Citizens National Bank

We are a locally owned bank that has been serving the people of Pulaski County, Kentucky since 1920. We offer a wide range of products to help you achieve your financial goals along with a high level of customer service and convenient locations.

Checking & Savings

Whatever your business needs may be, Citizens National Bank can tailor a checking account to meet your exact needs.

Business Checking
  • $500 Minimum Balance
  • If account falls below minimum balance, there is a $6 monthly fee.
  • Paper Statement includes check images
  • Free Online Banking with Bill Payment
  • Eligible for two (2) free debit card
Business Super N.O.W.

A Business Super N.O.W. (Negotiable Order of Withdrawal) account is an interest bearing checking account available to sole proprietor business owners and certain non-profit organizations. Corporations for-profit are not eligible.

  • $500 Minimum Balance
  • Interest rate is subject to change monthly. The interest is compounded daily on your daily ending balance and added to your balance at the end of the statement cycle.
  • If account falls below minimum balance, there is a $10 monthly fee
  • No interest will be paid on the account balance during the days it is below $500
  • Paper Statement includes check images
  • Free Online Banking with Bill Payment
  • Eligible for two (2) free debit cards
Business Money Market Savings

Citizens Money Market Fund is a limited transaction, high interest account. The rate of interest is tied to current Money Market rates and is subject to change monthly. By maintaining a higher balance, you can earn a higher interest rate. Interest on the Money Market Fund is compounded daily, determined by the daily ending balance and added to the balance at the end of the month. The Business Money Market account has two rate structures: $500 – $49,999 and $50,000 – over.

  • If the account balance falls below $500, a $10 monthly service charge will be assessed.
  • No interest will be paid on the account balance during the days it is below $500.
  • You are permitted six (6) withdrawals from the account each month. If this number is exceeded, a $10 charge will be imposed for each item in excess of six (6).
  • Free Online Banking with Bill Payment
Citizens Gold Money Market Savings

For those who maintain a higher balance in their Money Market Account and do not need access to the funds on a regular basis, this high yield Money Market is just for you!

  • Minimum balance of $25,000 required. If balance falls below minimum, interest is forfeited only on the days the balance is below the minimum.
  • One internal withdrawal or transfer per month allowed.
  • Additional transfers are a $10 fee.
  • Checks are not provided.
  • Interest rate is subject to change monthly.