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Incentive Checking Account

Earn Rewards For the Way You Bank

Online Banking

What You Need to Do

To receive the incentives, the following requirements need to be met by the end of the statement cycle:

  • have at least 10 “non-pinned” transactions post and clear your account (incentive not earned on transactions where a PIN is entered)
  • receive statements by email
  • receive notices by email
  • log in to the Citizens National Bank Online Banking website at least once per statement cycle
  • have at least 1 ACH transaction post and clear your account per statement cycle
    (direct deposit or automatic withdrawal)

There are NO service charges or penalties for statement cycles where requirements are not met!


The incentives

Each month you can earn:

  • 5ยข cash back on every “non-pinned” transaction
  • Up to $10.00 of foreign ATM transaction fees refunded

Incentive checking accounts also receive:

  • online banking and bill pay
  • VISA debit card (restrictions may apply)
  • email statements and notices


ALREADY HAVE A CITIZENS NATIONAL BANK REGULAR CHECKING ACCOUNT? Speak to a New Account Representative to switch to an Incentive Checking Account. You keep the same checks, same debit card and same account number.