Interest is paid on a tiered structure on collected balances, and is credited to the account on the date of statement issuance. There is no monthly maintenance fee on accounts with $1,000 average ledger balance on statement. Minimum deposit to open account is $50.00. There is no charge for the first 10 debits during the statement cycle. Fees may reduce the earnings on the account. The rates are subject to change daily, inquire with our Customer Service Representatives for our current rates, yields, and fees.*
 

Easy card accounts have a minimum $50.00 deposit to open. If minimum balance is less than $100, there is a $3.00 fee.  Each check posted during statement cycle is charged a $1.00 fee. Each cash withdrawal at an ATM not operated by Citizens is charged a $1.25 fee.  There are no fees for the first debit card issued per customer or debit card and electronic transactions. Optional services include a Bill Payer, Internet Banking and Phone Banking.  Statements are monthly. There is a $15.00 fee for closing an account within 30 days of opening.

 

Commercial accounts available for businesses of any size. See your local customer service representative for more information.

There is no monthly fee if you have 1) Direct Deposit, 2) a balance of more than $400 or 3) a personal C.D. or loan account, a Trust or Investment Services account or Citizens Insurance Services. The first 25 checks are free. Minimum deposit to open an account is $50.00. Interest rates increase with account balance. No interest will be paid on daily collected balances of less than $1,000. Fees may reduce the earnings on the account. There is a $1.25 fee for each ATM transaction at any ATM not owned by Citizens National Bank. Some fees apply for closing accounts within thirty days of opening.*

Smart Saver Checking: Minimum $50 deposit is required to open an account. Fee is waived if 62 or better. Fees based on account balance during statement cycle. Personalized checks are available in various designs and prices. Check charges are automatically debited from your account and take about two weeks to arrive at your home. Inquire with our Customer Service Representatives for the current account fees.*

Citizens proudly offers a new dimension in cash management. It's called Investment Checking. This account combines regular checking account services with automatic investment services. You can earn interest and have convenience and flexibility in your cash management that has never been possible before.

The Investment Checking account is offered through a regular checking account (or NOW account if you are eligible). If you are a present Citizens customer you may add Investment Checking to your existing account. A minimum balance based upon the type of account is required. Corporate or business accounts are subject to account analysis to determine balances required to meet account activity and maintenance costs.

Citizens National Bank has entered into an agreement with Federated Investor Inc., and balances in excess of the required minimum balance in the Investment Checking account are invested daily into one of the broad range of investment choices provided by Federated. The funds invested at Federated Investor Inc. are not deposits of the bank and are not insured by FDIC.

Citizens also offers its own Repurchase Agreement, secured by US Government Agency obligations, as an investment option to you. After you have selected the type of investment fund you want and have instructed us as to the amount you want us to invest daily for you, we do the rest. Imagine the convenience and increased income you will receive by not having to do anything other than make your deposit to your Investment Checking account.

How do you redeem your investment from the fund you have selected? Simple! All you do is write checks on your account just like you have in the past. Under the term of the Investment Checking agreement we'll automatically reduce the amount in your investment fund and credit your checking account by the amount necessary to bring your Investment Checking account back to the minimum balance required. You'll no longer have the inconvenience or worry of how to redeem your invested funds and those funds will earn interest up to the day your checks are presented to us for payment.

How do you take advantage of the Investment Checking service? Open your checking or NOW account today and sign our Investment Checking Account Agreement and Authorization. Citizens National Bank can provide you more convenience and greater profitability in all your financial services. Check with our Customer Service Representatives for more information about the Investment Checking Account and its fees.*

* Any questions regarding services, fees, or charges are welcomed and will be promptly answered. Citizens National Bank retains the right to change or modify fees and charges as deemed necessary. All information provided is deemed reliable but is not guaranteed and should be independently verified. Please contact our Customer Service Representatives for additional account terms and conditions.