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Personal Checking Accounts

Welcome to checking that connects
to life in all the ways you do.

We know that choosing where you have your checking account is one of the most important banking decisions you can make. After all, it is your main account. We want you to be comfortable with your account and all the perks that it can bring you!  

Banking that connects to much more than your money.

Anywhere Banking Tools

Here is what you get automatically with every Citizens National Bank Checking option:

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ATM Access

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Debit  Card

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Fast, Secure Mobile
Online Banking

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Mobile Deposit

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Mobile Bill Pay

Here's how it works:

Pick from the following Citizens National Bank checking accounts that work best for you!

Citizens+

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Get rewarded for your relationship:

  • Anywhere banking tools – mobile banking, online banking, bill pay, debit card, and e-Statements
  • Billshark
  • Buyer’s Protection and Extended Warranty
  • ID Theft Aid
  • Roadside Assistance
  • Health Savings Card
  • Cell Phone Protection
  • Shop local, save local with BaZing Savings
  • Travel Accidental Death Coverage
  • Great Interest on Your Checking Balance

Maintain a $2,500 minimum balance, and we’ll waive the $8.95 monthly fee.


 

Choice

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Save money with BaZing:

  • Anywhere banking tools – mobile banking, online banking, bill pay, debit card, and e-Statements
  • Billshark
  • Buyer’s Protection and Extended Warranty
  • ID Theft Aid
  • Roadside Assistance
  • Health Savings Card
  • Cell Phone Protection
  • Shop local, save local with BaZing Savings
  • Travel Accidental Death Coverage

Only $7.95 per month


 

Classic

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Meet your basic banking needs:

  • Bank anywhere and everywhere with Anywhere Banking Tools, including mobile banking, online banking, bill pay, debit card, and e-Statements.

Maintain a $100 minimum balance and we’ll waive the $4.95 monthly fee.
Fee waived for students and 55 or older.


 

Bank On Checking Account

If you want a no frills, no hassle checking account, then this might be the best option for you. A $25.00 minimum opening deposit is required. A $3.00 monthly service charge is assessed, but there are no other overdraft, NSF, activation, closure, dormancy, inactivity, or balance fees or charges. No paper statements or paper checks are available with this account. This checking account is offered in accordance with requirements set by the American Bankers Association and Cities for Financial Empowerment Fund. 

CIMA - CNB's Money Market Account

Start earning interest today with a Citizens Insured Money Account. Your account has no service charges if your balance remains at or above $2,500.00. If your balance falls below $2,500.00 during a statement cycle, there is a charge of $7.50 and $.20 per debit item for that cycle. CIMAs are designed for customers who plan to save at high balances and do not intend to make regular withdrawals or third-party checks. Paper statements are included for free, and higher balances can earn even higher interest rates!

Click here to view the current interest rates for all of our deposit account products.

Note: Transaction limits and other restrictions may apply with certain deposit products. Maintaining minimum balance(s) is required to obtain any disclosed annual percentage yields.

Please, never send us any private or account information directly from this form or from your personal email account. (ex: social security number, account number, etc.)

 
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