Close up of a mother having breakfast and doing bills with her daughter

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

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Smiling pretty young woman in casual shirt sitting at table in cafe and checking messenger while using smartphone

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
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Beautiful senior woman walking outdoors in nature on beautiful autumn day and using phone.

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
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Senior couple drinking coffee and work from home online in the nature park happy and relax time. People Elderly family the rest and chill after retirement in vacations.

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
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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
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Group of coworkers having a discussion

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.

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a person writing in a check

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

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A casual businessman working onhis tablet

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
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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
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two business people in a meeting

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.

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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.