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Citizens National Bank may be an ideal fit if you live in Mississippi and prefer local banks to national banks. The bank offers a decent Citizens National Bank Citizens National Bank SmartBlue Savings Account, and also has the CleanSlate Program if you want to open a bank account but have a poor banking history.
Citizens National Bank Review: Overall Rating
| Feature | Insider rating (out of 5) |
| Savings | 3.5 |
| Checking | 3.5 |
| CD | 2.75 |
| Money market account | 3 |
| Trustworthiness | 5 |
| Total | 3.5 |
Citizens National Bank Pros and Cons
| Pros | Cons |
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Citizens National Bank Account Reviews
Citizens National Bank SmartBlue Savings Account
no monthly service fee
0.01%
$100
- No monthly service fees
- Smart Savings Transfer
- Low interest rate
- $100 minimum opening deposit
- Interest compounded quarterly, not daily
- Community development financial institution with 27 branches and 75 ATMs in Mississippi
- Must keep at least $100 in account to earn interest
- If you have a checking account, you'll be eligible for Smart Savings Transfer which lets you round up debit card purchases and deposit the extra change into your savings account
- Interest compounded and deposited quarterly
- Member FDIC
The Citizens National Bank SmartBlue Savings Account could be worthwhile if you are searching for a savings account that doesn't charge monthly service fees.
It pays a lower interest rate than the average savings account, though. You'll also need at least $100 in your account to earn interest.
Citizens National Bank ClassicBlue Checking Account
$5 monthly service fee
None
$50
- Possible to waive monthly service fee
- No out-of-network ATM fees
- Reimbursed up to $10/month if you're charged by an out-of-network ATM provider
- Overdraft protection available
- $50 minimum opening deposit
- $5 monthly service fee
- $35 overdraft fee
- Community development financial institution with 27 branches and 75 ATMs in Mississippi
- Monthly service fees are automatically waived for anyone under the age of 25 or over 62
- To waive the $5 monthly service fee, you must meet one of the following requirements: Have at least 10 debit card transactions per month; receive $100 or more in direct deposits; Keep at least $500 in your account daily
- Overdraft protection that allows you to link your checking account to SafetyNet Savings or apply for a line of credit
- There's a $10 overdraft protection fee if you utilize it
- Member FDIC
The Citizens National Bank ClassicBlue Checking Account makes it easy to avoid ATM fees. You won't be charged by Citizens National Bank if you use an out-of-network ATM, and you'll be refunded up to $10 per month in out-of-network ATM fees.
Anyone under the age of 25 or over the age of 62 won't have to deal with monthly service fees — the fee is automatically waived.
If you are in between those ages, you'll have to determine if you can meet one of the following requirements: Make 10 debit card transactions per month, receive $100 in direct deposits per month, or maintain a daily account balance of $500 or more.
Citizens National Bank CD
Varies depending on location
$2,500
- Standard early withdrawal penalties
- Low interest rate
- $2,500 minimum opening deposit
- Interest compounded quarterly or annually depending on term
- CD options will depend on your location
- Community development financial institution with 27 branches and 75 ATMs in Mississippi
- CD options will vary depending on where you live in Mississippi; Contact your nearest branch to see which terms are available
- Early withdrawal penalties depend on the term chosen and amount deposited; Contact your nearest branch for more information
- Interest compounded and deposited annually or quarterly
- Member FDIC
Citizens National Bank CD require a hefty minimum opening deposit of $2,500 — usually, banks let you open a CD with $1,000.
You'll have to contact your nearest Citizens National Bank branch to find out which terms are available, since your options may vary depending on where you live.
Citizens National Bank High Yield Money Market Account
$15 monthly service fee
0.01% to 0.05%
$5,000
- Possible to waive monthly service fee
- Checks included
- Low interest rate
- $5,000 minimum opening deposit
- $15 monthly service fee
- No debit card
- Community development financial institution with 27 branches and 75 ATMs in Mississippi
- Earn 0.01% APY on account balances under $100,000
- Earn 0.05% APY on account balances over $100,000
- To waive the $15 monthly service fee, keep at least $5,000 in your account daily
- Interest compounded and deposited monthly
- Member FDIC
You'll find the best money market accounts with lower minimum openings and higher interest rates at other banks. The Citizens National Bank SmartBlue Savings Account will also be a better option if you'd prefer to avoid monthly service fees.
