards (a $4.95 value)

Requirements

  • $50 to open
  • $125,000 relationship balance4 required to waive monthly maintenance fee of $20

1 Rates are tiered
2 Subject to program terms
3 Fees may apply.
4 Certificates of Deposit not included in Relationship Balance.

Visa® Business Debit Card


Use your CNB Business Debit Card anywhere VISA Cards are welcome!

Pay directly from your business checking account and access cash through nationwide ATMs – including the Visa/Plus Network and MoneyPass.

  • Surcharge-Free ATMs: Use your CNB Visa® Debit Card anywhere you see a MoneyPass ATM to access your funds and you will not receive a surcharge fee.
  • Keep Your Card Safe: Download the CardValet app and enroll your card. The CardValet app allows you to get real-time notifications when your card is used, set spending limits, and lock and unlock your card. You can feel safe using your CNB Visa® Debit Card by knowing you can control the card in your wallet with the phone in your pocket.
  • Instant Issue: You no longer have to wait to get your new card. Stop into your local CNB office and a customer service representative will get you your card that is immediately active and ready to use.
  • Mobile Wallet: Load your CNB debit and credit card into Apple Pay®Google Pay or Samsung Pay® to make paying quick and convenient when you checkout in person or online.

To activate your CNB Debit Card, call 1-800-567-3451.



Enhanced Security Chip Cards Video


Lost or Stolen Card?

Contact us immediately if you lost your CNB debit card.

No more waiting… Get a new one today! Simply visit your nearest CNB office during business hours and speak with a Customer Service Representative to receive your new card and use it right away.

Instant Issue Cards:

  • Immediately active and ready to use
  • Choose/change your PIN in office
  • Replace lost, stolen or damaged cards
Benefits and Security

Click here to learn more about Visa’s Business core benefits.

Visa Secure

When using your credit card to shop online, you will be asked to become verified prior to completing an online transaction if the merchant is a member of the program. All cards are automatically enrolled when issued and by using contextual clues, such as type of device used, size of screen, location, etc., 95% of transactions are approved without anything extra required. If it’s high-risk, which is less than 5% of transactions, consumers may be asked to provide a one-time password through the system.

Fraud Detection

Citizens National Bank utilizes a fraud detection program to prevent unauthorized use of your Debit Card. The program tracks the type of transactions you usually perform with your Debit Card and then compares that behavior with each new transaction and characteristics of fraud. If something seems suspicious, you may be called at home to verify the transaction. If we were unable to leave a message, a letter will be mailed to your home and your card restricted until you contact the bank. This program is for your protection as we try to eliminate Debit Card fraud. If you plan to use your Debit Card while traveling or to purchase expensive items that are not typical of your card use, please contact the bank to notify us.

Visa Account Updater

Visa requires all financial institutions to participate in Visa Account Updater (VAU) for debit and credit cards (personal and business; HSAs excluded) which provide updates to merchants who maintain your card information on file, to process your recurring payments (ex. subscriptions services or utility companies, etc). This is only for recurring payment merchants. This service allows merchants to receive your updated card information when you receive a new card for any reason (ex. expired card, lost or stolen card, etc). CNB is providing you the ability to opt-out of VAU by contacting your local branch.


Simple checking without the fee

CNB Free Business Checking is the perfect account for small businesses that process a small amount of transactions monthly.

Features

  • No monthly maintenance fee
  • Allows 100 transactions per month ($1 activity fee for each transaction item over 100)1
  • Free Online Banking
  • Free Mobile Banking
  • VISA Debit Card2
  • Option to sign up for VISA® Credit Card with Rewards
  • Outgoing Wire Transfers: $25 – $503
  • Incoming Wire Transfers: $20 3

Requirements

  • $100 to open
  • eStatement required

1Transaction items include checks written, checks deposited, an deposit slips. Electronic transactions are unlimited.
2 Fees may apply.
3 Wire transfer requests must be made either through Online for Business or in person.


More transactions and wire capabilities

CNB Basic Business Checking is perfect for new or small business that usually maintains a high balance in the account.

Features

  • Allows 150 transactions per month ($0.50 activity fee for each transaction item over 150)1
  • Free Online Banking
  • Free Mobile Banking
  • VISA Debit Card2
  • Option to sign up for VISA® Credit Card with Rewards
  • Outgoing Wire Transfers: $25 – $503
  • Incoming Wire Transfers: $20 3
  • Option for eStatement or Paper Statement

Requirements

  • $100 to open
  • $2,500 average daily balance 4 required to waive monthly maintenance fee of $12

1 Transactions items include checks written, checks deposited, and deposit slips. Electronic transactions are unlimited.
2 Fees may apply.
3 Wire transfer requests must be made either through Online of Business or in person.
4 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.


Full Service Cash Management

CNB Business Review Checking provides convenient, accurate management of your business income and expenses.

Features

  • Minimum Balance to Earn Interest – $2,5001
  • Consult your Business Banking Officer for your account activity limit 2
  • Free Online Banking
  • Free Mobile Banking
  • VISA Debit Card3
  • Option to sign up for VISA® Credit Card with Rewards
  • Outgoing Wire Transfers: $25 – $504
  • Incoming Wire Transfers: $20 4
  • Various Statement Options Available

Requirements

  • $100 to open
  • Monthly maintenance fee – $15. Earnings Credit based upon the average daily balance5 can be used to offset the fee.

