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Citizens National Bank


Business Banking


Checking

Small Business Checking

  • $500.00 minimum balance.
  • Opening balance of $100.00.
  • $7.50 service charge if balance falls below minimum.
  • 30 debits allowed per month; $1.00 per debit item over 30.
  • 20 deposits allowed per month; $1.00 per deposit over 20.
  • $7.00 credit toward check purchase.

Business Checking

  • $1,000.00 minimum balance.
  • Opening balance of $100.00.
  • $7.50 service charge if balance falls below minimum.
  • 100 debits allowed per month; $1.00 per debit item over 100.

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Commercial Checking Analysis

  • $10.00 monthly analysis charge.
  • Per item fees: 
    • .10 per debit
    • .25 per deposit
    • .05 per deposited item
  • $5.00 charge per return item.
  •  Earnings credit rate applied to collected balance – reserve required.

Community Checking

  • Non-profit organizations, fiduciary.
  • No service charge.
  • Opening balance of $100.00.

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Savings

Community Savings

  • Non-profit organizations.
  • Opening balance of $100.00.
  • 3 withdrawals allowed per month; $2.00 fee per withdrawal over 3.
  • Interest paid quarterly.

Business Savings

  • $300.00 minimum balance.
  • Opening balance of $100.00.
  • 3 withdrawals allowed per month; $2.00 fee per withdrawal over 3.
  • Service charge - $3.00 per month below minimum balance.
  • $15.00 fee for account closed within 90 days.
  • Interest paid quarterly.

American Money Market

  • $1,000.00 minimum balance.
  • Opening balance of $100.00.
  • $7.00 service charge if balance falls below minimum.
  • 6 debits, 3 of which may be third party checks, allowed per month; $5.00 per debit item over 6.
  • Interest paid monthly.
  • Tiered/Variable rates:
    • $1,000 - $9,999
    • $10,000 - $49,999
    • $50,000 - $99,999
    • $100,000 - up

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