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Personal Checking

The Citizens National Bank offers a variety of checking accounts for you to compare and find the one that best fits your needs.

Personal Checking Accounts Comparison

Accounts	Premier Interest Checking	Interest Checking	Virtual Checking	Image Checking	Student Checking	Rewards Interest Checking (Only Available in NEK Market Area)
Requirements	$1,000 minimum balance	$300 minimum balance	Direct deposit or ACH debit 10 Debit Card purchases per statement e-Statements	NONE	Customer must be age 23 & under e-Statements (Moves to Virtual Checking at age 24)	Direct deposit Plus additional relationship**
Interest Earning	Yes	Yes	N/A	N/A	N/A	Yes
Minimum Balance to Open	$25	$25	$25	$25	$25	$25
CNB Branded Checks	Free (non-duplicate only)	Available	Available	Available	Available	Available
Monthly Maintenance Fee	NONE if requirement is met, otherwise $10	NONE if requirement is met, otherwise $6	NONE if requirements are met, otherwise $2	$5	NONE if requirements are met, otherwise $2	NONE if requirement is met, otherwise $10
Transaction Fee	NONE	NONE	NONE	NONE	NONE The Citizens National Bank ATM Charges will be refunded (subject to foreign ATM fees)	NONE
Monthly Statement	Free Paper or e-Statements	Free Paper or e-Statements	Yes e-Statements	Free Paper or e-Statements	Yes e-Statements	Free Paper or e-Statements
Check Imaging	Yes	Yes	N/A	Yes	N/A	Yes
Debit Card	FREE *	FREE *	FREE *	FREE *	FREE *	FREE *
Online Bill Pay	FREE	FREE	FREE	FREE	FREE	FREE
Online Banking	FREE	FREE	FREE	FREE	FREE	FREE
Mobile Banking	FREE	FREE	FREE	FREE	FREE	FREE
Mobile Deposit	FREE *	FREE *	FREE *	FREE *	FREE *	FREE *
VISA Travel Card	No purchase fee	Available	Available	Available	Available	No purchase fee
Money Orders	FREE	Available	Available	Available	Available	Available
VISA Credit Card with No Annual Fee	Available*	Available*	Available*	Available*	Available*	Available*

* Subject to approval

**Rewards Interest Savings Account, CNB CD, IRA, Money Market Account or Loan

For more detailed information or to open an account, visit with the Customer Service Representative nearest you.

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