Personal Banking

Checking

  • Teen Checking

    The Citizens National Bank Teen Checking Account allows your teen to take that first step into the world of managing their own finances so that they become money smart and gain financial independence.

    Tired of giving your teenager cash and not knowing how it’s spent? Citizens Teen Checking is designed to teach teenagers aged 13-17 financial responsibility at an early age. With this account, parents set up email or text alerts that notify them and their teen each time a debit card transaction occurs on the account. Parents can also set up daily balance alerts, set daily spending limits, and control ATM usage.

    Features:

    • No minimum balance requirement
    • No monthly maintenance fee
    • Free Online Banking
      Free Mobile Banking (messaging and data rates may apply-check with your carrier for details)
    • No-annual-fee Citizens Debit Card
    • Only $50 to open the account
    • Requires parent or guardian as signer on the account
    • Access to over 23,000 surcharge free ATMs within the Money Pass ATM Network
    • No overdraft protection available

     

    Teen accounts require a parent or guardian as a signer on the account who is an existing customer of Citizens National Bank.  Sign up for eStatements to avoid the $1.00 monthly charge for statements mailed.

  • 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.

    Features:

    • No minimum balance requirement
    • No monthly maintenance fee
    • Online Banking with Bill Pay
    • 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. Sign up for e-statements to avoid a $1.00 monthly service charge.

    (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.

  • Regular Checking

    An everyday checking account with extraordinary features.

    Features

    • Online Banking with Bill Pay
    • Mobile Banking
    • Email and Text Alerts
    • E-Statements
    • No ATM Foreign Fees or Surcharges thru the Money Pass ATM Network
    • MasterCard Debit Card

     

    To avoid the $4.00 monthly fee, the account only has to meet 2 of these 3 requirements per statement cycle: One direct deposit or direct debit, $300 in debit card transactions (excluding ATM transactions) or an average monthly statement balance of $500. Sign up for eStatements to avoid the $1.00 monthly charge for statements mailed.

     

  • Seniority Checking

    If you’re 60 or older and have $1,000 in ANY Citizens bank account, you can enjoy a first-class checking account with the features of a regular account with no monthly fees.

    Features

    • No monthly maintenance fee
    • Online Banking with Bill Pay
    • Mobile Banking with eAlerts
    • No-annual-fee Citizens Debit Card
    • No ATM Foreign Fees or Surcharges thru the Money Pass ATM Network
    • Unlimited Citizen’s ATM usage
    • eStatements available
    • Photo image of check(s) included with paper statement
    • Automatic funds transfer available from another account
    • Only $100 to open the account
    • Interest compounded monthly*

     

    * If daily balance falls below $1,000, no interest will be earned.

  • Ultimate Interest Checking

    Citizen’s Ultimate Interest Checking Account offers our customers a way to earn interest on your money while still allowing you all the conveniences of a checking account.

    Features:

    • A great interest rate (call for the current rate)
    • Unlimited Check Writing
    • No ATM Foreign Fees or Surcharges within the Money Pass ATM Network
    • Free 24/7 Internet Access and Online Bill Pay
    • Free ATM/Debit Card
    • $500 Minimum Daily Balance Required

     

    The Citizens National Bank Ultimate Interest Checking Account provides customers with an opportunity to earn a competitive rate of interest on their balances, while enjoying all the benefits of checking. With a minimum of $100 to open the account, you could be on your way to managing your money successfully. To avoid a $5 monthly service charge just (1) complete at least six debit card transactions (excluding ATM transactions), (2) have one direct deposit or direct debit and (3) maintain a minimum balance of $500.  Contact your personal banker for additional information. Signup for eStatements and avoid a $1 monthly service charge per account statement mailed.