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  Citizens National Bank Classic Blue Checking

Citizens National Bank Classic Blue Checking

in Checking Accounts from Citizens National Bank · Member fdic

Unaffiliated

Citizens National Bank Classic Blue Checking

Unaffiliated

in Checking Accounts from Citizens National Bank · Member FDIC

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Highlights
Monthly Fee $0 - $5
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee $500
APY (Annual Percentage Yield) 0%

Citizens National Bank Classic Blue Checking Review

Citizens National Bank Classic Blue Checking is offered by Citizens National Bank, a bank founded in 1888 and based in Meridian, MS. Citizens National Bank Classic Blue Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • 0% APY. As with most checking accounts, Citizens National Bank Classic Blue Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $5, but the fee is waived if you keep a minimum balance of $500 or have a monthly direct deposit of $100.
  • $50 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Up to $10 in ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
  • Free bill pay. Pay your bills to practically anyone in the United States through Citizens National Bank.
  • Hard credit pull. Citizens National Bank may require a hard pull on your credit report to open a checking account.
Citizens National Bank Classic Blue Checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not earn interest
  • Monthly service charge (if minimums are not met).
Citizens National Bank Classic Blue Checking FAQ

Are checking accounts from Citizens National Bank federally insured?

Yes, your Citizens National Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Citizens National Bank Classic Blue Checking offer?

Citizens National Bank Classic Blue Checking is not an interest-bearing account.

What are the account minimums for Citizens National Bank Classic Blue Checking?

Citizens National Bank Classic Blue Checking requires a minimum initial deposit of $50 to open an account.

Citizens National Bank Classic Blue Checking Account Minimums
Description Amount
Minimum Initial Deposit $50
Minimum Direct Deposit to Avoid Monthly Fee $100
Minimum Balance to Avoid Monthly Fee $500

What fees does Citizens National Bank Classic Blue Checking charge?

This account charges a monthly maintenance fee of up to $5.

Citizens National Bank Classic Blue Checking Fees
Description
Monthly Fee $0 - $5
Paper Statement Fee N/A
ATM Fee: In-Network $0
ATM Fee: Out-of-Network N/A
NSF Fee N/A
Overdraft Protection Fee (per transfer) N/A
Overdraft Item Fee N/A
Early Account Closure N/A
Returned Deposit Fee (Domestic) N/A
Debit Card Replacement Fee N/A
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee N/A
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) N/A
Wire Transfer Fee - Domestic (Outgoing) N/A
Wire Transfer Fee - International (Outgoing) N/A
Wire Transfer Fee - International (Incoming) N/A
Returned Deposit Fee (International) N/A
Wire Transfer Fee - Domestic (Incoming) N/A
ATM Reimbursement Monthly Limit $10

What features and perks does Citizens National Bank Classic Blue Checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks up to a monthly maximum of $10.
  • Fraud monitoring - Citizens National Bank Classic Blue Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Citizens National Bank Classic Blue Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Direct Deposit to Avoid Monthly Fee $100
Minimum Initial Deposit $50
Minimum Balance to Avoid Monthly Fee $500
ATM Fee: In-Network $0
Online Bill Pay Fee $0
ATM Reimbursement Monthly Limit $10
Monthly Fee $0 - $5
Bank Account Features
  • FDIC Member
  • Check Writing
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • ATM Reimbursement
  • Mobile Check Deposit

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