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Rewards +Perks

Unlock major benefits with a Rewards +Perks* account! By meeting your monthly qualifications, you will earn a premium 1.75% APY on balances all the way up to $25,000.

Qualify for the Premium Rate

  • 12 or more debit card purchases (POS)
  • One or more ACH direct deposit or direct debit
  • Electronic delivery of monthly statements to a valid email address is required

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Good Life +Perks

Designed specifically for individuals aged 50 and above, offering interest on balances starting at $1,000. Enjoy exclusive travel opportunities with The Good Life travel program.

  • CNB +Perks benefits
  • Interest earned on balances of $1,000 and above
  • Free personalized checks
  • Discount on safe deposit box rental
  • Visa contactless chip debit card
  • Group travel opportunities
  • Only $7 per month
  • Download the CNB +Perks app in the App Store or get it on Google Play

Experience the thrill of traveling with CNB’s exclusive travel program! Contact CNB for more information about these exciting travel opportunities!

2027

    • Shades of Ireland: April 2-11, 2027 Sign Up Now!
    • Idaho – The State You Never Knew You Should Visit: June 5-10, 2027 Sign Up Now!
    • Croatia & Its Islands – Yacht Cruising on the Adriatic Coast: August 4-15, 2027 Sign Up Now!
    • Pennsylvania Amish Country: September 19-25, 2027 Sign Up Now!

2028

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Advantage +Perks

When an all-purpose account is what you’re looking for, we’ve got you covered.

  • CNB +Perks benefits
  • Free personalized checks
  • Discount on safe deposit box rental
  • Visa contactless chip debit card
  • Only $7 per month
  • Paper statement fee of $2 if you do not choose free e-Statements
  • Download the CNB +Perks app in the App Store or get it on Google Play

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Simply

All the account basic features you need to simplify your life.

  • Limited CNB +Perks benefits
  • Visa contactless chip debit card
  • No monthly service charge if you choose to receive free e-Statements and maintain a minimum balance of $100
  • Monthly service charge of $7 if below minimum balance
  • Paper statement fee of $2 if you do not choose free e-Statements
  • Eligible to open online!

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*Rewards +Perks Interest & Qualifications: Rate accurate as of 06/23/2026. This is a variable-rate account; rates are subject to change weekly. Fees may reduce earnings.

When qualifications are met: You will earn 1.75% Annual Percentage Yield (APY) on balances up to $25,000. For the portion of your balance over $25,000, you will earn 0.46% APY, resulting in a blended APY range of 1.75% to 0.46% depending on your total balance. You will also receive nationwide ATM fee refunds.

If qualifications are not met: The account will earn a base rate of 0.05% APY across all balances, and standard ATM fees will apply.

Monthly Statement Requirement: The monthly statement must be sent electronically to a valid email address. Failure to enroll within 60 days, or opting out for 60 consecutive days, will result in your account automatically converting to “Simply Checking.” This account type does not earn interest and carries a $7 monthly service fee (waived with a $100 minimum daily balance) plus a $2 monthly paper statement fee and does not include the third-party benefits associated +Perks/BaZing benefits.

Additional Information: CNB +Perks benefits are provided by a third-party arranged and compensated by Citizens National Bank. Insurance products are not a deposit, not FDIC-insured, not insured by any federal government agency and not guaranteed by CNB. Benefits are subject to additional terms and conditions.