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  Citizens National Bank of Cheboygan Kasasa Cash

Citizens National Bank of Cheboygan Kasasa Cash

in Checking Accounts from Citizens National Bank of Cheboygan · Member FDIC

Unaffiliated

Citizens National Bank of Cheboygan Kasasa Cash

Unaffiliated

in Checking Accounts from Citizens National Bank of Cheboygan · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.05% - 1.75%

Citizens National Bank of Cheboygan Kasasa Cash Review

Citizens National Bank of Cheboygan Kasasa Cash is offered by Citizens National Bank of Cheboygan, a bank founded in 1931 and based in Cheboygan, MI. Citizens National Bank of Cheboygan Kasasa Cash is available in 1 state across the USA.

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 1.75%, which is much higher than the average for a checking account.However, you must keep a minimum balance of $1.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • $50 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Up to $25 in ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
  • Free bill pay. Pay your bills to practically anyone in the United States through Citizens National Bank of Cheboygan.
  • Hard credit pull. Citizens National Bank of Cheboygan may require a hard pull on your credit report to open a checking account.
Citizens National Bank of Cheboygan Kasasa Cash Pros & Cons
Pros Cons
  • High-interest yield.
  • 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.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
Citizens National Bank of Cheboygan Kasasa Cash FAQ

Are checking accounts from Citizens National Bank of Cheboygan federally insured?

Yes, your Citizens National Bank of Cheboygan 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 of Cheboygan Kasasa Cash offer?

Citizens National Bank of Cheboygan Kasasa Cash offers an APY starting at 0.05% and ranging up to 1.75% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $1.

Citizens National Bank of Cheboygan Kasasa Cash Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.05% - 1.75%

What are the account minimums for Citizens National Bank of Cheboygan Kasasa Cash?

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

Citizens National Bank of Cheboygan Kasasa Cash Account Minimums
Description Amount
Minimum Initial Deposit $50
APY Minimum Balance $1

What fees does Citizens National Bank of Cheboygan Kasasa Cash charge?

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

Citizens National Bank of Cheboygan Kasasa Cash Fees
Description
Monthly Fee $0
Paper Statement Fee N/A
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $1.50
NSF Fee $35
Overdraft Protection Fee (per transfer) N/A
Overdraft Item Fee $35
Early Account Closure $20
Returned Deposit Fee (Domestic) $35
Debit Card Replacement Fee $5
Bank Teller Fee $0
Check Cashing Fee $0
Online Bill Pay Fee $0
Stop Payment Fee $35
Check Image Service N/A
Check Copy $3
Foreign Transaction Fee (Debit Card) 2%
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $50
Wire Transfer Fee - International (Incoming) $0
Returned Deposit Fee (International) N/A
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit $25

What features and perks does Citizens National Bank of Cheboygan Kasasa Cash offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks up to a monthly maximum of $25.
  • Fraud monitoring - Citizens National Bank of Cheboygan Kasasa Cash 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 of Cheboygan Kasasa Cash 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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Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

APY Minimum Balance $1
Minimum Initial Deposit $50
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Cashing Fee $0
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Reimbursement Monthly Limit $25
Check Copy $3
Debit Card Replacement Fee $5
Early Account Closure $20
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $35
Overdraft Item Fee $35
Returned Deposit Fee (Domestic) $35
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $1.50
Bank Account Features
  • FDIC Member
  • Check Writing
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • ATM Reimbursement
  • Interest Bearing Account
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.05% - 1.75%

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