CNB - Citizens National Bank 
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Deposit Services
Regular CheckingMoney MarketNOW Account
SavingsChristmas ClubIRA’s
Certificates of DepositSafe Deposit BoxesOther Services
Internet Banking FeaturesCurrent Rates 


Regular Checking

  • Minimum $20 deposit to open account
  • Free checking - no mimimun monthly balance required 
  • Unlimited check writing

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NOW Account

  • Minimum $1000 deposit to open account
  • A minimum balance fee of $5 will be imposed every month if the minimum balance falls below $1000.
  • Unlimited check writing
  • Click here for our current rates

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Money Market Accounts

  • Minimum $1000 deposit to open account
  • A minimum balance fee of $5 will be imposed every month if the minimum balance falls below $1000.
  • May not make more than six third party transfers from your account during a month, of which no more than three may be made by check, debit card transactions, or similar order. You may make an unlimited number of over the counter cash withdrawals.
  • Click here for our current rates

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Statement Savings

  • Minimum $20 deposit to open account
  • No minimum balance requirement
  • No service charges
  • Click here for our current rates

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Christmas Club Account

  • Must deposit one week to open the account
  • May make additions to the balance in your account in accordance with club terms
  • Early withdrawal penalty is equal to the lesser of $5.00 or the balance in the account
  • All paid in full clubs receive a one week bonus

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IRA-Variable Rates

  • Minimum $25 deposit to open account
  • Interest will be compounded and credited to your account on a quarterly basis
  • Click here for our current rates

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IRA-Automatically Renewable Certificates of Deposit

  • Must deposit the following minimum amounts to open the account:
    1,2,3,4,5 and 10 year$500
  • Interest is compounded and credited to your account on a semi-annual basis
  • Subject to penalties for early withdrawal
  • Click here for our current rates

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Certificates of Deposit-Non-renewable and Automatically Renewable

  • To open the account the following minimum amounts must be deposited
    3 and 6 months$500
    1,2,3,4,5 and 10 years$500
  • Subject to penalties for early withdrawal
  • Click here for our current rates

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Jumbo Certificates of Deposit

  • A minimum deposit of $100,000 is required to open the account
  • Subject to penalties for early withdrawal
  • Please contact the Bank for current Jumbo CD rates 

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Safe Deposit Boxes

  • Various sizes as follows
    2 ¾ X 5
    5 X 5
    5 X 10

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Other Services

  • Money Orders
  • Cashiers Checks
  • Travelers Checks
  • Savings Bonds
  • Medallion Stamp
  • Wire Services

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Internet Banking Features

Personal Internet Banking

  • Access to checking, savings, CDs and loan information
  • View or print checking account history 
  • Search history by check number or amount
  • Export history to Microsoft software environments 
  • Transfer funds between CNB Accounts
  • Initiate stop payments
  • Initiate Email to bank personnel
  • Access 24 hours a day, 7 days a week
  • Security features that restrict access to your information
  • Confirm direct deposits
  • Online BillPay
  • Wire transfers
  • Check reorder via secure message system
  • Contact the Bank via secure message system

Commercial Internet Banking 

  • Access to checking, savings, CDs and loan information
  • View or print checking account history 
  • Search history by check number or amount
  • Export history to Microsoft software environments 
  • Transfer funds between CNB Accounts
  • Initiate stop payments
  • Initiate Email to bank personnel
  • Access 24 hours a day, 7 days a week
  • Confirm direct deposits
  • Online BillPay
  • Wire transfers 
  • Multi-level security assigned at account and employee levels
  • Check reorder via secure message system 
  • Contact the Bank via secure message system

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Member FDIC
 Equal Housing Lender
© 2007 The Citizens National Bank