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  Citizens National Bank Classic Blue Checking
Citizens National Bank Classic Blue Checking Unaffiliated

Citizens National Bank Classic Blue Checking

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0 - $5
Minimum Balance to Avoid Monthly Fee Starting at $500

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 service 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.
  • Up to $10 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through Citizens National Bank.

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 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, this account is 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 Minimums
Description
Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $500
Minimum Direct Deposit to Avoid Monthly Fee $100

What fees does Citizens National Bank Classic Blue Checking charge?

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

Citizens National Bank Classic Blue Checking Fees
Description
Monthly Fee $0 - $5
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $10
Overdraft Protection Fee (per transfer) $10
Online Bill Pay Fee $0

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

This account includes the following features:

  • ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $10.
  • Fraud monitoring - Citizens National Bank Classic Blue Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online 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 or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Citizens National Bank Classic Blue Checking?

The customer support email for Citizens National Bank Classic Blue Checking is deposit.helpdesk@yourcnb.com.

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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.

Message From Citizens National Bank

We know that one size does not fit all. So we offer checking accounts that are as unique as you are! Explore the options with your Personal Banker today!

See Why It's Our Most Popular Account. ClassicBlue Checking. Free for Students and Seniors. Open with $50. Free CNB Debit Card and no ATM fees. No monthly maintenance fee.
Bank anywhere, anytime with just your smartphone.

Availability

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

Feature Breakdown

Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $500
Minimum Direct Deposit to Avoid Monthly Fee $100
Monthly Fee $0 - $5
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $10
Overdraft Protection Fee (per transfer) $10
Online Bill Pay Fee $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing
APY (Annual Percentage Yield) 0%

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