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  Citizens National Bank Clean Slate Checking

Citizens National Bank Clean Slate Checking

in Checking Accounts from Citizens National Bank · fdic

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Citizens National Bank Clean Slate Checking

Unaffiliated

in Checking Accounts from Citizens National Bank · Member FDIC

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Highlights
Monthly Fee $0 - $9.95
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

Citizens National Bank Clean Slate Checking Review

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

Key Takeaways
  • 0% APY. As with most checking accounts, Citizens National Bank Clean Slate Checking does not pay interest.
  • $0 monthly Service Charge available. This account charges a monthly service fee of up to $9.95.
  • Bill pay. Pay your bills to practically anyone in the United States through Citizens National Bank.
Citizens National Bank checking account Pros & Cons
Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • 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
  • Higher than average wire transfer fees.
  • Monthly service charge.
Citizens National Bank checking account 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 checking account offer?

Citizens National Bank checking account is not an interest-bearing account.

What are the account minimums for Citizens National Bank checking account?

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

Citizens National Bank Clean Slate Checking Minimums
Description
APY Minimum Balance $0
Minimum Opening Deposit Starting at $50

What fees does Citizens National Bank checking account charge?

The good news is that this account does not have a monthly Service Charge.

Citizens National Bank Clean Slate Checking Fees
Description
ATM Fee: In-Network $0
Check Image Service $5
Debit Card Replacement Fee $5
Monthly Fee $0 - $9.95
NSF Fee $33
Online Bill Pay Fee $0
Overdraft Item Fee $33
Returned Deposit Fee (Domestic) $6
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $20
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $20
Wire Transfer Fee - International (Outgoing) $45

Does Citizens National Bank checking account charge overdraft fees?

Yes, Citizens National Bank checking account charges a $33 fee for every overdraft.

What features and perks does Citizens National Bank checking account offer?

This account includes the following features:

  • Fraud monitoring - Citizens National Bank checking account 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 checking account 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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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 Clean Slate 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!

Take Advantage of a Fresh Start. CleanSlate Checking. If you have trouble qualifying for a checking account, CleanSlate Checking can help you reestablish yourself financially. This account is designed to help you regain your financial strength and give you the opportunity to help wipe your financial slate clean. We want to help you get back to better banking. If this account is in good standing for 18 months, you qualify for a traditional checking account that offers more benefits that can help you continue your financial growth. Want to get better at saving money? We can help you do that with a CleanSlate Savings Account. 

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

APY Minimum Balance $0
Minimum Opening Deposit Starting at $50
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Check Image Service $5
Debit Card Replacement Fee $5
Monthly Fee $0 - $9.95
NSF Fee $33
Overdraft Item Fee $33
Returned Deposit Fee (Domestic) $6
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $20
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $20
Wire Transfer Fee - International (Outgoing) $45
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing

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