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  Citizens National Bank High Yield Checking

Citizens National Bank High Yield Checking

in Checking Accounts from Citizens National Bank · Member fdic

Unaffiliated

Citizens National Bank High Yield Checking

Unaffiliated

in Checking Accounts from Citizens National Bank · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $1.25
Minimum Balance to Avoid Monthly Fee $0
APY (Annual Percentage Yield) N/A

Citizens National Bank High Yield Checking Review

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

Key Takeaways
  • $0 monthly fee. This account does not charge a monthly service fee.
  • $500 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • 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 High Yield 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.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
Citizens National Bank High Yield 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 High Yield Checking offer?

Citizens National Bank does not provide interest rate information until a customer applies for a new account.

What are the account minimums for Citizens National Bank High Yield Checking?

Citizens National Bank High Yield Checking requires a minimum initial deposit of $500 to open an account.

Citizens National Bank High Yield Checking Account Minimums
Description Amount
Minimum Opening Deposit $500

What fees does Citizens National Bank High Yield Checking charge?

The good news is that this account does not have a monthly service fee.

Citizens National Bank High Yield Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $25
Check Image Service $5
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
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
ATM Fee: Out-of-Network $1.25

Does Citizens National Bank High Yield Checking charge overdraft fees?

Yes, Citizens National Bank High Yield Checking charges a $33 fee for every overdraft fee.

What features and perks does Citizens National Bank High Yield Checking offer?

This account includes the following features:

  • Fraud monitoring - Citizens National Bank High Yield 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 Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Citizens National Bank High Yield 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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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 $500
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
ATM Reimbursement Monthly Limit $25
Check Image Service $5
Foreign Transaction Fee (Debit Card) 1%
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
ATM Fee: Out-of-Network $1.25
Bank Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Branch Access
  • FDIC Member
  • Check Writing

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