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Citizens Preferred Club Account:

The minimum amount required to open this type of account is $200.00. The following membership fees apply to this account.

  • Individual – $11.00 per month
  • Family – $13.00 per month
  • Excessive Check Fee (more than 40 during a statement cycle) – $1.00
  • Free standard personalized checks
  • Free Cashiers Checks
  • Free Money Orders
  • Accidental Death and Dismemberment Insurance
  • Discounts on Travel, lodging, car rental
  • Identity Theft 911
  • Vision Care Savings

Regular Checking Account:

The minimum amount required to open this type of account is $200.00. In order to avoid a service charge you must maintain a daily balance of $600.00 or more. If the balance is less than $200.00 on any day of the month, there will be a charge of $10.00 for that month, if the balance is at least $200.00 on every day but less than $400.00 on any day in the month the charge will be $8.00 for that month. If your balance is at least $400.00 on every day but less than $600.00 on any day of the month, then the service charge for that month will be $6.00.

There are no deposit limitations with this type of account. Fees that apply include the $.15 excessive withdrawal fee, which applies if more than 40 debits per monthly statement cycle are made.

Hometown Checking Account:

This type of checking account is only available to customers ages 55 and older. An initial deposit of $200.00 is required, no limit on deposits.

This type of account offers several benefits:

  • Free Standard wallet checks (any other check – $4.00 discount)
  • No monthly service charge
  • 20% discount on safe deposit box rental
  • No additional fee for cashier’s checks, money orders and traveler’s checks
  • Free notary
  • No limit on checks written

Student Checking Account:

The student requires an initial deposit of $200.00 and has no deposit limitations. In order to open student account, the customer must be a registered student. There is no service charge associated with this account, unless there are three months without activity on the account; The customer will be allowed a check order of only 40 checks.

NOW Account:

The NOW account is an interest bearing account, with interest compounding monthly and credited to your account each month. The interest rate with this account is subject to change as frequently as daily. If the account is closed before interest is credited, you will not receive the accrued interest.

Citizens National Bank uses the average daily balance method to calculate the interest on this account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principle in the account for each day of the period and dividing that figure by the number of days in the period, which is monthly. Interest begins to accrue on the first business day after the banking day you deposit noncash items.

This account requires a minimum of $1,000.00 to open. If the balance is less than $500.00 on any day in the month, your account will be subject to a $10.00 service charge for that month. If the balance is at least $500.00 on every day, but less than $1,000.00 on any day in the month, the service charge will be $9.00 for that month. If the balance is $1,000.00 or more on every day in the month, we will not charge a service charge for that month.

There are no deposit limitations with this type of account. Fees that apply include the $.15 excessive withdrawal fee, which applies if more than 40 debits per monthly statement cycle are made.

Hometown NOW Account:

This account is offered to customers ages 55 and older. Standard wallet checks are free with this type of account, if you choose another style a $4.00 discount applies.

The same terms apply for this account as they do in the Regular NOW Account.

Super NOW Account:

In order to open a Super NOW Account, an initial deposit of $2,000.00 is required. Interest is compounded monthly and credited to the account on a monthly basis. The average daily balance method is also used for this account as it is in other interest bearing accounts.

A service charge fee of $10.00 will be imposed every statement cycle if the balance of the account falls below $1,000.00 any day of the cycle. A fee of $.15 per item will be charged for excessive debits, which is more than 40 during a month.

EZ Checking Account:

The minimum amount required to open this type of account is $200.00 with unlimited deposits. The only service charge associated with this account is $10.00 if there has been no activity in three months.

With this type of account eStatements are required; debit card account only, no check writing is permitted, and there must be direct deposit.

For more information on any of the accounts offered at Citizens National Bank, contact Christie or Brenda in the New Accounts Department, 325-643-3545.

Business Checking Account:

This account features an earnings credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assess no fees but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit.

The earnings credit will be calculated by applying the periodic earnings credit rate to the average daily balance in the account for the period. Currently, the periodic earnings credit rate for your account is based on the current T-bill rate. At any time and at our discretion, the periodic earnings credit rate may change. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period. The period we use is the monthly statement cycle.

You do not need to maintain any minimum average daily balance during the monthly statement cycle in order to receive the credit.

Earnings credit begins to accrue on the business day you deposit noncash items (for example, checks).

Deposit limitations – You may make an unlimited number of deposits into your account.

Fees and Charges – The following fees and charges apply to this account:

  • Account Maintenance: $5.00 per statement
  • Credits Posted: $.25 per item
  • Debits Paid: $.15 per item
  • Charge Back: $1.50 per item
  • Coin: $.10 per item
  • Currency: $.25 per item
  • Deposit Items: $.05 per item