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Consumer Services


Checking

Citizens National Bank – Consumer products to fit your every need, pricing to suit the way you handle your bank account. Our friendly and professional staff is ready to help you and answer any of your questions. We also have a variety of electronic banking products for your convenience.


Choice Checking

Our top-of-line checking account incorporates all of the values and features you need and expect from your bank at a very reasonable price.  Features include:  Identity Theft Insurance, AD&D insurance, Everyday Rebate Rewards, and more.  Also includes rebated ATM transactions so that you can use your Citizens Debit card at any ATM with no worry about a fee.  Discount applies for our Fifty Plus customers.  Not your ordinary checking account!


Everyday Checking

This account provides the features most people prefer and at no cost to you if you maintain the required minimum balance.  See or call one of our courteous and knowledgeable Customer Service Representatives for more details.  An initial deposit of $100 will open this account and we have a wide variety of check styles available.


Express Checking

No monthly fee for this account which also includes rebated ATM transactions so that you can use your Citizens Debit card at any ATM with no worry about a fee.  To qualify for this account, both direct deposit and electronic statement are required.  Go Green!


Fifty Plus Checking

This account is available to anyone over the age of fifty and is a great buy because you receive several important services with no monthly fee regardless of your balance.  In addition, Fifty Plus customers receive:

  • No monthly fee
  • Free Standard Printed checks (wallet styled basic)
  • Free Official Checks
  • Free Travelers Checks
  • Our Customer Service Representatives will explain all the details when you open your ‘Fifty Plus’ account.


    Additional Services

    We also offer special accounts for Clubs, Religious and Fraternal groups. Call or stop by any of our convenient branch locations and ask for details.


    Money Market Account

    Our Money Market Account is an interest bearing account that provides an excellent return for your investment. You are allowed up to six transfers monthly, three of which can be made by check. Unlimited withdrawals may be made in person. The interest varies and is paid monthly.

  • $2,500 required to open
  • Monthly service charge applies when balance falls below $2,500
  • $10 for each withdrawal after 3 in any month

  • Checking Plus Interest

    An account that offers both flexibility and interest. This account is perfect for the household that needs more frequent access to funds in the account while letting the balances in the account earn interest.

  • $1,500 required to open
  • Monthly service charge applies when balance falls below $1,500