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Personal Banking

 

Checking

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. Download the online Switch Kit PDF here.

For more information, contact a Customer Service representative at any of our 10 locations.

 

 

Savings

Personal Savings

Competitive interest rates, compounded daily, and paid quarterly.

  • Minimum Opening Deposit – $25
  • Six (6) transaction withdrawals allowed quarterly; a fee of $1 for each withdrawal exceeding limit will be assessed.
  • $3 service charge will be assessed on an active account if the balance falls below $100 during a calendar quarter.
  • Account does not earn interest if balance is less than $25
 

Youth Savings

  • No Minimum Opening Deposit
  • No Service Fees
  • Account does not earn interest if balance is less than $25.
 

Moolah Moose Club

  • Preschool thru 12th Grade
  • Receive $1 for every “A”
  • $10 Maximum per grading period
  • Report Card needed for verification
  • No Minimum Opening Deposit
  • No Service Fees
  • Account does not earn interest if balance is less than $25.
 

Christmas Club

  • Fixed Interest Rate
  • Minimum Opening Deposit – $2
  • Savings account with weekly, bi-weekly or monthly electronic contributions from checking or savings
  • Accounts can be opened from October 1 – December 31. Checks are mailed in October.
  • Must close account if early withdrawal
  • If account is closed before interest is credited, accrued interest will not be received.
 

Vacation Club

  • Fixed Interest Rate
  • Minimum Opening Deposit – $2
  • Savings account with weekly, bi-weekly or monthly electronic contributions from checking or savings
  • Accounts can be opened from March 1 – April 30. Checks mailed in March.
  • Must close account if early withdrawal
  • If account is closed before interest is credited, accrued interest will not be received.
 

Certificate of Deposit

A CD allows a customer to earn a high rate of interest while maintaining control over liquidity and interest distributions. CD’s are good investments for individuals, corporations, or organizations seeking long term investments. Interest is paid by check, automatic deposit to designated account or can be added back to the CD. Interest is paid at maturity, monthly, quarterly, or semi-annually. The minimum deposit starts as low as $1,000. See the current rates here.

 

Personal Money Market

Citizens Money Market Fund is a limited transaction, high interest account. The rate of interest is tied to current Money Market rates and is subject to change monthly. By maintaining a higher balance, you can earn a higher interest rate. Interest on the Money Market Fund is compounded daily, determined by the daily ending balance and added to the balance at the end of the month. The Personal Money Market account has two rate structures: $500 – $49,999 and $50,000 – over.

  • If the account balance falls below $500, a $10 monthly service charge will be assessed.
  • Interest will be forfeited only on the days the balance falls below $500.
  • You are permitted six(6) withdrawals from the fund each month. If this number is exceeded, a $10 charge will be imposed for each item in excess of six(6).
  • $750 Overdraft Protection Available
 

Citizens Gold Money Market

For those who maintain a higher balance in their Money Market Account and do not need access to the funds on a regular basis, this high yield Money Market is just for YOU!

  • Minimum balance of $25,000 required. If balance falls below minimum, interest is lost only on the days the balance is below the minimum.
  • One (1) internal withdrawal or transfer per month allowed.
  • Additional transfers are a $10 fee.
  • Checks are not provided.
  • Interest rate is subject to change monthly.
 

Individual Retirement Accounts

TRADITIONAL IRA
Individual Retirement Accounts (IRA) are tax deferred interest-bearing accounts available to anyone with earned income to set aside for retirement.*  The plan is on an 18 month maturity and can be fixed or variable rate. The fixed rate plan minimum deposit is $2,000, whereas the variable rate plan minimum deposit is $40. Eligibility is open to individuals under the age of 70 ½ who earned salaries or wages. Distribution can be made at 59 ½ without penalty. Click here for current rates.

ROTH IRA
The Roth IRA is a non-tax deferred account that features tax free withdrawals on all personal contributions at any time. If you meet certain requirements, including a five year holding period, all earnings are also tax free when you or your beneficiary make withdrawals. Remember that with a Roth IRA you are not required to take a minimum distribution at age 70 1/2 unlike a Traditional IRA. Furthermore, since Roth IRA contributions are taxed in the year they are earned, people who expect to be in a higher tax bracket when they retire may benefit more from these accounts than from a Traditional IRA. Please contact your tax advisor for specific information to determine your eligibility for a Traditional or Roth IRA contribution or withdrawal.

This plan is on a 24 month maturity and can be fixed or variable rate. The fixed rate plan minimum deposit is $2,000, whereas the variable rate plan minimum deposit is $40. Eligibility is open to individuals under the age of 70 ½ who earned salaries or wages. Distribution can be made at 59 ½ without penalty.

* Certain restrictions and contribution limits apply. Consult a tax advisor regarding eligibility.

 

Specialized Savings Accounts

COVERDELL EDUCATION SAVINGS ACCOUNT
This account is a non-tax deferred account that features tax-free withdrawals for a very specific purpose – a child’s higher education expenses. The total aggregate contribution into one or more Education IRA’s on behalf of a child is $2,000 for a taxable year.

529 EDUCATIONAL SAVINGS PLAN
Available through the Citizens National Bank Trust Department. Call Julie Raines at 606-679-6341 ext. 2240 for more information.

Citizens National Bank has multiple investment products that may fit your needs. For more information visit any branch location or call Beth Combs at 606-679-6341 ext. 2231.

 

 

Citizens 24

Add Citizens 24 to any checking or savings account and receive these great features for a small monthly fee of $6.50.
  • $300 Overdraft Protection Available
  • Free Clubline Checks
  • Free ATM/Debit Mastercard
  • Instant Issue ATM/Debit Card with $5 Fee
  • No Minimum Balance
  • No Transaction Fee at any Citizens National Bank ATM
  • Discounts at Local Merchants
  • Accidental Death/Dismemberment Insurance ($10,000)
  • No Charge on Official Checks
  • No Stop Payment Charge
  • Free Notary Public Services
  • Free Copying Services (up to three per month)
  • Identity Theft Protection Insurance (up to $10,000)
 
 

Citizens 24+

Add Citizens 24+ to any checking or savings account and receive these great features for a small monthly fee of $8.25.
  • Includes all the features of Citizens 24, plus…

  • $500 Overdraft Protection
  • AAA Membership- Features Include:
    • 24-hour Emergency Road Service
    • Hotel & Car Rental Savings
    • Leisure travel values from America’s largest travel agency
    • Show Your Card & Save savings on shopping, dining and entertainment
    • Discounts on Theme Parks & Movie Tickets
    • Free Maps, TripTiks, TourBooks and CampBooks
    • Financial Services
    • Insurance Services
  • For more information, contact Margaret Burkett at 606-679-6341, ext. 2282.

 
 

Overdraft Protection Options

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

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.

 

Protection from Transfer

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.

 

Protection from Goldline

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 Privilege

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 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.

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