Potential Fraud Warning!
Citizens National Bank has learned that fraudulent calls are being made to our customers. Callers are stating they are from "Citizens National Bank" and are spoofing the Bank's telephone number, 601.693.1331. The caller will suggest there has been fraudulent activity and may ask for online banking credentials or other personal information, including the "username" and "password" to your online banking account! Please note that Citizens National Bank will NOT call and ask you to verify information such as your username or password to your online banking account, your social security number or your account number. If you receive a call requesting any of this type of sensitive customer information, please call Citizens National Bank at 601.693.1331.

Limited Liability Companies (LLC)

Individuals That Need to Be Present at Account Opening

Member Managed LLC – All Members

Manager Managed LLC – All Managers

  • If one of the Managers or Members of the LLC is another business, an authorizing representative of that business must be present.
  • If you would like to add authorized signers to the account, they must also be present.

Information Required to Open Account

Personal Identification – Two forms of ID are required. One must be a government-issued ID.

  • Primary ID examples
  • U.S. citizens: State-issued driver's license, state-issued ID card, passport, or military or government ID.
  • Non-U.S. citizens: Permanent residents must provide their Permanent Resident Card (Green Card). Non-U.S. citizens who do not have a Permanent Resident Card must provide their passport or government-issued visa.
  • Secondary ID Examples: employer ID, utility bill, Social Security Card, student ID, Medicaid/Medicare card, etc.

Txpayer Identification Number – An Employer Identification Number (EIN) is required.

  • Single Member LLCs may use their SSN or Individual Taxpayer Identification Number (ITIN).
  • Individual Taxpayer Identification Number (ITIN) may be used for non-U.S. citizens.

Business Documentation

  • Operating Agreement
  • Certified Articles of Organizations (Certificate of Formation)
  • Certificate of Good Standing with the State of Mississippi
  • LLC Banking Resolution
  • If your business is organized in another state, but operates in the State of Mississippi, documentation from both states will be required.
    • Business documentation from the state the business is organized in, and
    • Certificate of Authority from the Mississippi Secretary of State.

Fictitious Name Certificate – may be required if your business is operating with a DBA (doing business as). For example: Jim Jones DBA Jones Professional Painting. Although DBA/fictitious names are not required to be filed in the State of Mississippi, it is highly recommended that a business do so. The filing will verify that no other business is currently utilizing the DBA/fictitious name, and it will register your business's use of the name.

Owners/Members With 25% or More Ownership

Manger Managed LLCs only:

  • Full name as it appears on government-issued ID
  • Legal business name and tax ID number – used only when an owner of the LLC is another entity/trust.
  • Residential address – business address required only if owner is a business entity
  • Percentage of ownership

Individuals Holding Key Roles in the Corporation

Including Senior Managers, Board of Directors members, or anyone else that has influence over the company.

  • Full name as it appears on government-issued ID
  • Residential address

Additional Information That Will Be Requested at Account Opening

  • Business address
  • Phone number
  • Number of business locations
  • Locations where products and services are sold
  • Nature of your business
  • Annual sales
  • Number of employees
  • Types of transactions and volumes you expect to process through the new account