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Description: Platinum Checking Interest Checking Free Checking
       
Unlimited Checking

Yes

Yes Yes
Minimum Opening Balance $50 $50 $50
Monthly Fee $8 $0 $0
Minimum Balance to avoid monthly fee

$0

$1000 minimum balance every day, $2000 average balance or $10,000 in related CNB Certificate of Deposit or Insured Money Market Account N/A
Minimum Balance Fee

$0

$10 plus $0.35 per check/debit if minimum balance is not met $0
Interest Paid No Yes No
Check Safekeeping Yes Yes Yes
Free Debit Card Yes Yes Yes
Free Checks Yes, one style, or 50% discount on other styles. No No
Free Online Banking & Bill Pay Yes Yes Yes
Additional Benefits such as Travel Accidental Death Insurance, Discounts on Dining & Shopping, Card & Personal Identity Protection Included Available with Bonus Benefits Available with Bonus Benefits

BONUS BENEFITS
All this value is available to Free Checking or Interest Checking customers for a low $4 monthly membership fee.

FREE CHECKS
$5000 TRAVEL ACCIDENTAL DEATH INSURANCE
CARD PROTECTION
PERSONAL IDENTITY PROTECTION
EMERGENCY TRAVEL ASSISTANCE SERVICES
LOCAL & NATIONAL DINING SAVINGS
LOCAL & ONLINE SHOPPING DISCOUNTS
LOCAL SERVICES DISCOUNTS
TRAVEL, HOTEL & RECREATION DISCOUNTS

PLATINUM CHECKING
Benefits listed below are included in your monthly $8 fee.

UNLIMITED CHECKING
FREE ONLINE BANKING & FREE ONLINE BILL PAY
FREE TELEBANC SERVICES
FREE CHECKS
FREE SAFE DEPOSIT BOX FOR ONE YEAR
NO FEE TRAVELERS CHECKS
$5,000 TRAVEL ACCIDENTAL DEATH INSURANCE
CARD & PERSONAL IDENTITY PROTECTION
EMERGENCY TRAVEL ASSISTANCE SERVICES
LOCAL & NATIONAL DINING SAVINGS
LOCAL & ONLINE SHOPPING & SERVICES DISCOUNTS
TRAVEL & ENTERTAINMENT DISCOUNTS
PHARMACY, VISION, & HEARING SAVINGS PROGRAMS

CHECKMATE
Avoid overdraft fees when you use a line of credit that automatically covers your overdraft up to an approved limit. There is a $3.00 per transfer fee.

Contact any Loan Officer for additional information or apply now.


TELEBANC
Talk about convenience; now you can bank anywhere there is a telephone! You can check balances; make payments, transfer funds and more by calling Citizens National TeleBanc and pressing the prompted numbers on your touchtone phone. TeleBanc is available around the clock.

Contact one of our Customer Service Representatives for additional information and to request your Personal Identification Number.


AUTOMATIC FUNDS TRANSFER
Citizens National offers a variety of funds transfer services. Have your installment loan payments automatically deducted from any Citizens National savings or checking account and receive an interest rate discount.

Contact one of our Customer Service Representatives for additional information.


PAYROLL DIRECT DEPOSIT
Save yourself some steps, ask your employer to direct deposit your payroll check at Citizens National.

Contact one of our Customer Service Representatives for additional information.

ATM CARDS
Your ATM card allows you to withdraw cash free of charge from your checking or savings account at any Citizens National machine, or from other ATMs nationwide. Service charges may vary when using non-Citizens National machines.

Contact one of our Customer Service Representatives for additional information.
Click Here for a list of our ATM Locations


DEBIT CARDS
Our Debit Card looks like a credit card but works like a check. It allows you to withdraw funds from your checking account without writing a check.

Contact one of our Customer Service Representatives for additional information.

FREE ONLINE BANKING & BILL PAY
Online banking is now available to view all of your CNB accounts. Accessing your current account statements, transferring funds between accounts. viewing checks and making loan payments are just some of the features offered at no charge. Enroll online at www.cnbismybank.com.


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