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

Highlights
Monthly Fee	$0
ATM Fee: Out-of-Network	N/A
Minimum Balance to Avoid Monthly Fee	N/A
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

Large minimum initial deposit. You need a minimum deposit of $500 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 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 charge on incoming domestic or international wire transfers.	No signup bonus. Does not earn interest.

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?

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 Initial Deposit	$500
Minimum Direct Deposit to Avoid Monthly Fee	$100

What fees does Citizens National Bank High Yield Checking charge?

This account charges a monthly maintenance fee of $0.

Citizens National Bank High Yield Checking Fees
Description
Monthly Fee	$0
Paper Statement Fee	N/A
ATM Fee: In-Network	$0
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	$25

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 Bill Pay - 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. This includes depositing checks in your account with your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

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