Business Checking

We believe it’s important to help you choose the checking account solution that is best suited for your needs. Take a look at our checking options and let us show you what The Power of Local^SM can do for you and your business or non-profit organization.

Local Business Checking

Perfect for businesses with limited transaction activity, this account helps you by providing access to a suite of online tools designed to meet all your daily management needs.
- If you’re searching for banking solutions that work for your business, we have a variety of options to fit your individual needs. Our Relationship Bankers understand that one size doesn’t fit all, and your business is unique. That’s why our experienced bankers are eager to get to know you and your business, analyze your individual needs, and provide a solution tailored just for you. Working together, we can help you grow and prosper and become more profitable.
  
  So, go ahead and take a peek at the features of our Local Business Checking account below. This account is designed to help keep your costs down so that you can conduct your banking easily and efficiently.
  - Low Monthly Maintenance Fee
    All it takes is $100 to open your account. Avoid a low monthly maintenance fee of $5 by maintaining a minimum balance of $2,500.
  - First 500 Deposits, Checks, Withdrawals, Transfers, or Debits are FREE.
    Your first 500 deposits, checks, withdrawals, transfers, or debits paid per month are free. Only after 500 transactions will a 50¢ per item fee be assessed.
  - FREE CNB Business Debit Card Other charges may apply such as Returned Item/Overdraft and Third-Party ATM fees.
    Use your card to make everyday purchases for your business, transfer funds, and avoid handling petty cash. Issue up to 10 employee cards, and set and modify spending limits for each employee.
  - Business eBanking and eBill Pay First 10 bills are free, 75¢ per bill pay in excess of 10 per month.
    Use Business eBanking and eBill pay to manage your business accounts. Receive text alerts if your account is overdrawn or dips below a level that you set. View your account activity, transfer funds, and pay items at your convenience.
  - Free eStatements Paper statements are available for a $2 fee.
    With free CNB eStatements, you have access to see check images and print this month's or last year's statements.
  - eDeposit $50 per scanner per month; $10 per additional account fee
    Allows small-business owners to remotely deposit checks to the bank and avoid multiple trips to the bank.
  Account Opening Requirements
  
  Find Your Relationship Banker!
Analyzed Checking

If your business has high transaction volumes and you need sophisticated cash management solutions to simplify your cash flow, Analyzed Checking is the account for you.
- If you own or manage a larger-size business and you’re looking for banking options that can help you become more profitable, we have good news for you. We offer a full suite of products and services that can create value for your business, such as our Analyzed Checking account. This account accommodates unlimited transaction volumes. It also allows your balance to earn credit to reduce or avoid the cost of banking services.
  
  We understand that this account alone does not offer all the answers to your complex situations. That’s why we think it’s important that we get to know you and your business first. We take the time to listen, so we can understand what’s important to you and get familiar with the challenges you face on a daily basis. We’re confident that by working together, we can help take your business to a whole new level.
  
  Take a moment to familiarize yourself with the features and benefits below, and then locate your Relationship Banker to discuss the best solution for your business.
  - Open your account with as little as $100.
  - The flexibility you need
    $20 monthly maintenance fee plus activity fees. You’ll pay only for the transactions you use.
  - Earnings credit
    Let your balance earn credit each month to offset your monthly fees.
  - FREE CNB Business Debit Card Other charges may apply such as Returned Item/Overdraft and Third-Party ATM fees.
    Use your card to make everyday purchases for your business, transfer funds, and avoid handling petty cash. Issue up to 10 employee cards, and set and modify spending limits for each employee.
  - Free eStatements Paper statements are available for a $2 fee.
    With free CNB eStatements, you have access to see check images and print this month's or last year's statements.
  - Business eBanking Additional fees apply.
    View account balances, transactions, or previous bank statements 24 hours a day, 7 days a week. You also have the option to transfer funds, use payroll direct deposit to pay employees with the click of a mouse, pay bills electronically, and much more. With Analyzed Checking you will have access to all of the cash management services to operate your business as efficiently as possible.
  Account Opening Requirements
  
  Find Your Relationship Banker!
Business Interest Checking

Your sole proprietorship or non-profit can earn interest and enjoy the flexibility of unlimited transactions.
- Whether you're a sole proprietor or a representative of a local non-profit, we know you want to make sure that every dollar is working hard for you. That's why our Relationship Bankers believe it's important to meet with you personally so they can provide the greatest value possible when it comes to your banking. As we get to know you and your business, we can analyze your individual needs and help you choose the solutions that are best for you from our comprehensive suite of products and services.
  
