The Citizens National Bank
Your Community Bank

Personal Banking

The Citizens National Bank of Southwestern Ohio offers personal attention and service.

And everyone at TCNB provides the "lifeblood" to make the word service come alive. Every day. All the time. You'll see it first when you call and have someone answer the phone...not listen to a recorded menu.

This personal touch sets the stage for you to experience uncommon and extraordinary banking service at TCNB. And that means solutions when you need them. Your questions addressed now. To us, service means being sensitive to your situation by spending the time to understand your financial needs. It means getting to know you. And it means Flexibility through Customized Services and Products to fit the objectives of individuals, groups and businesses.

TCNB can put transactions at your fingertips through on-line banking over the Web, 24-hour telephone service, debit card convenience and with the "always open" ATM, you can access your account information, transfer funds, withdraw funds, and more...all to fit your schedule.

TCNB Support - for virtually any financial need, including VISA, ATM and debit cards, Free Notary and Signature Guarantee service, prepaid debit cards, wire transfer, account transfer, combined statements, imaged statements, night deposit, direct deposit, self-serve deposit boxes, auto loans, overdraft protection and official checks, as well as a Funds Availability policy you can depend on. This means the solutions you need now - or any time in your financial future - are here for you at TCNB.

You also have many Conveniences with our scheduled hours of 9:00 am to 6:00 pm, Monday - Friday and 9:00 am to 2:00 pm on Saturday.

You will be impressed by our service. It's all brought to you by a customer-oriented team of professionals dedicated to uncommon service...your locally owned and operated bank, The Citizens National Bank of Southwestern Ohio.

Personal Checking Accounts & Options


  • Only $50 required to open account
  • No minimum balance required
  • No monthly maintenance fee
  • No per check charge
  • Debit and ATM cards
  • 24-hour voice response
  • Online banking available at no charge
  • Check imaging
  • Online Bill Payment

Choose this type account and, with a $100 monthly minimum balance, your funds earn competitive interest, while you also enjoy other benefits:

  • No per-check charge
  • Unlimited check writing
  • Debit and ATM cards
  • Check imaging
  • Online banking
  • No service fee with $100 minimum balance *
  • Interest paid on balances over $1.00
  • Online Bill Payment

Your Interest Checking Account Can Earn You Money!

* Waived for accounts with a primary owner over 55 years of age

A $7,500 deposit in this checking account has your funds earning interest daily on any balance over $1.00! And you get these other TCNB benefits too:

  • No monthly service fee with a $7,500 balance
  • No per check charge
  • Debit and ATM cards
  • Check imaging
  • 24-hour voice response
  • Online banking
  • Online Bill Payment

Just talk with a Service Representative to get the checking account that best fits your needs. That's the kind of service you deserve.

  Personal Checking Interest Checking Hi-Yield Checking
Minimum Deposit to Open


$50.00 $7,500
Minimum Balance to Avoid Service Fee N/A $100 $7,500
Earns Interest N/A Yes
over $1)
(balances over $1)
Debit/ATM Card Free* Free* Free*
Foreign ATM Fee $1.00 $1.00 $1.00
Per check charge N/A N/A N/A
Check Imaging Free Free Free
24-hr. Voice Response Free Free Free
On-line Banking Free Free Free
Bill Pay Free Free Free
Senior Option (age 55 plus) No Yes No
* A $5.00 fee may be charged for a replacement card  
Overdraft Protection:
1) Automatic Transfer System – available via Savings, Checking or Line of Credit @ $4/transfer in $100 increments
2) Cash Reserve Account (CRA) with $20 annual fee; Transfers made in $100 increments
* Subject to credit approval

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Savings Accounts & Options

From Statement Savings Accounts and CDs to IRAs and Money Market Accounts, you'll find TCNB is sensitive to your savings needs.

With our Savings Programs, you'll always have a friendly, no hassle savings environment, with available options to best serve your long and short-term savings goals.

So, whether you're just starting to put a little away for a rainy day, or addressing long-range goals, your money can work harder and smarter with one of our TCNB Savings Accounts. Ask your TCNB Service Rep about our many options.

With just a $50 deposit, this interest-bearing account offers you easy access to your funds, plus...your own ATM Card and the opportunity to review your account on the Internet at Best of all, you earn a competitive rate of interest compounded quarterly.

If you have a "tidy nest egg" and want to move into a higher interest rate account (and still have easy access to your money), a TCNB Money Market Savings Account (MMA) might be just the ticket for you.

With a Money Market Account, a minimum opening deposit of only $2,500 allows you to increase your savings yield without tying up your money over a pre-set term. And, you'll be earning a variable money market rate of interest and a competitive rate compounded monthly.

TCNB CDs are an ideal way to save for the future...down payment on a new home, a well deserved vacation, your children's college tuition, or retirement. Whatever the reason, you can count on TCNB for CDs with terms you'll like and rates to make your money grow!

Because your situation is unique, TCNB offers a variety of investment strategies, wholly dependent on your needs. And with only a $500 minimum, you can get started easily. Just ask a TCNB representative to make it happen.

Statement Savings, Money Market Savings and CD Accounts with maturity terms of  6 months or greater are available to you as Individual Retirement Accounts (IRA) from TCNB.                            

You Should Think About Saving Now
No matter where you are in life, it's never too late (or too early) to start planning for tomorrow. TCNB can help secure your future, working with you to choose the TCNB Savings plan which best suits your needs.

Just give us a call at (937) 913-8262 and talk with a banking professional to help you select the plan that's right for you.

  Statement Savings Account Money Market Savings Account Certificates of Deposit
IRA Eligibility Yes Yes Yes
(with maturity terms of
6 months or greater)
Minimum Deposit to Open $50 $50 $500
Minimum Balance to Avoid Service Fee N/A $2500 N/A
Service Fee N/A
(no interest paid if balance less than $50
$5 N/A
Interest Rate Variable Variable and Tiered* Fixed
Interest Compound Frequency Quarterly Monthly Daily
Term N/A N/A 7 Days Min. to 60+ Months
Check Writing Capability N/A N/A N/A
Debit/ATM Card Free* Free* N/A
Foreign ATM Fee $1.00 $1.00 N/A
24-hr. Voice Response Free Free Free
On-line Banking Free Free Free
* A $5.00 fee may be charged for a replacement card  

* Please contact us for current rate sheet for applicable balance tiers
* Click here for additional Savings and Investment Strategies.