Checking Accounts

Personal Checking Accounts

Choose the Account that Works Best for You!

Your checking account is the foundation of your finances. You can use your checking account to make everyday purchases or to grow your finances with interest. At Clinton National Bank, we believe your checking account should work well for you, because it’s your money. Each of our accounts come with 24/7 access, online banking and E-statement delivery.

Ready to open your account?

You can start the process online!

Online Deposit Account Application

Checking Account Comparison

We offer several accounts, each with their own benefits that allow you to access your money when you need it. Check out the chart below to see which of our accounts will work best for you. Be sure to check out our tips for avoiding fees, too!

View Rates Prime Time Club

Checking Account Comparison
	E-Vantage Checking	Prime Time 50 Checking	Free Checking Including Teen Checking
Primary Users	Available to individuals	Available to individuals age 50 or older	Available to individuals
Minimum Deposit to Open	$200.00	$100.00	$100.00
Minimum Balance Required to Avoid Service Charge	N/A	$8.50 Maintenance Fee if daily balance drops below $100 any day of the monthly cycle	N/A
Checks	Check printing fees vary by style of check ordered	2 free boxes of standard checks annually, $5 discount on designer checks	Check printing fees vary by style of check ordered
Statement	E-Statements only*	Monthly with check images	Monthly Statement
Withdrawals	Unlimited paperless transactions 5 Free Checks per monthly cycle, $.20 each thereafter	No service-chargeable debit fee	No service-chargeable debit fee Teen Checking has some debit card limits
Interest	Please refer to our list of interest rates for current rate information. Compounded & credited monthly using the daily balance method. Subject to change without notice.	Please refer to our list of interest rates for current rate information. Compounded & credited monthly using the daily balance method. Subject to change without notice.	N/A
Additional Requirements	One Direct Deposit or One ACH withdrawal each monthly cycle Register for PC Banking & E-Statements	Available to individuals age 50 or older	Teen Checking is for teens 13 - 18 years of age Teen Checking is a joint account with a parent or guardian
Additional Benefits	Debit Card PC Banking with Bill Pay No CNB Service Charges on ATM transactions No Annual Fee on Overdraft Protection (Subject to Approval) Phone Bank ID Theft Insurance	Debit Card PC Banking with Bill Pay Phone Bank Fun travel opportunities. Receive newsletters inviting you on trips and activities. For more information on the benefits of this account, Contact Us!	Debit Card PC Banking with Bill Pay Phone Bank

*After 30 days, a $3.00 monthly paper statement penalty will be applied until the account is registered for E-statements

Tips to help avoid fees

Tips to help avoid insufficient funds and overdraft item fees:
(Clinton National Bank will be referred to as CNB.)

Your Available Balance may change under certain circumstances that CNB can not foresee. It is important for you to consider all transactions that you have conducted, but may not yet be fully reflected by CNB.
Your Available Balance does not include transactions you have conducted but we have not yet received.
You can determine the amount you have available to spend by taking your Available Balance and adding or deducting transactions that have not been received by the bank, Credit Pending and Holds on check deposits, and debit card transactions identified as Authorized.
For Debit Card purchases, merchants may ask us to approve an initial amount and later send the actual purchase amount (which may be greater or less). Processing transactions that may settle for a different amount are noted by an "Amount may change" message on the Account Details screen. Transactions that typically settle for a significantly lower amount are categorized as Authorized and not deducted from your Available Balance until the final Cleared amount is received.
The final amount of most Debit Card purchases is received within 3 business days. If we do not receive it in that time, however, we assume that the transaction was not actually made and add the initial amount back to your Available Balance. If the final purchase comes in later, the actual amount will be deducted at that time.
When a check deposit is made, you may be given some portion of the funds as immediate credit. You can see this amount on your Account Details screen as "Available Now". The remainder of funds will be available to withdraw on the next business day unless a Hold is applied. If you made your deposit after cutoff, that may be two or more calendar days.
"Cleared", or posted transactions, are not always final because there may be certain circumstances when such transactions may be reversed (for example, if a check you deposited is returned to us due to insufficient funds).
CNB offers Overdraft Protection which allows a checking account to be linked to another CNB account to help provide protection against returned items or overdrafts. During nightly posting, if there are insufficient funds to cover a transaction, funds are automatically transferred from the Available Balance in the linked account.
You can receive account Alerts to your mobile phone or email to notify you when your Available Balance falls below a threshold you determine.
You can check your Available Balance wherever you are by using Online Banking, Mobile Banking, or text messaging
Items may not be displayed online in the order that they post to your account because the final posting order is not determined until the end of the business day once all transactions are received. You can see exactly how your transactions posted by visiting Account Balance History.