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  City National Bank Advantage Checking Account

City National Bank Advantage Checking Account

in Checking Accounts from City National Bank of Texas · Member fdic

Unaffiliated

City National Bank Advantage Checking Account

Unaffiliated

in Checking Accounts from City National Bank of Texas · Member FDIC

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Highlights
Monthly Fee $10
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee $5,000
APY (Annual Percentage Yield) 0.10% - 0.25%

City National Bank Advantage Checking Account Review

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 Account is available in 1 state across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.25%, and you must keep a minimum balance of $5000.
  • Charges a monthly fee. This account charges a monthly maintenance fee of $10, but the fee is waived if you keep a minimum balance of $5,000.
  • Free bill pay. Pay your bills to practically anyone in the United States through City National Bank of Texas.
  • Hard credit pull. City National Bank of Texas may require a hard pull on your credit report to open a checking account.
City National Bank Advantage Checking Account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Monthly service charge.
City National Bank Advantage Checking Account FAQ

Are checking accounts from City National Bank of Texas federally insured?

Yes, your City National Bank of Texas checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #5544). 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 Account offer?

City National Bank Advantage Checking Account offers an APY starting at 0.10% and ranging up to 0.25% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $5000.

City National Bank Advantage Checking Account Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.10% - 0.25%

What are the account minimums for City National Bank Advantage Checking Account?

City National Bank Advantage Checking Account does not require a minimum initial deposit.

City National Bank Advantage Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $0
APY Minimum Balance $5,000
Minimum Balance to Avoid Monthly Fee $5,000

What fees does City National Bank Advantage Checking Account charge?

This account charges a monthly maintenance fee of $10.

City National Bank Advantage Checking Account Fees
Description
Monthly Fee $10
Paper Statement Fee $5
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 N/A

What features and perks does City National Bank Advantage Checking Account offer?

This account includes the following features:

  • Fraud monitoring - City National Bank Advantage Checking Account 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 - City National Bank Advantage Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

APY Minimum Balance $5,000
Minimum Initial Deposit $0
Minimum Balance to Avoid Monthly Fee $5,000
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Monthly Fee $10
Paper Statement Fee $5
Bank Account Features
  • FDIC Member
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Interest Bearing Account
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.10% - 0.25%

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