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Citizens National Bank


Personal Banking


Checking

Regular Checking

  • $300.00 minimum balance.
  • Minimum opening balance of $100.00.
  • Unlimited checks.
  • $4.00 service charge if balance falls below minimum.
  • Free debit card.*

CNB Free Checking

  • No minimum balance.
  • Minimum opening balance of $100.00.
  • No service charges.
  • Free debit card.*
  • First order of CNB Free checks.  Subsequent orders free with direct deposit.

Fabulous Fifties Plus

  • Must be age 50 or older.
  • Minimum opening balance of $500.00.
  • Free bank checks or $7 credit toward alternate check style.
  • No service charge.
  • ¼% rate increase for 18 month CD.
  • Unlimited checks per month.
  • Free debit card.*
  • Free Cashier checks and Travelers Checques.
  • Choice of Fabulous Fifties imprinted above signature line.
  • 10% discount on safe deposit box

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Youth Performance Checking

  • Opening balance of $25.00.
  • Guardian or parent co-owner for minor.
  • Must be 18 or under or full time student.
  • No service charge.
  • Overdraft protection available from guardian or parent.
  • First check order free – $7.00 credit toward future purchases.

Freedom Interest Checking

  • $500.00 minimum balance.
  • Opening balance of $100.00.
  • $7.00 service charge if balance falls below minimum.
  • Unlimited checks.
  • Free Debit Card*.
  • Tiered/Variable rates:
    • $500 - $2,499
    • $2,500 - $24,990
    • $25,000 – up

* Generally, account must establish a 90 day history without overdraft occurrences before Debit Card will be ordered.

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Savings

CNB Club

  • Contributions in $5.00 increments.
  • Automatic account payment:  weekly, bi-weekly, or monthly.
  • Club checks issued 1st Monday of November.
  • Interest paid annually.
  • $20.00 early withdrawal fee.

Statement Savings

  • $100.00 minimum balance.
  • Opening balance of $200.00.
  • 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.

Youth Performance Savings

  • $100.00 minimum balance.
  • Opening balance of $100.00.
  • Must be 18 or under or full time student.
  • 3 withdrawals allowed per month; $2.00 fee per withdrawal over 3.
  • Service charge - $2.00 per month below minimum balance.
  • $15.00 fee for account closed within 90 days.
  • Interest paid quarterly.

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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
Certificates of Deposit

All Certificates of Deposit (CD) have:

  • $500.00 minimum balance.
  • Interest paid quarterly with alternate methods of payment available.
  • Withdrawal penalty of 1 month interest for terms of 12 months or less.
  • Withdrawal penalty of 6 months interest for terms of greater than 12 months.

CD Products

  • 3 month
  • 6 month
  • 12 month
  • 18 month
  • 18 month Fabulous Fifties Plus
  • 24 month
  • 30 month
  • 36 month
  • 48 month
  • 60 month

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Individual Retirement Account

All Individual Retirement Accounts (IRA) have:

  • $500.00 minimum balance.
  • Interest paid quarterly.
  • Withdrawal penalty of 1 month interest for terms of 12 months or less.
  • Withdrawal penalty of 6 months interest for terms of greater than 12 months.

IRA Products

  • 6 month
  • 12 month
  • 18 month
  • 24 month
  • 30 month
  • 36 month
  • 48 month
  • 60 month

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