1 Rates are tiered. The Variable interest rate is subject to change weekly and varies according to the account balance. Interest is compounded and paid monthly to your account.
2 Transactions items include checks written, checks deposited, and deposit slips. Electronic transactions are unlimited.
3 Fees may apply.
4 Wire transfer requests must be made either through Online of Business or in person.
5 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.


A Personal Account for Business Owners

This account offers the highest level of benefits. It is designed for customers who have combined business & personal deposit, loan and investment balances of $125,000 or more.*

 

* Certificates of Deposit not included in Relationship Balance.

Features

  • Minimum Balance to Earn Interest – $2,500 1
  • Unlimited Account Activity (Checks, Online, Debit Card, and ATM)
  • Free Online Banking
  • Free Mobile Banking
  • Overdraft Privilege 2 3
  • ID Theft Protection 2 3
  • VISA Debit Card 3
  • No CNB charge at foreign ATM use and unlimited ATM surcharge rebates.
  • Option to sign up for VISA® Credit Card with Rewards.
  • One box of standard checks per year or 50% discount
  • Free Visa Gift Cards (a $4.95 value)

Requirements

  • $50 to open
  • $125,000 relationship balance4 required to waive monthly maintenance fee of $20

1 Rates are tiered
2 Subject to program terms
3 Fees may apply.
4 Certificates of Deposit not included in Relationship Balance.


Use your CNB Business Debit Card anywhere VISA Cards are welcome!

Pay directly from your business checking account and access cash through nationwide ATMs – including the Visa/Plus Network and MoneyPass.

  • Surcharge-Free ATMs: Use your CNB Visa® Debit Card anywhere you see a MoneyPass ATM to access your funds and you will not receive a surcharge fee.
  • Keep Your Card Safe: Download the CardValet app and enroll your card. The CardValet app allows you to get real-time notifications when your card is used, set spending limits, and lock and unlock your card. You can feel safe using your CNB Visa® Debit Card by knowing you can control the card in your wallet with the phone in your pocket.
  • Instant Issue: You no longer have to wait to get your new card. Stop into your local CNB office and a customer service representative will get you your card that is immediately active and ready to use.
  • Mobile Wallet: Load your CNB debit and credit card into Apple Pay®Google Pay or Samsung Pay® to make paying quick and convenient when you checkout in person or online.

To activate your CNB Debit Card, call 1-800-567-3451.



Enhanced Security Chip Cards Video


Lost or Stolen Card?

Contact us immediately if you lost your CNB debit card.

No more waiting… Get a new one today! Simply visit your nearest CNB office during business hours and speak with a Customer Service Representative to receive your new card and use it right away.

Instant Issue Cards:

  • Immediately active and ready to use
  • Choose/change your PIN in office
  • Replace lost, stolen or damaged cards
Benefits and Security

Click here to learn more about Visa’s Business core benefits.

Visa Secure

When using your credit card to shop online, you will be asked to become verified prior to completing an online transaction if the merchant is a member of the program. All cards are automatically enrolled when issued and by using contextual clues, such as type of device used, size of screen, location, etc., 95% of transactions are approved without anything extra required. If it’s high-risk, which is less than 5% of transactions, consumers may be asked to provide a one-time password through the system.

Fraud Detection

Citizens National Bank utilizes a fraud detection program to prevent unauthorized use of your Debit Card. The program tracks the type of transactions you usually perform with your Debit Card and then compares that behavior with each new transaction and characteristics of fraud. If something seems suspicious, you may be called at home to verify the transaction. If we were unable to leave a message, a letter will be mailed to your home and your card restricted until you contact the bank. This program is for your protection as we try to eliminate Debit Card fraud. If you plan to use your Debit Card while traveling or to purchase expensive items that are not typical of your card use, please contact the bank to notify us.

Visa Account Updater

Visa requires all financial institutions to participate in Visa Account Updater (VAU) for debit and credit cards (personal and business; HSAs excluded) which provide updates to merchants who maintain your card information on file, to process your recurring payments (ex. subscriptions services or utility companies, etc). This is only for recurring payment merchants. This service allows merchants to receive your updated card information when you receive a new card for any reason (ex. expired card, lost or stolen card, etc). CNB is providing you the ability to opt-out of VAU by contacting your local branch.

Take Control of Your Cards with CardValet!

Enroll your Citizens National Bank Visa Credit Card, Debit Card or HSA Card in our free CardValet app. Set up alerts for when and where your card can be used. Turn it off and on in real-time for security. Even set spending limits if you choose. Learn more.

Access your funds easily.

Easily access your funds when you need to through a variety of ways:

  • Online for Business with Mobile Banking – Basic package is free with every account. Check your balances, make internal transfers, pay bills and deposit checks all from your phone.
  • Visa® Business Debit Card – Pay directly from your business checking account everywhere Visa cards are welcome. Get cash from ATMs nationwide at Visa/Plus Network and MoneyPass ATMs.
  • In-person withdrawals – from any of our office locations or drive-thru’s.
  • Wire Transfers – Send/receive through templates set up in Online for Business
  • Same-Day ACH – Send payments same-day to vendors

CNB News and Events

Join the Text Club to receive special offers and info for us.

Text CNBOHIO to (419) 285-6768

Service available in USA only. Text HELP to 419.258.6768 for help. Standard Text Message
and any ProTexting List,send "STOP" to 419.258.6768. MS Marketing Provided by ProTexting.com