Business
Checking Accounts

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
• Ability to accept same-day payments

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.

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
• Ability to accept same-day payments

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.

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)
• Ability to accept same-day payments

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.

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.