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Student Checking


Citizens Student Checking is an account that makes it easy for students to get cash, make purchases on campus and keep track of spending— all without paying a monthly fee. And because parents can deposit money into the account online without any service charges from their Citizens account, they'll like it too. 

  • No minimum balance requirement

  • No monthly maintenance fee

  • Free Online Banking

  • Free Mobile Banking with eAlerts

  • No-annual-fee Citizens Debit Card

  • No fee to use other banks' ATMs in the U.S. (1)

  • Unlimited Citizen’s ATM usage

  • Automatic funds transfer available from another account (2)

  • Only $50 to open the account

  • Apply Online

To qualify, students must be between 18 and 23 years of age.  For students below the age of 18 we also offer Teen accounts.  Teen accounts require a parent or guardian as a signer on the account who is also an existing customer of Citizens National Bank.  eStatements are required for teen accounts to avoid $1 a service charge.

The Citizens National Bank Student Checking Account allows you to take that first step into the world of managing your own finances while earning your degree.  Call one of our banking center locations and ask to speak to one of our Personal Bankers regarding your interest in a Citizens National Bank account or click here to apply online. 


(1) Rebates for surcharges at other banks limited to $12 dollars per monthly statement.
(2) Automated transfers from another account will incur a fee of $5 per transfer. Online transfers thru online banking are free. 

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Citizens National Bank | 7305 Manchester Road, Maplewood, Missouri 63143

(314) 645-4373 - TELEPHONE EXPRESS | (855) 401-9648 - BILL PAY SUPPORT | (314) 645-8730 - FAX | info@cnbstl.com

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