Open an Account

Online Account Opening

Checking and Savings Options

What You Need to Apply
  • You must be 18 years of age or older.
  • Personal and contact information for all account holders.
  • A valid, government-issued photo ID.
  • An initial minimum opening deposit to fund and activate your account.
Rewards +Perks Checking
Open an Account

Earn a premium of 1.75% APY* on balances up to $25,000 by simply meeting these monthly cycle requirements: 12 or more debit card purchases (POS), one or more ACH direct deposit or direct debit, and e-Statement delivery.

  • CNB +Perks benefits
  • Interest earned on account balance
  • Nationwide ATM fee refunds**
  • Monthly service charge of $7
Simply Checking
Open an Account
  • Limited CNB +Perks benefits
  • No monthly service charge if you elect 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 elect free e-statements

Citizens Savings
Open an Account

Open a Citizens Savings and earn 0.12% APY***

12-Month Certificate of Deposit
Open an Account

Open a 12-Month CD and earn 0.35% APY*** Penalty may be imposed for early withdrawal.

Citizens Select Money Market
Open an Account

Open a Citizens Select with a minimum balance of $5,000 and earn 0.20% APY***


*1.75% Annual Percentage Yield (APY) earned on balances up to $25,000 when the minimum qualifications are met during each monthly qualification cycle; balances over $25,000 earn 0.46% APY. If qualifications are not met during the cycle, the APY on all balances will be 0.05% APY and normal ATM fees will apply. Maintenance or activity fees could reduce earnings. Rates are effective 04/01/2013 and subject to change weekly.

**ATM fee refunds are given on all Nationwide ATMs if qualifications are met during the cycle.

Additional Information: CNB +Perks benefits are provided by third party providers arranged and compensated by Citizens National Bank. Benefits are subject to additional terms and conditions.

***APY denotes Annual Percentage Yield. Rate is effective 5/27/2021 and subject to change at any time.