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.

Personal Checking

Free Checking

Use your ATM/debit card with confidence

  • No Minimum Balance
  • $100 Required to Open Account
  • Free ATM/Debit Card
  • Paper statement only with no image of check
  • E-Statement Available
  • $300 Overdraft Protection Available
  • Free Online Banking with Bill Payment
  • Eligible for Direct Deposit add-on feature only*
Personal Checking
  • $500 Minimum Balance
  • If account falls below minimum balance, there is a $6 monthly fee
  • Paper statement includes check images
  • $300 Overdraft Protection Available
  • Free Online Banking with Bill Payment
  • E-Statement Available
  • Eligible for Upgrade*
Young Citizens

If you are between the ages of 16 – 25, this account is for YOU!

  • No Minimum Balance
  • Free First Order of Checks
  • Free ATM/Debit card
  • No transaction fee at any Citizens National Bank ATM
  • Free Online Banking with Bill Payment
  • $100 Overdraft Protection Available
  • Local merchant discounts with Citizens 24 Card
  • Optional AAA Membership available for $3.50 per month
  • E-Statement Available
Personal Super N.O.W.

A Super N.O.W. (Negotiable Order of Withdrawal) account is an interest bearing checking account available to individuals.

  • $500 Minimum Balance
  • If account falls below minimum balance, there is a $10 monthly minimum balance fee
  • 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.
  • No interest will be paid on the account balance during the days it is below $500
  • $750 Overdraft Protection Available
  • E-Statement Available
  • Free Online Banking with Bill Payment
Health Savings Account

Must have coverage under HSA-qualified “high deductible health plan” (HDHP). Cannot have any other first dollar medical coverage, be enrolled in medicare or be claimed as a dependent on someone else’s tax return. Pay future medical expenses from this account.

  • No Minimum Balance
  • Interest earning account with balance above $500
  • Free ATM/Debit Card
  • Tax free withdrawals for qualified medical expenses
  • Contribution limits apply
  • Pre-tax contributions
  • Free Online Banking with Bill Payment
  • E-Statement Available
*Account UPGRADE Features
  • Citizens 24 - see Citizens 24 webpage
  • Citizens 24+ – see Citizens 24 webpage
  • Direct Deposit- Checks which are regularly recurring (such as Social Security, Railroad Retirement, Civil Service Retirement, Supplemental Security Income, etc) may be sent directly to Citizens National Bank. The funds will be deposited to your account so there is no opportunity for them to be lost, stolen, or misplaced. Features include:
    • No Minimum Balance
    • Free Checks for Customers age 65 & Over (excluding Free Checking accounts)
    • Overdraft protection based on type of deposit
    • E-Statement Available
Switch Kit

Join the Citizens National Bank family today! Use our Switch Kit to help take the hassle out of changing banks. This kit will help ensure you have covered all your bases when making the change so that we can move forward together. Click here to download the online Switch Kit.

For more information, contact a Customer Service representative at any of our 8 locations.