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Regular Savings Account:

This type of account is interest bearing and requires a minimum of $100.00 to open. The interest is subject to change on a daily basis. Interest is compounded every quarter and deposited into the account quarterly. The average daily balance method is used to calculate the interest on this account. (See NOW account for more information on this method).

A service charge fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the quarter. There are unlimited deposits into this account; transaction limitations include three per quarter, with no more than three by check, draft or similar order to third parties. An excessive withdrawal fee of $1.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of three during a quarter.

If the account is closed within 30 days of the opening date, a fee of $10.00 will be imposed.

Money Market Account:

This account is interest bearing and requires a minimum of $1,000.00 to open. Interest will be compounded every month, with the interest credited to the account monthly.

A service charge fee of $7.50 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. There is no limit to deposits into this account, transaction limitations include: limit of a total of six transactions per statement cycle, this includes 3 check transactions and 3 interbank transactions (transfers made by preauthorized transfers, automatic, telephone, or computer). An excessive withdrawal fee of $10.00 will be imposed for each debit transaction that exceeds the six allowed during a statement cycle.

Prestige Account:

This is an interest bearing account that requires an initial deposit of $25,000.00 to open. Interest is compounded monthly and credited to the account on a monthly basis. If you should close the account before interest is credited, you will not receive the accrued interest. In order to obtain the disclosed annual percentage yield, you must maintain a minimum balance of $25,000.00 in the account each day.

A service charge fee of $7.50 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. You may make unlimited deposits to this account, but all transactions made must be made in-bank.

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.