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.
Free Checking
  • No Minimum Balance
  • $100 Required to Open Account
  • Free ATM/Debit Card
  • Instant Issue ATM/Debit Card with Fee
  • Paper statement only with no image of check
  • E-Statement Available
  • $300 Overdraft Protection Available
  • Free Online & Mobile Banking with Bill Payment
  • Free Mobile Deposit
  • E-Statement Available
  • 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 & Mobile Banking with Bill Payment
  • Free Mobile Deposit
  • E-Statement Available
  • Eligible for Citizens 24 or Citizens 24+ 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
  • Instant Issue ATM/Debit Card with Fee
  • No transaction fee at any Citizens National Bank ATM
  • Local merchant discounts with Citizens 24 Card
  • Optional AAA Membership available at discounted rate
  • $100 Overdraft Protection Available
  • Free Online & Mobile Banking with Bill Payment
  • Free Mobile Deposit
  • 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
  • Free Online & Mobile Banking with Bill Payment
  • Free Mobile Deposit
  • E-Statement Available
  • Eligible for Citizens 24 or Citizens 24+ Upgrade*
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
  • Instant Issue ATM/Debit Card with Fee
  • Tax free withdrawals for qualified medical expenses
  • Contribution limits apply
  • Pre-tax contributions
  • Free Online & Mobile Banking with Bill Payment
  • Free Mobile Deposit
  • E-Statement Available
*Account UPGRADE Features
  • Citizens 24 
  • Citizens 24+
  • 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
    • Includes all features of checking account chosen

 

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 10 locations.