Start Saving Now For A Stress-Free Holiday Season!
Did you know June 25th marked the halfway point to Christmas? With a Goal-Based Savings or Christmas Club account from CNB, you can set aside money specifically for holiday shopping, travel, or seasonal expenses, without mixing it into your main savings. It’s an easy way to plan ahead and protect your emergency fund.
Open AccountWhich one is right for you?
Here’s How It Works:
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- Open a Goal-Based Savings Account – online or at your local CNB office with just $25.
- Choose your goal – like Holiday Gifts or Christmas 2025 – and set your target amount.
- Fund it your way – make deposits manually or set up automatic transfers from your CNB checking account.
- Track your progress – enjoy peace of mind knowing you’re financially ready for the season.
- Reach your goal – we’ll notify you! You can then withdraw your funds when you’re ready, or rename your account and set a new goal for the next big thing.
Not sure if a Goal-Based Savings Account is right for you? Use this savings calculator to see how much you could save by Christmas if you start today.
Features:
- FDIC insured.
- Earns interest. (See Requirements.)
- Available without monthly service fees. (See Requirements.)
- Ability to add funds at any time.
- Deposit cash.
- Transfer funds through Online or Mobile Banking.
- Auto Transfer.
- Establish Direct Deposit.
- Access account through Online Banking and Mobile Banking.
- 2 goal-based savings accounts may be opened, in addition to other CNB accounts.
Requirements:
- $25 minimum opening balance.
- $250 minimum balance required to earn interest.
- $250 minimum balance required to waive the monthly service fee.
Want to Automate the Process?
Try our Christmas Club Savings Account! Add to it throughout the year or set up automatic transfers from your checking account.
Features:
- FDIC insured.
- Earns interest. (See Requirements)
- Pays interest. (See Requirements)
- Ability to add funds at any time.
- Deposit cash.
- Transfer funds through Online or Mobile Banking.
- Auto Transfer.
- Establish Direct Deposit.
- Access account through Online Banking and Mobile Banking.
- Funds will automatically sweep to your linked CNB checking or savings account the first week of October.
Requirements:
- $25 minimum opening balance.
- Must have a linked CNB checking or savings account to waive the monthly service fee.
- $50 minimum balance required to earn interest.
General Disclaimer
While we trust you’ll find value in this content, it’s important to view it as a starting point. For personalized guidance tailored to your unique circumstances, we strongly advise consulting with a qualified professional who holds the necessary licenses. This article, along with any associated resources, should not be interpreted as legal or financial advice. While efforts were made to ensure accuracy at the time of preparation, we cannot guarantee its current relevance.
Citizens National Bank does not warrant or represent the accuracy, applicability, completeness, or suitability of the information provided. Citizens National Bank explicitly disclaim any responsibility for the use or misuse of these materials. By accessing this site, you agree to absolve Citizens National Bank from any associated liabilities. Exercise caution and seek professional advice before making any financial or legal decisions based on the information provided here.
Calculator Disclaimer
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.