Monroe County's Locally Owned Bank

Deposits

Checking

The Citizens National Bank offers both regular checking accounts and NOW (Negotiable Order of Withdrawal) accounts.

Regular checking accounts and NOW accounts are subject to minimum balance requirements.  NOW accounts accrue interest daily, compounded monthly.

Stop in or call for account balance requirements, fees, and current interest rates.

Savings

The Citizens National Bank offers passbook savings, statement savings, and Money Market accounts.

Savings and Money Market accounts are subject to minimum balance requirements.

Money Market accounts are limited to the number of third-party withdrawals permitted each statement cycle.

Savings account accrue interest on a daily basis, compounded quarterly.  Money Market accounts accrue interest daily, compounded monthly.

Stop in or call for account balance requirements, fees, and current interest rates, and account withdrawal restrictions.

Certificates of Deposit

The Citizens National Bank offers a variety of terms for Certificate of Deposit accounts.

Interest accrues on a daily basis, paid by check or credited to your Citizens National Bank deposit account semi-annually.

Stop in or call for current rates.

Individual Retirement Accounts

The Citizens National Bank offers a variety of terms for IRA accounts.

Interest accrues on a daily basis, compounding semi-annually.

Stop in or call for current rates.

Christmas Club

The Citizens National Bank offers Christmas Club accounts in a variety of weekly payment amounts.

Interest accrues daily and is paid to the account at the end of the club period.

Stop in or call for information on payment amounts and/or interest rates.