Welcome to Community Checking

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