Checking Accounts

We know that choosing where you have your checking account is one of the most important banking decisions you can make. After all, it is your main account. It's where your paycheck is deposited, the account you use to pay your bills, and it's the account you withdraw from at the ATM when you need cash now. That's why Citizens National Bank has several checking accounts that are suited for your needs!


E-Checking - Save Money and Time!

Environmentally friendly checking account that has no service charges if you have electronic statements, six debit card (point of sale) transactions per cycle, and direct deposit of income. Electronic statements are accessed via secure NetTeller online banking. If criteria are not met, there is a $2.00 service charge per cycle. Access your account anywhere, anytime, even on your mobile device.


Regular Checking - Simple and Easy!

Retain paper copies of your statements for accurate record-keeping. This account type has paper statements conveniently mailed to your door or post office box every month. There is a $7.50 service fee per cycle. Enjoy the flexibility of no direct deposit or minimum balance requirements while still getting paper statements for your records.


Student Checking - Start in School!

Don't wait until you're out of school to start a checking account! Access your funds via our Visa® Debit Card and manage your account anywhere with our AirTeller mobile apps. This product is free for all students under the age of 18 and has no service charges for any student older than the age of 18 if you have electronic statements, six debit card (point of sale) transactions per cycle, and verification of enrollment in school. If criteria are not met, there is a $2.50 service charge per cycle. No matter where your education takes you, you'll always be in charge of your checking account. 


Senior Checking - Enjoy Your Best Years!

If you're 55 years of age or older, enjoy this free checking account product! Receive free paper or electronic statements of your choosing and free complimentary basic checks. Don't spend your golden years worrying about your financial security. With this product, you can enjoy all the perks of a checking account with none of the costs.

Super NOW - Earn More Interest!

Want to earn interest on your checking account? Enroll in a Super NOW (Negotiable Order of Withdrawal) account today to begin earning interest, not just on your savings accounts, but on your checking account as well. Your account has no service charges if your balance remains above $1,000.00. If your balance falls below $1,000.00 during a statement cycle, there is a charge of $7.50 and $.15 per debit item for that cycle. Paper statements are included for free, and higher balances can earn even higher interest rates!

CIMA - CNB's Money Market Account!

Start earning interest today with a Citizens Insured Money Account. Your account has no service charges if your balance remains above $2,500.00. If your balance falls below $2,500.00 during a statement cycle, there is a charge of $7.50 and $.15 per debit item for that cycle. CIMAs are designed for customers who plan to save at high balances and do not intend to make regular withdrawals or third party checks. Paper statements are included for free, and higher balances can earn even higher interest rates!

Business Checking - Perfect for Commercial Customers!

Whether you're a sole proprietor who's self-employed or a small or large business owner, this account will allow you the convenience of paper statements at low or no cost. There is a charge of $7.00 per cycle and $.10 per debit, with a $10.00 return deposit fee per item. Businesses offset these expenses with an earnings credit of the Target Federal Funds Rate less 2.25%, with a minimum rate of 0.1%. 

Estate Checking

This product holds liquidated financial assets during the probate process. It can be used to pay bills owed by the estate by its executor or executrix. There is no monthly charge for the account. There is a $10.00 fee per 25 estate checks. The account is closed once probate is complete and all the assets of the estate are settled. 

Other Checking Account Products

Citizens National Bank also offers a variety of specialized checking account products for Non-Profit Organizations, Townships, IOLTAs (Interest on Lawyers Trust Accounts), and other account types. For more information regarding opening these accounts, please contact the Citizens National Bank location nearest you.

Click here to view the current interest rates for all of our deposit account products.

Note: Transaction limits and other restrictions may apply with certain deposit products. Maintaining minimum balance(s) is required to obtain any disclosed annual percentage yields.