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Checking

Account Type down arrow Opening Deposit Service Charge Interest

Simply Free Checking

$30 None No

Simply Free Checking

Simply Free Checking provides all the value of a great checking account without the hassle of a minimum balance.

    • No monthly service charge
    • No minimum balance
    • No Direct Deposit requirement
    • FREE - first order of checks
    • FREE e-Banking
    • FREE Mobile Banking
    • FREE TouchTone Banking
    • FREE unlimited check writing
    • FREE gift at account opening
    • FREE Debit card
    • FREE Nationwide ATMs^
    • We are a member of SUM; when you use another SUM member ATM surcharges are waived.  Check out the SUM website to locate other SUM member ATMs.
    • EasyView Check Imaging - your monthly statement includes FREE images of every check, 12 to a page, in numerical order with date and amount. Plus, you get a binder for storing your checks. And with e-Banking, your check and deposit images are available to you on-line! It's that easy!

^ The Citizens National Bank does not charge a fee for non-CNB ATM transactions. Other Institutions may impose a fee for the use of their ATMs.

View Personal and Business Fee Schedule.

For more information, please contact a personal banker at one of our branch locations.

Checking Five-O

$30 None Yes

Checking Five-O

This account is FREE for our customers 50 and over. It is an interest bearing checking account. Only one account owner must meet the age requirement.

    • Interest paid monthly on all balances.
    • No monthly service charge
    • No per check charges
    • No minimum balance
    • No Direct Deposit requirement
    • FREE personalized checks. See your check selection choices.
    • FREE e-Banking
    • FREE Mobile Banking
    • FREE TouchTone Banking
    • FREE unlimited check writing
    • FREE gift at account opening
    • FREE Debit card
    • FREE Nationwide ATMs^
    • We are a member of SUM; when you use another SUM member ATM surcharges are waived.  Check out the SUM website to locate other SUM member ATMs.
    • EasyView Check Imaging - your monthly statement includes FREE images of every check, 12 to a page, in numerical order with date and amount. Plus, you get a binder for storing your checks. And with e-Banking, your check and deposit images are available to you on-line! It's that easy!

^ The Citizens National Bank does not charge a fee for non-CNB ATM transactions. Other Institutions may impose a fee for the use of their ATMs.

View Personal and Business Fee Schedule.

For more information, please contact a personal banker at one of our branch locations.

Easy Interest Checking

$30 None Yes

 Easy Interest Checking

This checking account lets you earn interest with your direct deposits or automatic payments.

    • Interest paid monthly on all balances.
    • No monthly service charge
    • No per check charges
    • No minimum balance
    • Direct deposit or direct ACH payment needed for this account.
    • FREE - first order of checks
    • FREE e-Banking
    • FREE Mobile Banking
    • FREE TouchTone Banking
    • FREE unlimited check writing
    • FREE gift at account opening
    • FREE Debit card
    • FREE Nationwide ATMs^
    • We are a member of SUM; when you use another SUM member ATM surcharges are waived.  Check out the SUM website to locate other SUM member ATMs.
    • EasyView Check Imaging - your monthly statement includes FREE images of every check, 12 to a page, in numerical order with date and amount. Plus, you get a binder for storing your checks. And with e-Banking, your check and deposit images are available to you on-line! It's that easy!

^ The Citizens National Bank does not charge a fee for non-CNB ATM transactions. Other Institutions may impose a fee for the use of their ATMs.

View Personal and Business Fee Schedule.

For more information, please contact a personal banker at one of our branch locations.

VIP Interest Checking

$30 $6 Yes

VIP Interest Checking

A special account with extra benefits and earnings potential, VIP Interest Checking is perfect for those who can maintain a higher balance.

    • Interest paid monthly on all balances.
    • Higher interest rate with balances of $1,500 or more
    • Competitive interest if balance falls below $1,500
    • $6 monthly charge if minimum balance falls below $1,500
    • No per check charges
    • FREE personalized checks. See your check selection choices.
    • FREE e-Banking
    • FREE Mobile Banking
    • FREE TouchTone Banking
    • FREE unlimited check writing
    • FREE gift at account opening
    • FREE Debit card
    • FREE Nationwide ATMs^
    • We are a member of SUM; when you use another SUM member ATM surcharges are waived.  Check out the SUM website to locate other SUM member ATMs.
    • EasyView Check Imaging - your monthly statement includes FREE images of every check, 12 to a page, in numerical order with date and amount. Plus, you get a binder for storing your checks. And with e-Banking, your check and deposit images are available to you on-line! It's that easy!

^ The Citizens National Bank does not charge a fee for non-CNB ATM transactions. Other Institutions may impose a fee for the use of their ATMs.

Any fee assessed may reduce the earnings on this account.

For more information, please contact a personal banker at one of our branch locations.

Health Savings Account

$30 None Yes

 Health Savings Account

If you have a high-deductible health plan (HDHP) and you are looking to build and maintain a sizable financial buffer to pay for your family’s medical expenses, our Health Savings Account or HSA* is just what you’ve been looking for.

    • Interest paid monthly on balances of $50 or more.
    • No custodial or maintenance fees
    • FREE 15-count check orders
    • FREE Debit card
    • FREE TouchTone Banking
    • FREE e-Banking
    • FREE Mobile Banking
    • EasyView Check Imaging - your monthly statement includes FREE images of every check, 12 to a page, in numerical order with date and amount. Plus, you get a binder for storing your checks. And with e-Banking, your check and deposit images are available to you on-line! It's that easy!
  • 2014 maximum contribution limits:

    • Self - $3,300
    • Family –$6,550

*All HSA contributions are tax-deductible, your earnings are 100% tax-free and the money you take out to pay for qualified medical expenses is completely tax-free!

View Personal and Business Fee Schedule.

For more information, please contact a personal banker at one of our branch locations.