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Commercial Checking

Larger businesses typically have more account activity and carry higher balances. Our Business Review Account provides convenient, accurate management of income and expenses. Depending upon the balances maintained within the account, certain monthly charges may be offset through an earnings credit.

Business Review Checking
Statement Type Various Options Available
Opening Balance $100
Minimum Balance to Waive Service Fees 1 Dependent upon earnings credit (see below)
Monthly Maintenance Fee $15
Activity Fees Consult Your Business Banking Officer
Check Copies $2 each (6 copies per year free)
Locked Night Deposit Bags $20
Wire Transfers 2 -

CheckCard Available
Visa® Credit Card with Rewards 3 Available

As with all Citizens National Bank Business Checking Accounts, you will be able to access your accounts online through Basic Online for Business for free. Through this system you may view all your accounts, make internal transfers and use CNB Bill Payment to easily pay all your bills online. Mobile Banking for Business is available to anyone with Online for Business. You can download the app through the Apple App Store or Google Play.

Positive Pay, one of the simplest forms of check fraud detection, is available on any business checking account. This service matches the payee, account number, check number and dollar amount of each check presented for payment against a list of checks previously authorized by the company. All components of the check must match exactly or it will not pay. Contact your business banking officer for more details.

Earnings Credit
You will receive an earnings credit based upon the average available balance in the account (less reserve requirements). This credit can offset monthly charges such as activity, maintenance and some miscellaneous fees. The credit rate applied against the balance is variable and determined monthly at the Bank's discretion. Credits earned each statement cycle will be used to offset qualified monthly charges accumulated during the same statement cycle. Unused credits will be forfeited.
1 The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The Deposit Relationship Balance is determined by adding the average daily balance of your checking account for the current statement period, plus the current month's average balance of your other deposit accounts (excluding certificates of deposit.) 2 Wire transfer requests must be made either through Online for Business or in person. 3 Subject to credit approval.

FREE Gift with Checking
Receive a free gift just for opening any new checking account.

Gifts change quarterly. free gift with checking folding camp chair
Folding Camp Chair*

*Available while supplies last. If unavailable a gift of comparable value will be provided.

More Information
To learn more about our cash management services, call:
Mon. - Fri. 8:30 am - 5 pm EST
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