Citizens National Bank Everyday Checking Reviews (Nov. 2020) | Checking Accounts

Highlights
Monthly Fee	$0 - $12
ATM Fee: Out-of-Network	N/A
Minimum Balance to Avoid Monthly Fee	$800
APY (Annual Percentage Yield)	N/A

Citizens National Bank Everyday Checking Review

Citizens National Bank Everyday Checking is offered by Citizens National, a bank founded in 1985 and based in Bossier City, LA. Citizens National Bank Everyday Checking is available in 1 state across the USA.

Key Takeaways

Charges a monthly fee. This account charges a monthly maintenance fee of up to $12, but the fee is waived if you keep a minimum balance of $800.
Large minimum initial deposit. You need a minimum deposit of $100 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
Free bill pay. Pay your bills to practically anyone in the United States through Citizens National.
Hard credit pull. Citizens National may require a hard pull on your credit report to open a checking account.

Citizens National Bank Everyday Checking Pros & Cons

Pros	Cons
Access to physical branches. Free debit card and the option to lock/unlock the card if lost or stolen No charge on incoming domestic or international wire transfers.	No signup bonus. Does not earn interest. Does not provide access to a nationwide ATM network. Only available in one state. Monthly service charge.

Citizens National Bank Everyday Checking FAQ

Are checking accounts from Citizens National federally insured?

Yes, your Citizens National 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 Everyday Checking offer?

What are the account minimums for Citizens National Bank Everyday Checking?

Citizens National Bank Everyday Checking requires a minimum initial deposit of $100 to open an account.

Citizens National Bank Everyday Checking Account Minimums
Description	Amount
Minimum Initial Deposit	$100
Minimum Balance to Avoid Monthly Fee	$800

What fees does Citizens National Bank Everyday Checking charge?

This account charges a monthly maintenance fee of up to $12.

Citizens National Bank Everyday Checking Fees
Description
Monthly Fee	$0 - $12
Paper Statement Fee	N/A
ATM Fee: In-Network	N/A
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	N/A

What features and perks does Citizens National Bank Everyday Checking offer?

This account includes the following features:

Fraud monitoring - Citizens National Bank Everyday 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 Everyday Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.

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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.