Personal
Checking Accounts
At Citizens National Bank, we strive to match your needs with the right account.
A personal checking account can help you manage your day-to-day finances.
This account can act as your financial hub, making it easier to pay bills, deposit or transfer funds, receive cash from ATMs, and make purchases with your CNB debit card. At Citizens National Bank, we offer many different checking account options to fit your stage of life. Check out our options that are available to be opened online!
Open AccountComparison
Choosing the right checking account has never been easier.
| Student Checking | Go Anywhere | Free Checking | Select Checking | Performance Checking | |
|---|---|---|---|---|---|
| OPEN ONLINE | OPEN ONLINE | OPEN ONLINE | For Ages 50 and up | ||
| Opening Balance | $50 minimum opening balance. | $50 minimum opening balance. | $50 minimum opening balance. | $50 minimum opening balance. | $50 minimum opening balance. |
| Balance to Waive Service Fees | For Ages 14-17: No minimum balance required. Service fees waived. | $400 average daily balance. $10 monthly service fee if the balance is not maintained. Ages 18-23: No minimum balance is required. Service fees waived. | No minimum balance required. Service fees waived. | Estatement: No minimum balance required. Service fees are waived. Paper Statement: $2,500 average daily balance. $5 monthly service fee1 if balance is not maintained. | $25,000 relationship balance2 of deposits & loans required. $15 monthly service fee if the relationship is not maintained. |
| Balance to Earn Interest | $7,500 minimum balance to earn interest3. | Interest is not offered. | $7,500 minimum balance to earn interest3. | $2,500 minimum balance to earn interest3. | $2,500 minimum balance to earn interest3. |
| Account Features | Estatement required. Ability to accept same-day payments Account Does Not Include: • Bill Payment • Zelle | Free nationwide ATM use. Free overdraft protection with a linked savings account. Ability to accept same-day payments Estatement required. | Ability to accept same-day payments Estatement required. | One box of standard checks free per year or 50% discount on other checks, such as duplicates. Ability to accept same-day payments Complimentary Financial Plan Analysis through Citizens Wealth Management Group. | No fee for purchasing Visa® gift cards. ($4.95 savings) Ability to accept same-day payments Choice of Two Benefits: -One box of standard checks free per year or 50% discount on other checks, such as duplicates -Free nationwide ATM use -Free personal-size safe deposit box (where available) |
| 1Customers age 50 and older may have their monthly service fee waived by choosing Direct Deposit of income or benefits checks. 2Certificates of deposit are not included in Relationship Balances. 3Rates are tiered. See Rate Charts. | |||||
Opening Your Account
Your new checking account can be opened by visiting your local CNB Office or Applying Online.
FREE GIFT1 when you open a new CNB Checking Account!
1Gift received may not be as pictured.
The following items will be required at account opening:
- Government-issued photo ID.
- Proof of address. (if the address on your photo ID is not correct)
- Proof of address can be provided by:
- Utility Bill
- Pay Stub
- Mail with name and correct address
Student Checking
Want to start teaching your child the importance of managing money?
CNB Student Checking gives parents the tools needed to educate their children on the value of managing money. This account is for ages 14-17.
Features
- FDIC insured.
- No minimum balance required.
- No monthly maintenance fee.
- $7,500 minimum balance to earn interest.1
- Receive a free gift at account opening.
Requirements
- Available for ages 14-17.
- Parent or guardian’s co-signature.
- $50 minimum opening balance.
- Estatement.
Services NOT Available
- Bill Payment
- Zelle®
- Mobile Deposit
1Rates are tiered
Go Anywhere
The account that fits your lifestyle!
The Go Anywhere Account features unlimited FREE ATM withdrawals! If you find yourself needing access to cash, this account may be for you. CNB also waives the minimum balance requirement on this account for those ages 18-23, making it an excellent account for college students.
Features
- FDIC insured.
- Unlimited FREE nationwide ATM use.
- Free overdraft protection with a linked savings account.
- Receive a free gift at account opening.
Requirements
- $50 minimum opening balance.
- $400 average daily balance.
- $10 monthly service fee if the balance is not maintained.
- Ages 18-23.
- No minimum balance required.
- Service fees waived.
- Estatement.
Free Checking
Are you looking for a checking account with no minimum balance requirement and monthly service fees waived?
CNB’s Free Checking Account may be the one for you! Access your accounts when and where you want with online and mobile banking.
Features
- FDIC insured.
- No minimum balance required.
- No monthly maintenance fee.
