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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

 

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

 

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.

 

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 Sierra Trevino in New Accounts, at 325-643-3545.