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  Citizens National Bank High Yield Checking

Citizens National Bank High Yield Checking

in Checking Accounts from Citizens National Bank · 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 Starting at $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 Charge.
  • $500 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • 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
  • 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 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 does not provide interest rate information until a customer applies for a new account.

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

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

Citizens National Bank High Yield Checking Minimums
Description
Minimum Opening Deposit Starting at $500
Minimum Balance to Avoid Monthly Fee Starting at $0

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 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 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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Message From Citizens National Bank High Yield 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! Earn Interest by Simplifying Your Life. HighYield Checking! Earn premium interest rates on balances of $15,000 or more. Open with $500 and pay no monthly maintenance fee. Free CNB Debit Card and no ATM fees
Bank anywhere, anytime with just your smartphone.

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 Starting at $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
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
  • Member FDIC
  • Check Writing

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