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Product Rate APR
15 Yr. Fixed 3.125% 3.301%
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Product Rate APR
24 Month ($500 Min.) 0.75% 0.75%
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Product Rate APR
Hometown Interest Checking 0.05% 0.05%
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Checking

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At Citizens National Bank we offer a variety of checking accounts to accommodate your financial goals and
fit your lifestyle.

All of our checking accounts include the following free of charge:

  • Online Banking
  • Telephone Banking
  • Mobile Banking
  • Debit/ATM Card
  • E-Statements

Account Type Minimum Balance To Open Monthly Service Charge Balance to Avoid Service Charge Interest Paid Minimum Balance to Earn Interest
Hometown Free Checking
More Info
$25 $0 N/A No N/A Application
Hometown Student Checking
More Info
$25 $0 N/A No N/A Application
Hometown Interest Checking
More Info
$1,000 $10 $1,000 Yes $1,000 Application
Hometown Club Account
More Info
$25 $6 N/A Yes $1,000 Application
Hometown
E-Checking
More Info
$200.00 $0 $200.00 No N/A Application
Classic Club (55+)
More Info
$25 Depends on
account type
N/A Depends on account type N/A Application
Business Checking
More Info
$25 $5 $500 No N/A Application


Reorder Checks

To reorder your checks, please click here.

Hometown Free Checking

There's no minimum balance requirement and no monthly maintenance fee.

  • Requires an opening balance of $25
  • No monthly fee and no minimum balance
  • Unlimited check writing
  • Free safekeeping of checks; $2 for check image statement

Hometown Student Checking

This account is available to full-time students and offers you everything you need to manage your money at home or at school, without any monthly fees.

  • Requires an opening balance of $25
  • No monthly fee and no minimum balance
  • 1st box of Panther or CNB checks free
  • Free photo debit card
  • Unlimited check writing
  • Free safekeeping of checks; $2 for check image statement

Hometown Interest Checking

This account is designed for individuals who maintain a higher balance. It offers the convenience of a checking account with the added benefit of interest.

  • Requires an opening balance of $1,000
  • No fee with $1,000 balance, otherwise it is $10 per month
  • Interest is paid on balances over $1,000
  • Click here for current interest rates
  • Free safekeeping of checks; $2 for check image statement

Hometown Club Account

A checking account offering Bank benefits and important services for one small fee per month.
(Requires an opening balance of $25).

Club Benefits:

  • Free online bill pay
  • 1 free box of CNB checks per 12 month period
  • Free photo debit card
  • 3 free non CNB ATM withdrawals per month
  • Interest earned on daily collected balance of $1,000 or more at the current Hometown Interest account rates
  • Identity Watch
  • Identity Theft 911
  • Easy Saver Rewards Center giving you access to hundreds of popular merchants, you will find great deals and get paid to shop by earning cash.  In addition to cash back, customers will find coupons and free shipping offers from top retailers and brands online.
  • Half price Money Orders
  • $2 off Safe Deposit Box rental per year with auto debit from checking
  • Free safekeeping of checks; $2 for check image statement
  • 1,000 ScoreCard Reward points with a new CNB Credit Card
  • $10,000 Accidental Death Insurance
  • $6 Monthly Fee – (Additional Accidental Death Insurance is Available)

$7 Monthly Fee - $20,000 Accidental Death Insurance
$8 Monthly Fee - $30,000 Accidental Death Insurance

Hometown E-Checking

Checking designed for individuals who prefer a paperless account.

  • Requires an opening balance of $200
  • If balance falls below $200 a $5 service charge will be assessed that month
  • Free Bill Pay, (10 Free Bill Pay transactions per month, .40 cents per additional Bill Pay transaction)
  • Direct Deposit & E-Statements are required 
  • Free Debit Card (Qualifications Apply)
  • Free Online & Mobile Banking

Classic Club

Customers age 55 and up are able to join our Classic Club.  To be a Classic Member, choose one of our 3 checking account options;

Classic Club Hometown Free Checking
Classic Club Hometown Interest Checking
 
Classic Club Checking with Hometown Club Benefits  

or deposit a minimum of $5,000 in either a Savings or Certificate of Deposit (CD).  

Whichever account option fits your financial needs - you will receive a monthly newsletter which will keep you infomed of all current trips and parties being planned.  You can choose to take part in these events by reserving your spot!  Check out our Classic Club page here!

Business Checking

  • Requires an opening balance of $25
  • No fee with $500 balance, otherwise it is $5 per month
  • $0.10 transaction fee per check paid
  • Credit of $0.10 per $100 balance, based on low statement balance and credited toward service charge
  • Free check images included with monthly statement