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  City National Bank Personal Checking Account

City National Bank Personal Checking Account

in Checking Accounts from City National Bank · fdic

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City National Bank Personal Checking Account

Unaffiliated

in Checking Accounts from City National Bank · Member FDIC

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Highlights
Monthly Fee $0 - $20
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee Starting at $3,000
APY (Annual Percentage Yield) 0%

City National Bank Personal Checking Account Review

City National Bank Personal Checking Account is offered by City National Bank, a bank founded in 1972 and based in Beverly Hills, CA. City National Bank Personal Checking Account is available in 5 states across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, City National Bank Personal Checking Account does not pay interest.
  • Charges a monthly fee. This account charges a monthly service fee of up to $20, but the fee is waived if you keep a minimum balance of $3,000.
  • $1,000 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
City National Bank checking account Pros & Cons
Pros Cons
  • Free debit card
  • No signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • Only available in 5 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
City National Bank checking account FAQ

Are checking accounts from City National Bank federally insured?

Yes, your City 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 City National Bank checking account offer?

City National Bank checking account is not an interest-bearing account.

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

City National Bank checking account requires a minimum initial deposit of $1,000 to open an account.

City National Bank Personal Checking Account Minimums
Description
APY Minimum Balance $0
Minimum Opening Deposit Starting at $1,000
Minimum Balance to Avoid Monthly Fee Starting at $3,000

What fees does City National Bank checking account charge?

This account charges a monthly service fee of up to $20.

City National Bank Personal Checking Account Fees
Description
ATM Fee: In-Network $0
Check Image Service $2
Debit Card Replacement Fee $0
Early Account Closure $20
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $20
NSF Fee $37
Online Bill Pay Fee $0
Overdraft Item Fee $37
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $13
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Incoming) $14
Wire Transfer Fee - International (Outgoing) $20
ATM Fee: Out-of-Network $2.50

Does City National Bank checking account charge overdraft fees?

Yes, City National Bank checking account charges a $37 fee for every overdraft.

City National Bank checking account offers overdraft protection at a cost of $10 per transaction.

What features and perks does City National Bank checking account offer?

This account includes the following features:

  • Fraud monitoring - City 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.
  • Mobile Banking Services - City 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.

What is the customer support email for City National Bank checking account?

The customer support email for City National Bank checking account is contact@cnb.com.

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Message From City National Bank Personal Checking Account

For many of our clients, a personal banking relationship begins with a checking account. Choose from a variety of account options to embark on a superior banking experience. 

This checking account provides additional benefits like no monthly maintenance fees on a savings or money market account. No monthly maintenance fee when balance or direct deposit requirements are met Manage your day-to-day financial needs with unlimited transactions and online and mobile banking with a simple and convenient Personal Checking account.

Availability

  Available in 5 states
  • California
  • Georgia
  • Nevada
  • New York
  • Tennessee

Feature Breakdown

APY Minimum Balance $0
Minimum Opening Deposit Starting at $1,000
Minimum Balance to Avoid Monthly Fee Starting at $3,000
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Online Bill Pay Fee $0
Paper Statement Fee $0
Check Image Service $2
Early Account Closure $20
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $20
NSF Fee $37
Overdraft Item Fee $37
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $13
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Incoming) $14
Wire Transfer Fee - International (Outgoing) $20
ATM Fee: Out-of-Network $2.50
Account Features
  • Mobile Check Deposit
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Member FDIC

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