- $7,500 minimum balance to earn interest.1
- Receive a free gift at account opening.
Requirements
- $50 minimum opening balance.
- Estatement.
1Rates are tiered
Select Checking
Age 50 or over? This account is just for you!
When you open a Select Checking Account with Estatement, your service fees are waived. Plus, you will receive one box of standard checks free per year!
Features
- FDIC insured.
- $2,500 minimum balance to earn interest.1
- One box of standard checks free per year or 50% discount on other checks, such as duplicates.
- Complimentary Financial Plan Analysis provided through Citizens Wealth Management Group.
- Receive a free gift at account opening.
Requirements
- $50 minimum opening balance.
- E-Statement:
- No minimum balance is required.
- Service fees are waived.
- Paper Statement option:
- $2,500 average daily balance
- $5 monthly service fee2 if balance is not maintained.
- $2,500 average daily balance
1Rates are tiered.2Customers age 50 and older may have their monthly service fee waived by choosing Direct Deposit of income or benefits checks.
Performance Checking
A great account for any Homeowner!
At Citizens National Bank, we value your relationship. The Performance Checking account looks at your deposit and loan amounts to offset the monthly fee. Choose two additional benefits to personalize this account to fit your needs.
Features
- FDIC insured.
- $2,500 minimum balance to earn interest.1
- No purchase fee for VISA® gift cards. ($4.95 savings)
- Choice of 2 Additional Benefits:
- One box of standard checks free per year or 50% discount on other checks, such as duplicates.
- Unlimited free nationwide ATM use.
- Free safe deposit box. (where available)
- Receive a free gift at account opening.
Requirements
- $50 minimum opening balance.
- $25,000 relationship balance2 of deposits & loans required to waive monthly maintenance fee of $15.
1Rates are tiered.2 Certificates of deposit are not included in Relationship Balances.
Choosing the right checking account has never been easier.
| Student Checking | Go Anywhere | Free Checking | Select Checking | Performance Checking | |
|---|---|---|---|---|---|
| OPEN ONLINE | OPEN ONLINE | OPEN ONLINE | For Ages 50 and up | ||
| Opening Balance | $50 minimum opening balance. | $50 minimum opening balance. | $50 minimum opening balance. | $50 minimum opening balance. | $50 minimum opening balance. |
| Balance to Waive Service Fees | For Ages 14-17: No minimum balance required. Service fees waived. | $400 average daily balance. $10 monthly service fee if the balance is not maintained. Ages 18-23: No minimum balance is required. Service fees waived. | No minimum balance required. Service fees waived. | Estatement: No minimum balance required. Service fees are waived. Paper Statement: $2,500 average daily balance. $5 monthly service fee1 if balance is not maintained. | $25,000 relationship balance2 of deposits & loans required. $15 monthly service fee if the relationship is not maintained. |
| Balance to Earn Interest | $7,500 minimum balance to earn interest3. | Interest is not offered. | $7,500 minimum balance to earn interest3. | $2,500 minimum balance to earn interest3. | $2,500 minimum balance to earn interest3. |
| Account Features | Estatement required. Ability to accept same-day payments Account Does Not Include: • Bill Payment • Zelle | Free nationwide ATM use. Free overdraft protection with a linked savings account. Ability to accept same-day payments Estatement required. | Ability to accept same-day payments Estatement required. | One box of standard checks free per year or 50% discount on other checks, such as duplicates. Ability to accept same-day payments Complimentary Financial Plan Analysis through Citizens Wealth Management Group. | No fee for purchasing Visa® gift cards. ($4.95 savings) Ability to accept same-day payments Choice of Two Benefits: -One box of standard checks free per year or 50% discount on other checks, such as duplicates -Free nationwide ATM use -Free personal-size safe deposit box (where available) |
| 1Customers age 50 and older may have their monthly service fee waived by choosing Direct Deposit of income or benefits checks. 2Certificates of deposit are not included in Relationship Balances. 3Rates are tiered. See Rate Charts. | |||||
Your new checking account can be opened by visiting your local CNB Office or Applying Online.
FREE GIFT1 when you open a new CNB Checking Account!
1Gift received may not be as pictured.
The following items will be required at account opening:
- Government-issued photo ID.
- Proof of address. (if the address on your photo ID is not correct)
- Proof of address can be provided by:
- Utility Bill
- Pay Stub
- Mail with name and correct address
Want to start teaching your child the importance of managing money?
CNB Student Checking gives parents the tools needed to educate their children on the value of managing money. This account is for ages 14-17.
