Personal Checking
Free Checking
- No Service Fee
- No Minimum Balance
- $100 Required to Open Account
- Free ATM/Debit Card
- Paper statement only with no image of check
- E-Statement Available
- $100 Overdraft Protection
- Free Online Banking with Bill Payment
- Eligible for add-on features*
Personal Checking
- $500 Minimum Balance
- No Service Fee
- If Account Falls Below Minimum Balance, there is a $6 monthly fee
- Paper Statment includes check images
- $300 Overdraft Protection
- Free Online Banking with Bill Payment
- Eligible for add-on features*
Young Citizens
If you are between the ages of 16 - 25, this account is for YOU!
- No Minimum Balance
- No Maintenance Fee
- Free First Order of Checks
- Free ATM/Debit card
- No transaction fee when using a STAR ATM
- Free Online Banking with Bill Payment
- $100 Overdraft Protection
- Local merchant discounts with Citizens 24 Card
- Optional AAA Membership for $3.50 per month
Personal Super N.O.W.
A Super N.O.W. (Negotiable Order of Withdrawal) account is an interest bearing checking account available to individuals and sole proprietor business owners.
- $500 Minimum Balance
- No Service Fees
- 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
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
- No Service Fees
- Interest Earning Account with balance above $500
- Free ATM/Debit Card
- Tax free withdrawals for qualified medical expenses
- Contribution limits apply
*Account Add-on 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. It will be deposited to your account so there is no opportunity for them to be lost, stolen, or misplaced. Features include:
- No Minimum Balance
- No Service Fees
- Free Checks
- Overdraft protection based on type of deposit
For more information, contact a Customer Service representative at any of our 9 locations.