About Citizens National Bank
Citizens National Bank is a local bank in Mississippi with 27 branches and 75 ATMs.
The local bank has limited customer support. Representatives are available weekdays from 8 a.m. to 6 p.m. CT and Saturdays from 9 a.m. to noon. If you prioritize strong customer service, you might consider banking with an institution that has 24/7 live support.
The bank's mobile app has 4.8 out of 5 stars in the Apple and Google Play stores.
Citizens National Bank is FDIC insured. Up to $250,000 is secure in an individual bank account.
Is Citizens National Bank Trustworthy?
We include ratings from the Better Business Bureau so you can see how banks address customer issues. The BBB gave Citizens National Bank an A- rating because it has failed to respond to one customer complaint.
A high BBB rating won't guarantee that your relationship with the bank will be smooth, though. Talk to current customers or read online customer reviews to see if Citizens National Bank could be a good fit.
Citizens National Bank hasn't been involved in any recent public controversies.
The Role of Community Development Financial Institutions
Community development financial institutions, or CDFIs, serve low-income and disadvantaged communities. Banks and credit unions have to undergo certification by the US Department of Treasury's Community Development Financial Institutions Fund and meet specific requirements to address banking barriers.
Citizens National Bank created the CleanSlate Program for people who struggle to open a bank account due to their negative banking history. The CleanSlate Program helps improve your banking history so you can have more banking options.
The CleanSlate checking account doesn't require a credit check. If you maintain the account and have zero overdraft for 18 months, you'll be eligible to open a traditional checking account at Citizens National Bank.
Meanwhile, to be eligible for the CleanSlate Savings account, you'll take a financial education course first. Once you've received your certificate, you'll be eligible to open a savings account.
How Citizens National Bank Compares
Citizens National Bank vs. Southern Bancorp
Citizens National Bank and Southern Bancorp are both certified as CDFIs and serve Mississippi communities. See which bank might be a better fit for you.
Deciding between Citizens National Bank and Southern Bancorp will likely hinge on the accounts you'd like to open.
Citizens Bank offers a free savings account, but Southern Bancorp makes it easier to waive fees on a checking account — just sign up for online statements and your fee will be waived.
It's also worth noting that Southern Bancorp has strong CDs with competitive interest rates.
Citizens National Bank vs. Hancock Whitney Bank
See how Citizens National Bank stacks up to a popular regional financial institution: Hancock Whitney Bank.
If your priority is to avoid monthly service fees, Citizens National Bank might be a more suitable option.
Citizens National Bank doesn't charge monthly service fees on its savings account. Meanwhile, Hancock Whitney Bank charges a $3 monthly service fee if you are between the ages of 18 and 65 and don't have at least $200 in your account.
In regards to checking accounts, both banks have monthly service fees. However, Citizens National Bank has more ways to waive the fee than Hancock Whitney Bank.
Whitney Bank will likely be a better choice if you'd like to open a CD, though. The minimum opening deposit is much lower than what's required at Citizens National Bank, and you'll have a variety of CD terms to choose from.
Why You Should Trust Us: How We Reviewed Citizens National Bank
For our Citizens National Bank review, we rated bank products and services using our editorial standards.
We rate products on a scale from one to five stars, and use a bank account methodology
For example, using our CD methodology we'll review interest rates, minimum opening deposit requirements, early withdrawal penalties, CD variety, customer support availability, mobile app ratings, miscellaneous features, and ethics of the overall company. Meanwhile, for checking accounts, we'll factor in the ATM network size and fees, overdraft protection options, customer support hours, mobile app ratings, ethics, security, miscellaneous features, minimum opening deposit requirements, and fees.
We use a weighted average to get our star rating, which means we weigh certain features, like interest rates and fees, at a higher weight percentage than others. We understand that these areas can more heavily impact a person's overall banking experience.
Citizens National Bank FAQs
Yes, Citizens National Bank is a local financial institution with 27 branches in Mississippi. Its headquarters is in Meridian, Mississippi.
You'll need two types of US IDs and a minimum deposit to open your accounts. Checking accounts require at least $50 upfront, while savings accounts require an initial deposit of $100. You may open the Citizens National Bank SmartBlue Savings Account or Citizens National Bank ClassicBlue Checking Account online, but other bank accounts will need to be opening at a branch.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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