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.


An insufficient balance can result from payment of checks, electronic funds transfers or other requests, payments authorized by you, the return of deposited items, bank service charges, or the deposit of items not yet available to you according to the bank’s Funds Availability Policy.  Citizens National Bank typically will not pay an overdraft if the account is in bad standing, not maintaining regular deposits, or had excessive overdrafts.


Overdraft Protection guards a customer against returned checks and overdraft charges. Citizens National Bank offers two different ways for our customers to protect themselves.

  1. The funds will be transferred from a savings or another deposit account in $100.00 increments.
  2. A line of credit can be established called “Goldline” and be linked to a checking account and swept in $250.00 increments.


When a customer selects Overdraft Protection from Transfer, their overdrafts will be covered by transferring funds from their savings account or another deposit account into the primary checking account in $100.00 increments.  The fee is $5.00 per transfer.  A notice will be sent when a transfer is made and will also appear on the monthly statement.  If the secondary account has less than $100.00 the funds will not be transferred and the normal NSF fee will be charged.  A notice will be mailed to inform you of the returned item.


Goldline is a separate line of credit that can be linked to a customer’s checking account.  Funds can be swept in $250.00 increments into a checking account to cover overdrafts.  The fee is $5.00 per transfer.  The annual fee is $20.00 and the interest rate is indexed to New York Prime.  The customer pays interest only on the amount transferred and the amount can be repaid monthly or quarterly.  (Line of credit is subject to credit approval.)



Bounce Protection- How does it work?

Bounce Protection is an overdraft privilege for all personal checking account customers in good standing.  Bounce Protection will be available for all checks written, in-person withdrawals, and ACH transactions.  Bounce Protection requires no action on your part for you don’t have to sign anything, however you do have the option to decline the service at any time.  Bounce Protection limits are automatically assigned.  This service offers peace of mind that your checks will be paid up to your predetermined limits.  Various limits available, depending on the account type up to $750.00.  Bounce Protection will only be available for your ATM and debit card transactions if you authorize the bank to do so with verbal or written authorization.


What is the cost of Bounce Protection?

If you use Bounce Protection, you should remember the bank’s normal insufficient funds (NSF) fee of $30.00 for each transaction will be deducted from the account.  The bank will notify you by mail if any overdraft occurs.


How quickly must I repay my Bounce Protection?

You should make every effort to bring your account to a positive balance within 30 days.  If you are not able to do so, you will receive a letter from Citizens National Bank informing you of the situation and your options.  If, after a period of time, your account has not been brought into a positive balance, we will have no option but to close your account and take steps to recover funds.  No interest or daily fee will be charged on the overdraft balance.


What if I go beyond my Bounce Protection limit?

Overdrafts above and beyond your established Bounce Protection limit may result in a check or checks being returned to the payee.  The normal NSF fee will be charged per check and assessed to your account.  An NSF notice will be sent to notify you of our actions.


For more information contact a Customer Service representative at the Main Office or at any Branch Location.