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.
Personal Checks – Order Deluxe Checks
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.
Click Here for a downloadable personal account application.
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.
Click Here for a downloadable business account application.
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.