  Feel free to check out our Business Interest Checking account, which allows you to earn a competitive interest rate and enjoy the flexibility of unlimited transactions. Our Relationship Bankers will be happy to tell you more about this account and put together a package of services that is customized for your business. Find your Banker to get started.
  - The minimum opening deposit is $1,000.
  - Earn interest on balances of $1,000 or more.
    Interest is compounded and credited to your account on the last day of each monthly statement cycle.Fees may reduce earnings. You'll pay a $10 monthly service fee if your account falls below $1,000. There is a 15¢ fee per check or debit item, and a 10¢ fee per item deposited.
  - FREE CNB Business Debit Card Other charges may apply such as Returned Item/Overdraft and Third-Party ATM fees.
    Use your card to make everyday purchases for your business, transfer funds, and avoid handling petty cash. Issue up to 10 employee cards, and set and modify spending limits for each employee.
  - Free eStatements Paper statements are available for a $2 fee.
    With free CNB eStatements, you have access to see check images and print this month's or last year's statements.
  - Business Banking Services Additional fees apply.
    Access our Business Banking Services to help control your finances and manage your cash flow. With Business Interest Checking you will have access to all of the cash management services to operate your business as efficiently as possible.
  Account Opening Requirements
  
  This account is designed for sole proprietorships and eligible non-profits that maintain higher balances. Please note that partnerships and corporations are not eligible.
  
  Find Your Relationship Banker!
Community Checking

This low-cost checking option helps make banking affordable for local non-profit organizations and service clubs such as school fund-raisers, garden clubs, reunion funds, and more.
- Citizens National Bank believes in giving back to the community, and we want to do everything we can to help your non-profit organization, church group, or service club to continue its good work. Our Relationship Bankers welcome an opportunity to learn more about your organization’s goals and objectives so we can recommend banking solutions that will create the most value for you, such as our Community Checking account. Many local service clubs take advantage of this low-cost account to ensure that their banking is as cost effective as possible.
  
  We invite you to take a look at all of the great benefits of this account, or contact your Relationship Banker to customize an entire package of services that are designed for your specific needs.
  - Open your account with as little as $100
  - An Account with Affordable Pricing
    You’ll only pay a $2 monthly service charge if your account balance falls below $500. Your first 10 checks and withdrawals each month are free. Then, there is a 25¢ charge for each additional debit. Your first 30 checks or other items deposited each month are free. Then, there is a 10¢ charge for each additional check or item deposited.
  - FREE CNB Business Debit Card Other charges may apply such as Returned Item/Overdraft and Third-Party ATM fees.
    Use your card to make everyday purchases for your business, transfer funds, and avoid handling petty cash. Issue multiple employee cards, and set and modify spending limits for each employee.
  - Free eStatements Paper statements are available for a $2 fee.
    With free CNB eStatements, you have access to see check images and print this month's or last year's statements. You can view your check images within your eStatement.
  - Business eBanking and eBill pay First 10 bills are free, 75¢ per bill pay in excess of 10 per month.
    Use Business eBanking and eBill pay to manage your business accounts. Receive text alerts if your account is overdrawn or dips below a level that you set. View your account activity, transfer funds, and pay items at your convenience.
  This account is designed for unincorporated, non-profit groups/organizations for non-business purposes (i.e., church groups, garden clubs, etc.).
  
  Account Opening Requirements
  
  Find Your Relationship Banker!

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