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  Citizens National Bank Classic Blue Checking

Citizens National Bank Classic Blue Checking

in Checking Accounts from Citizens National Bank · fdic

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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 Starting at $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 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 reimbursements. 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 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 Minimums
Description
Minimum Direct Deposit to Avoid Monthly Fee $100
Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $500

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
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $10
Monthly Fee $0 - $5
Online Bill Pay Fee $0

Does Citizens National Bank Classic Blue Checking charge overdraft fees?

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 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.
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Message From Citizens National Bank Classic Blue Checking

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.
  • 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 Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $500
ATM Fee: In-Network $0
Online Bill Pay Fee $0
ATM Reimbursement Monthly Limit $10
Monthly Fee $0 - $5
Account Features
  • Member FDIC
  • 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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