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Personal Banking
Personal Checking Accounts
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Personal Checking Accounts                

Member Benefits

Having your checking account with CNB is the smart choice. Whether you're looking for competitive rates or a free account to save you money, we have the right account for you. Combine your account with Online Banking , Online BillPay, TeleBanc or a Debit Card and you can set your own "banker's hours" and bank whenever (and wherever) you want.

All of our accounts feature Unlimited Check Writing, Check Safe Keeping and we only require a $50 deposit to get started!

  • Platinum Checking
  • Overdraft Privilege
    Available $500
  • Membership Fee
    Only $8
  • Monthly Fee
    None
  • Minimum Balance To Avoid Monthly Fee
    N/A
  • Interest Paid
    No
  • Free Safe Deposit Box (1st Year)
    Included (subject to availability)
  • Free Checks
    Yes - One Style (one box per order or 50% discount on other styles)
  • Additional Benefits: Travel Accidental Death Insurance, Discounts on Dining and Shopping, Card and Personal Identity Protection
    Included
  • Pharmacy, Vision and Hearing Savings Program
    Included
  • Interest Checking
  • Overdraft Privilege
    Available $1,000
  • Membership Fee
    None
  • Monthly Fee
    $10 plus $0.35 per check/debit if minimum balance is not maintained
  • Minimum Balance To Avoid Monthly Fee
    $1,000 minimum daily balance, $2,000 average balance or $10,000 in related CNB Certificate of Deposit or Insured Money Market Account
  • Interest Paid
    Yes
  • Free Safe Deposit Box (1st Year)
    No
  • Free Checks
    Available with Bonus Benefits
  • Additional Benefits: Travel Accidental Death Insurance, Discounts on Dining and Shopping, Card and Personal Identity Protection
    Available with Bonus Benefits
  • Pharmacy, Vision and Hearing Savings Program
    No
  • Free Checking
  • Overdraft Privilege
    Available $500
  • Membership Fee
    None
  • Monthly Fee
    None
  • Minimum Balance To Avoid Monthly Fee
    N/A
  • Interest Paid
    No
  • Free Safe Deposit Box (1st Year) 
    No
  • Free Checks
    Available with Bonus Benefits
  • Additional Benefits: Travel Accidental Death Insurance, Discounts on Dining and Shopping, Card and Personal Identity Protection
    Available with Bonus Benefits
  • Pharmacy, Vision and Hearing Savings Program
    No
 

Bonus Benefits

All of this value is available to Free Checking or Interest Checking Customers for a low $4 monthly Membership Fee.
  • Free Checks (1 style available/1 box per order)
  • $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, and Recreation Discounts

Green Account

A new checking to fit your busy lifestyle. Meet the following guidelines to avoid a service fee.
  • Must use online banking and bill pay
  • Use your Debit/ATM card at least 15 times per month
  • E-statements are required
  • Limited to 6 checks per month
  • Earn a higher interest rate on balances up to $10,000, lower rates on balances over $10,000

*Overdraft Privilege (ODP)

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds (NSF) can be a costly, inconvenient and potentially embarrassing experience.

At Citizens National Bank we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned.

That is why we provide “Overdraft Privilege,” a special overdraft service for Citizens National Bank’s checking customers. As long as you maintain your account in good standing, Citizens National Bank may approve your overdrafts within an approved Overdraft Privilege limit.

Check-Mate

As a checking account customer of Citizens National Bank, you’re invited to apply for Check-Mate. Check-Mate is a convenient line of credit, ready whenever you need it, simply by writing a check on your checking account (up to your pre-authorized credit limit). Check-Mate gives you overdraft protection – helping you avoid the embarrassment and expense of returned checks. And best of all, Check-Mate eliminates the need to fill out a loan application when you want extra cash. See any of our loan officers or complete and return one of our Check-Mate applications to any Citizens National Bank office.

Check-Mate Application Check-Mate Application (617 KB)