Features
- FDIC insured.
- No minimum balance required.
- No monthly maintenance fee.
- $7,500 minimum balance to earn interest.1
- Receive a free gift at account opening.
Requirements
- Available for ages 14-17.
- Parent or guardian’s co-signature.
- $50 minimum opening balance.
- Estatement.
Services NOT Available
- Bill Payment
- Zelle®
- Mobile Deposit
1Rates are tiered
The account that fits your lifestyle!
The Go Anywhere Account features unlimited FREE ATM withdrawals! If you find yourself needing access to cash, this account may be for you. CNB also waives the minimum balance requirement on this account for those ages 18-23, making it an excellent account for college students.
Features
- FDIC insured.
- Unlimited FREE nationwide ATM use.
- Free overdraft protection with a linked savings account.
- Receive a free gift at account opening.
Requirements
- $50 minimum opening balance.
- $400 average daily balance.
- $10 monthly service fee if the balance is not maintained.
- Ages 18-23.
- No minimum balance required.
- Service fees waived.
- Estatement.
Are you looking for a checking account with no minimum balance requirement and monthly service fees waived?
CNB’s Free Checking Account may be the one for you! Access your accounts when and where you want with online and mobile banking.
Features
- FDIC insured.
- No minimum balance required.
- No monthly maintenance fee.
- $7,500 minimum balance to earn interest.1
- Receive a free gift at account opening.
Requirements
- $50 minimum opening balance.
- Estatement.
1Rates are tiered
Age 50 or over? This account is just for you!
When you open a Select Checking Account with Estatement, your service fees are waived. Plus, you will receive one box of standard checks free per year!
Features
- FDIC insured.
- $2,500 minimum balance to earn interest.1
- One box of standard checks free per year or 50% discount on other checks, such as duplicates.
- Complimentary Financial Plan Analysis provided through Citizens Wealth Management Group.
- Receive a free gift at account opening.
Requirements
- $50 minimum opening balance.
- E-Statement:
- No minimum balance is required.
- Service fees are waived.
- Paper Statement option:
- $2,500 average daily balance
- $5 monthly service fee2 if balance is not maintained.
- $2,500 average daily balance
1Rates are tiered.2Customers age 50 and older may have their monthly service fee waived by choosing Direct Deposit of income or benefits checks.
A great account for any Homeowner!
At Citizens National Bank, we value your relationship. The Performance Checking account looks at your deposit and loan amounts to offset the monthly fee. Choose two additional benefits to personalize this account to fit your needs.
Features
- FDIC insured.
- $2,500 minimum balance to earn interest.1
- No purchase fee for VISA® gift cards. ($4.95 savings)
- Choice of 2 Additional Benefits:
- One box of standard checks free per year or 50% discount on other checks, such as duplicates.
- Unlimited free nationwide ATM use.
- Free safe deposit box. (where available)
- Receive a free gift at account opening.
Requirements
- $50 minimum opening balance.
- $25,000 relationship balance2 of deposits & loans required to waive monthly maintenance fee of $15.
1Rates are tiered.2 Certificates of deposit are not included in Relationship Balances.
CNB Visa Debit Card
Using your Citizens National Bank Visa® Debit Card.
- 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: Enroll in Manage My Cards through our mobile banking app. It 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 for 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 Visa Debit Card, call 1-800-567-3451.
Visa Secure
When using your debit card to shop online, you will be asked to become verified before completing an online transaction if the merchant is a program member. All cards are automatically enrolled when issued. The level of the transaction risk is determined by contextual clues, such as the type of device used, the size of the screen, the location, etc. The majority of transactions are approved without anything extra required. If the transaction is considered high-risk, which is 20-25% of transactions, consumers may be asked to provide a one-time password through the system.
Services Available to Enhance Your Checking Account!
Online Services: Online Banking • Mobile Banking • Mobile Deposit • Bill Payment • Zelle® • Account Alerts • Mobile Wallet • My Credit Score
Other Available Products: Visa® Debit Card • Direct Deposit • Visa® Credit Card with Rewards4 • Free Notary Service • Overdraft Privilege5 • ID Theft Protection6 • Safe Deposit Box6
1Customers age 50 and older may have their monthly service fee waived by choosing Direct Deposit of income or benefits checks. 2Certificates of deposit are not included in Relationship Balances. 3Rates are tiered. See Rate Charts. 4Subject to credit approval. 5Subject to program terms. 6Fees may apply.
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