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.


Bounce Protection┬« is an overdraft privilege for all personal checking account customers in good standing. It requires no action on your part for you don’t have to sign anything. Your Bounce Protection┬« limit is automatically assigned. This service offers the peace of mind that your checks will be paid up to your predetermined limits. Various limits available, depending on account type, up to $750.00.


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

  1. The funds will be advanced 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. If the secondary account has less than $100.00 the funds will not be transferred. A notice will be sent when a transfer is made and will also appear on the monthly statement.


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 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.)

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