The Hometown Bank that Supports Your Hometown

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CONTACT US (231) 627-7111                 TELEBANC (888) 627-1960       

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
• Have Direct Deposit
• E-statements are required
• Limit 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 (617 KB)