Last Updated: 01/21/2026
City National Bank Advantage Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 0.15%(Verified 06/21/2024)
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Monthly Service Fee
$0 - $10(Verified 01/21/2026)
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City National Bank Advantage Checking Account Review
The City National Bank Advantage Checking Account is offered by City National Bank of Texas, a bank founded in 1889 and based in Sulphur Springs, TX. City National Bank advantage checking is available in 1 state.
Key Takeaways
- Higher than average APY. City National Bank Advantage Checking Account has an annual percentage yield of up to 0.15%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $5000.
- Charges a monthly fee. This account charges a monthly fee of up to $10, but the fee may be waived if you keep a minimum balance of$5,000.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in City National Bank of Texas mobile or online banking.
City National Bank advantage checking Pros & Cons
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City National Bank advantage checking FAQ
Are checking accounts from City National Bank of Texas federally insured?
Yes, your deposits are insured 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 City National Bank advantage checking offer?
City National Bank advantage checking offers an APY starting at 0.05% and ranging up to 0.15% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $5000.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.05% - 0.15% |
What are the account minimums for City National Bank advantage checking?
City National Bank advantage checking does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $5,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $5,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does City National Bank advantage checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $10.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does City National Bank advantage checking offer?
This account includes the following features:
- Fraud monitoring - City National Bank advantage checking 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 - City National Bank advantage checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
What is the customer support email for City National Bank advantage checking?
The customer support email for City National Bank advantage checking is info@cnbt.bank.
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Message from City National Bank advantage checking
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed