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- No monthly service fee
- Unlimited check writing
- No minimum balance requirement
- Unlimited CNB Visa® Check Card/ CNB ATM transactions
- CNB Direct telephone banking at 1-877-472-9262
- Convenience of online banking at www.cnbweb.com
- Earn interest when you maintain required minimum daily balance of $500*
- $5 monthly service fee
- Unlimited check writing
- Initial order of standard checks are printed at no charge
- Preferred rate on new installment loans
- Discounts on mortgage closing costs
- Purchase money orders, official checks and traveler’s checks at half the regular service fee
- Unlimited CNB Visa® Check Card/ CNB ATM transactions
- CNB Direct telephone banking at 1-877-472-9262
- Convenience of online banking at www.cnbweb.com
* Select Current Rates tab for additional information
- Earn interest that increases as your account balance grows if the required minimum daily balance of $2,500 is met*
- No service fee if you maintain a minimum daily balance of $5,000 ($10 service fee if your balance falls below $5,000 on any day of your statement cycle)
- Unlimited check writing
- Two boxes of standard checks per year (400 Checks) printed at no charge
- Preferred rate on new installment loans
- Discounts on mortgage closing costs
- Personal size safe deposit box (3x5) with no rental fee for 1-year (Check for availability)
- No service charge for the purchase of money orders, official checks and traveler’s checks
- Unlimited CNB Visa® Check Card/ CNB ATM transactions
- CNB Direct telephone banking at 1-877-472-9262
- Convenience of online banking at www.cnbweb.com
* Select Current Rates tab for additional information
- No service fee for age 50 and over
- $5 monthly service fee for those under 50
- Unlimited check writing
- No minimum daily balance
- Two boxes of standard checks per year (400 Checks) printed at no charge
- Unlimited CNB Visa® Check Card/ CNB ATM transactions
- CNB Direct telephone banking at 1-877-472-9262
- Convenience of online banking at www.cnbweb.com
For worry free checking, add Cash Reserve to your checking account. Should an overdraft occur or you need extra cash, you are automatically covered up to the amount of your approved credit limit.
We can make monthly transfers from your CNB checking account for mortgage and consumer loan payments and all deposit accounts. Special loan discounts may apply when you choose to make automatic payments.
Citizens National Bank's Check Card is handier than a checkbook, and safer that carrying cash. It is two cards in one because while it is still an ATM card, it also works like a check. It offers VISA® card convenience, but the money comes out of your checking account. It is accepted wherever VISA® is accepted. Apply today.
Checking customers can apply for ATM cards that give you easy access to your cash at any Citizens National Bank ATM and ATMs all over the world. ATM service is available at all of our office locations.
Over the years, CNB has helped area savers establish convenient, practical ways to save, all the while creating innovative savings programs to meet your specific needs. Some of these programs include:
An ideal way to save regardless of your age or income. Interest is paid quarterly and your money is always available when you need it. Periodic statements are provided.
Our Certificates of Deposit are available in a variety of terms offering a variety of interest payment options. While there is a penalty for early withdrawal, you pay no fees or commission. Call us for current interest rates and terms or select the Current Rates tab.
IRAs are a safe, convenient way to provide income for your retirement. You may enjoy tax-deferred interest on your earnings and in many cases deposits may offer additional tax advantages (please consult your tax advisor). The Roth and Education IRAs are also available. There are no setup commissions or annual fees to pay. Call us for more information on terms and rates or select the Current Rates tab.
A Money Market Account offers you a tiered rate structure that provides a higher yield on a liquid account. The higher your balance, the more you earn. It provides the flexibility to deposit or withdraw funds and the ability to write three checks per statement cycle without penalty. Other transaction limitations are applicable.
Christmas Club Accounts give you the money you need for holiday shopping. You receive a check from us well in advance of the holidays and it helps you minimize the mountain of post-holiday bills. You can choose the amount of your contribution.
Want to take that annual summer vacation but don’t have the cash? Don’t resort to your credit card! Get prepared with our Vacation Club. Set up an automatic transfer from your checking account or deposit throughout the year when it’s convenient for you. We’ll send you a check for the amount of your contribution plus premium interest just in time for the summer vacation season!
If you need money to purchase or construct a home or want to use the equity on your existing home, our experienced loan officers can design a loan tailored to your specific needs. You'll receive a prompt response to your loan application.
We offer a wide choice of home loans to buy or build the home of your dreams. Home ownership not only offers an opportunity to build equity, it may offer attractive tax advantages (please consult your tax advisor). Our rates and terms are very competitive in our local area.
The equity in your home can be used to handle all your loan needs, including debt consolidation, purchasing an automobile or making home improvements, at a very low interest rate. The interest you pay may be tax deductible (please consult your tax advisor). The interest rate and payment will not change over the life of your loan and we offer long repayment terms to keep your payment affordable.
The equity in your home can be used to secure a personal revolving line of credit. Once your application is approved and your credit limit determined, you can conveniently access your line of credit account simply by writing a check. And, under present tax laws, the interest you pay may be tax deductible (please consult your tax advisor).
A construction loan is your permanent loan with the funds drawn over a predetermined construction period. During construction, you pay just the interest and only on the money used. Regular payments on principal and interest start after the predetermined construction period concludes. We also offer short-term loans for your home additions.
If you need money for any worthwhile purpose, chances are we can help. We offer a wide variety of consumer loans to fit virtually any need.
Personal loans are available for almost any purpose. Terms and monthly payments can be arranged to meet your specific needs. You can also get loans that are secured with your CNB CD, savings account or other qualified personal property.
Loans for new and late model used cars are available with competitive rates and terms. We give quick answers to auto loan applications, usually the same day.
We can protect your checking account from NSF fees and embarrassing situations by obtaining a CNB Cash Reserve. CNB Cash Reserve protects you by transferring funds from your CNB line of credit (up to your approved credit limit) to your checking account.
We offer recreational loans to purchase new or used campers and motor homes, boats, motorcycles and ATVs at favorable rates.
You can use your VISA® Card to make purchases or obtain cash anywhere in the United States and most foreign countries. Apply today!!
CNBWeb is our Online Banking service that allows you to do your banking when it's convenient for you, whether at work, home, or on the road. Try it now at www.cnbweb.com.
Manage all your accounts with CNBWeb. Account statements, check tracking, account histories-all at your fingertips with CNBWeb.
CNBWeb allows you to set up transfers among all your accounts. Online transfers will then be available at all times. You can also make one-time express transfers.
CNBWeb Bill Payment allows you to pay your bills electronically without needing to write checks or use stamps. You can set up recurring payments and one-time payments.
In a click you can view and print images of checks that you have written on your accounts.
You can export your account statements to software programs such as Quicken®, Quickbooks® and Microsoft Money®.
Since 1900, CNB has been safeguarding our customers' money in the local community. CNBWeb is no exception. We are taking all the necessary precautions and more to ensure the safety and privacy of all your accounts.
To get started, you'll need a CNB account, Internet access and your CNB Direct telephone banking four-digit Personal Identification Number (PIN). If you do not have a CNB Direct PIN number, contact a member of our Internet Banking team at (740)775-6777. Enroll online anytime at www.cnbweb.com and click on “First Time User.”
CNB Direct is your direct line to all your accounts 24 hours a day, every day of the year from your home, office, or car. All you need is a touch-tone phone, your account numbers, and your Personal Identification Number. CNB Direct gives you current information on checking, savings, CDs, consumer loans, and mortgages. You can make transfers between accounts, verify Social Security deposits and ATM transactions, order a faxed statement, and you can even make a payment on your CNB loan. Call toll free 1-877-472-9262.
Protect your valuables from loss, theft and fire in a safe deposit box. Safe deposit boxes come in a variety of sizes and are available at our main office, Frankfort Branch and Fayette Banking Center locations.
Traveler's checks and money orders are available to CNB customers at any of our offices. Traveler's checks are safer than cash when traveling and are accepted throughout the world
You can have your Social Security or other government, pension, and payroll checks deposited directly to your savings or checking account. It saves you time and eliminates worry about money being lost or stolen. You can arrange for payroll direct deposit by contacting your payroll department and requesting that your direct deposit be sent to your account at CNB.
For your convenience, we sell and redeem United States Savings Bonds at all office locations.
You can use your CNB ATM card or VISA® Check card to make withdrawals around the clock at all of our offices and to access cash from ATMs around the world (see checking services for details).
The convenience of making deposits after banking hours. Night Depositories are available at all our branch office locations.
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