PERSONAL CHECKING ACCOUNT
- $200 minimum deposit to open
- Checks and debit cards
- Free digital banking services, including:
- Online banking and bill pay
- Free mobile app and mobile check deposits
- Free e-statements available
- No monthly service charge on daily balances over $600.00
MONTHLY FEE STRUCTURE
Balance Fee
- $199.99 or below $10.00
- $200.00 – $399.99 $8.00
- $400 – $599.99 $6.00
Excessive withdrawal fee (more than 40 debits per monthly statement cycle) of $0.15 per item
Click the link below if you wish to order checks for yourself.
EZ CHECKING ACCOUNT
- $200 minimum deposit to open
- Direct deposit required
- No minimum balance required
- No monthly service charge
- Debit card only account
- Free digital banking services, including:
- Online banking and bill pay
- Free mobile app and mobile check deposits
- E-statements required
HOMETOWN CHECKING ACCOUNT (Age 55+)
- $200.00 minimum deposit to open
- No monthly service charge
- No minimum balance required
- Checks and debit cards
- Free standard single checks. $4 discount on all other available styles
- Free digital banking services, including:
- Online banking and bill pay
- Free mobile app and mobile check deposits
- Free e-statements available
- Free cashiers checks or money orders
- 20% discount on safety deposit box rental
HOMETOWN NOW ACCOUNT (Age 55+)
- $1,000.00 minimum deposit to open
- $1,000.00 minimum balance required to avoid a monthly service charge
- Checks and debit card
- Free standard single checks. $4.00 discount on all other available styles.
- Free digital banking services, including:
- Online banking and bill pay
- Free mobile app and mobile check deposits
- Free e-statements available
- Free cashiers checks and money orders
- Interest paid monthly
MONTHLY FEE SCHEDULE
Balance Fee
- $499.99 or below $10.00
- $500.00 – $999.99 $9.00
STUDENT CHECKING
- $200.00 minimum deposit to open
- No minimum balance required
- No monthly service charge
- Checks and debit cards
- Free digital banking services, including:
- Online banking and bill pay
- Free mobile app and mobile check deposits
- Free e-statements available
CITIZENS PREFERRED CLUB CHECKING ACCOUNT
- $200.00 minimum deposit to open
- Checks and debit cards
- Free standard single checks, just pay $8 shipping. $4.00 discount on all other available styles.
- Free digital banking services, including:
- Online banking and bill pay
- Free mobile app and mobile check deposits
- Free e-statements available
- Free cashiers checks or money orders
- Accidental death and dismemberment insurance
- Identify Theft 911
- Vision care savings
- Discounts on travel, lodging and car rental
MONTHLY FEE STRUCTURE
- Individual $11.00
- Family $13.00
Excessive withdrawal fee (more than 40 debits per monthly statement cycle) of $1.00.
NOW ACCOUNT
- $1,000.00 minimum deposit to open
- $1,000.00 minimum balance required to avoid a monthly service charge
- Checks and debit card
- Free digital banking services, including:
- Online banking and bill pay
- Free mobile app and mobile check deposits
- Free e-statements available
- Interest paid monthly
MONTHLY FEE SCHEDULE
Balance Fee
- $499.99 or below $10.00
- $500.00 – $999.99 $9.00
Excessive withdrawal fee (more than 40 debits per monthly statement cycle) of $0.15 per item
SUPER NOW ACCOUNT
- $2,000 minimum deposit to open
- $2,000 minimum balance required to avoid a monthly service charge
- Checks and debit card
- Free digital banking services, including:
- Online banking and bill pay
- Free mobile app and mobile check deposits
- Free e-statements available
- Interest paid monthly
- Excessive withdrawal fee (more than 40 debits per monthly statement cycle) of $0.15 per item
MONTHLY FEE SCHEDULE
Balance Fee
- Below $2,000 $10.00
HEALTH SAVINGS ACCOUNT
- Save funds for medical expenses
- $100.00 minimum deposit to open
- Checks and debit cards
- Free digital banking services, including:
- Online banking and bill pay
- Free mobile app and mobile check deposits
- Free e-statements available
- Interest paid quarterly
QUARTERLY FEE SCHEDULE
Fee
- $3.00
BUSINESS CHECKING ACCOUNT
- $500 minimum deposit to open
- No minimum balance required
- No deposit limitations
- Checks and debit card
- Free digital banking services, including:
- Online banking and bill pay
- Free mobile app and mobile check deposits
- Free e-statements available
MONTHLY FEE STRUCTURE
- Account Maintenance $5.00 per statement
- Credits Posted: $0.25 per item
- Debits Paid: $0.15 per item
- Charge Back: $1.50 per item
- Coin: $0.10 per item
- Currency: $0.25 per item
- Deposit Items: $0.05 per item
This account features an earnings credit to reduce or eliminate fees.
For more information on any of the accounts offered at Citizens National Bank, contact Brenda Vernon, Geanna Johnson, or Maritza Alvarado in New Accounts, at 325-643-3545.