The Citizens National Bank
Your Community Bank

Business Banking

You'll find TCNB is focused on helping small to medium-size groups and businesses meet their financial goals with high-quality products and flexible services.
As a community bank, TCNB is dedicated to being the best financial partner any individual or small to medium sized business could want. Relationship management is our key to success at TCNB. Decisions are made locally and are time sensitive. Beyond offering high quality products, the bank differentiates itself within the marketplace because of its focus on customer care.

Your Success Is Our Success
You'll also find friendly professionals sensitive to your needs, with the experience to understand your goals, and the skills to help you reach them. With our singular focus on getting to know you and your enterprise, we work with you to determine your best solutions.

TCNB Products and Services for Businesses

TCNB offers many Business Checking Account Choices
We help you select the commercial checking accounts that are right for you:

  • Business Checking with electronic statements
  • Commercial Checking
  • Business Checking with Interest
  • IOTA and IOLTA Business Checking
  • ...and more!

Your TCNB Service Representative will guide you to just the right type of accounts for your enterprise. Open your account today.

Customized loans for your group or business, with flexibility to meet your needs.
With TCNB, you'll deal with local and experienced decision makers to assist you with state-of-the-art cash management and lending products.

You can rely on TCNB for the right choice at the right time.

  • Lines of Credit
  • Term Loans
  • Commercial Real Estate
  • Short-Term Notes
  • Construction Loans
  • Equipment purchases

You can have confidence that your TCNB commercial lender's experience and understanding will help you properly address on-going financial needs. Talk with us today.

TCNB has diverse options for groups and businesses
And you'll have a variety of investment and savings plans to choose.

  • Business Savings
  • Check Imaging
  • Competitive Interest
  • Online Banking
  • New & Used Auto Purchases
  • Letters of Credit

From CDs to Money Market Accounts, TCNB options provide you the right solutions:

  • CDs
  • IRAs
  • Keoghs
  • Money Market Accounts
  • Savings Accounts
  • and more!

TCNB Support for Businesses Means Convenience for You

There are a variety of banking options at TCNB to meet the needs of nearly any enterprise.

  • Account Transfers
  • Combined Statements
  • Direct Deposit
  • Imaged Statements
  • Online Banking
  • Self-Serve Deposit Boxes
  • Wire Transfers
  • ..and more!

Extra Support
You can have confidence in your TCNB team. We understand business and your unique needs. Our TCNB exclusive service for business is our courier service.

Whatever your small to medium-size group or business needs, the dedicated commercial bankers at TCNB can help guide you to the right products and services to meet your financial goals.

Courier Service
Start with our Trip Saver Courier Service where we pick up your deposits. This saves you time, reduces trips to the bank and allows you to focus on growing your business...not managing your banking.

Business Checking Accounts and Options


Commercial Checking

Business Checking Business Checking W/Interest IOTA and IOLTA Business Checking
Minimum Deposit to Open





Service Fee $10 No Fee w/electronic statements $10 if below minimum balance of $2500 $10 (waived with avg. collected balance of $100)
Transaction Fees $.15 for each debit/check paid;  $.30 for each deposit, and $.08 for each deposited item $.25 per item exceeding 500 $.15 per item over limit: 50 debits/checks processed; 22 deposits 150 deposited items Arrangements to pay other fees and misc. charges are necessary i.e. billing or debiting a separate account.
Earns Interest No No Accrued Daily/Credited Monthly with minimum balance of $2500 Accrued Daily/Credited Monthly with avg. collected balance of $100
Earnings Credit Yes with minimum monthly balance of $50 No No No
Debit/ATM Card Free* Free* Free* N/A
Foreign ATM Fee $1.00 $1.00 $1.00 $1.00
Check Imaging Free Free Free Free
24-hr. Voice Response Free Free Free Free
On-line Banking Free Free Free Free
Courier Pick-up and Delivery Available Available Available Available
Other Lockbox Services @ $25/month $0.50/dep and $0.25 per deposited item      
* A $5.00 fee may be charged for a replacement card  

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Business Savings Accounts and Options

Business Savings ...with options for groups and businesses
You'll have a variety of investment and savings plans to choose from and TCNB support with your best interest at heart.

With TCNB Savings for Businesses, you'll always find a friendly and knowledgeable environment to help you meet short and long-term goals. Stop in and start saving today.



Business Money Market Savings Business Sweep Accounts
Minimum Deposit to Open $50 $50 $50
Minimum Balance to Avoid Service Fee N/A $2500 N/A
Interest Rate Variable Variable and Tiered Earnings Credit is Variable and used to offset monthly service and transaction fees
Interest Compound Frequency Quarterly Monthly Interest on sweep portion is calculated on collected balances and mirror Money Market Savings
Service Fee N/A (no interest paid if balance less than $50 $10 $50 ($60 without check safekeeping or imaging)
Maximum Preauthorized Withdrawals 18 per calendar quarter (including, but not limited to withdrawals made by ACH, Telephone or Wire) 6 per calendar month (including, but not limited to withdrawals made by ACH, Telephone or Wire) N/A
Additional Fees $1.00 for each debit that exceeds limit of 18 $1.00 for each debit that exceeds limit of 6 $0.15 for each debit/check paid, $0.30 for each deposit, and $0.08 for each deposited item
ATM Card Free* Free* Free*
Foreign ATM Fee $1.00 $1.00 $1.00
24-hr. Voice Response Free Free Free
On-line Banking Free Free Free
* A $5.00 fee may be charged for a replacement card  

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