Checking

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Why a City National Bank Checking Account?

At City, we offer a wide variety of checking accounts to meet your needs. And we have some of the best checking accounts available today. City’s checking accounts are designed with a host of features and options that you can match to fit your lifestyle.

All City National Bank checking accounts come with:

  • Access to more than 90 branches and ATMs
  • Contactless payments with Gold Debit MasterCard©
  • Multiple overdraft protection options
  • Early access to your paycheck with Direct Deposit Early Pay1
  • Free Online Banking with Bill Pay
  • Free Mobile Banking2
  • Free Text Banking2
  • Free eStatements

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Which Checking Account is best for you?

Most Benefits  
City Gold eStatement Premier Community Hero Legacy Checkless Checking Bounce Back
The ultimate in convenience and service. Save money on everyday purchases and enjoy cost-saving benefits from BaZing. Perfect if you want basic checking with no monthly service fee and an electronic statement. For those who maintain higher balances and enjoy earning interest. A free checking account designed for first responders, teachers, veterans and medical professionals. A free checking account with no minimum balance or monthly fee for those ages 55 and up. A debit card-only account to help you manage your finances without overdraft or non-sufficient funds (NSF) fees.A second chance account to help you get back on track.
Minimum balance required to avoid monthly fees None None $1,000 None None None None
Monthly fee $5 None with enrollment in eStatements $10 if balance drops below $1,000 None None $5 $6.99 with direct deposit $8.99 without
Interest paid Yes No Yes Yes No No No
Free checks Unlimited free signature-style checks First order of signature-style checks free No Unlimited free signature-style checks Unlimited free signature-style checks Checks not available No
Free non-City ATM transactions3 Yes No Yes Yes Yes No No
Bank statement Free paper statement or eStatement Free eStatement, $4 monthly fee for paper statement Free paper statement or eStatement Free paper statement or eStatement Free paper statement or eStatement Free eStatement or $2 paper statement Free paper statement or eStatement
Additional features
Fees waived for the first two overdraft items you experience3
Cost-saving benefits with BaZing:
  • Cell phone protection
  • 24-hour roadside assistance
  • Identity theft aid
  • Shopping, dining and travel discounts
  • Pharmacy, vision and hearing discounts
  • Accidental death insurance
 Open an Account
Fees waived for the first two overdraft items you experience3

Open an Account

Fees waived for the first two overdraft items you experience3
Two free cashier's checks per month

 Open an Account
Fees waived for the first two overdraft items you experience3

 Open an Account

Fees waived for the first two overdraft items you experience3

 Open an Account

Debit card access only; no overdraft charges or NFS fees. Transactions will be declined if sufficient funds are not available to cover the transaction. 

Open an Account

Fees waived for the first two overdraft items you experience3

Open an Account

City Gold

The ultimate in convenience and service. Save money on everyday purchases and enjoy cost-saving benefits from BaZing.

No minimum balance

Interest paid on all balances

Free non-City ATM transactions3

Unlimited free boxes of City signature checks

$5 off order of checks in other styles

Free paper statement or eStatement

Fees waived for the first two overdraft items you experience4

$5 monthly service fee

Additional features

Cost-saving benefits with BaZing:

  • Cell phone protection
  • 24-hour roadside assistance
  • Identity theft aid
  • Shopping, dining and travel discounts
  • Pharmacy, vision and hearing discounts
  • Accidental death insurance
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eStatement

Perfect if you want basic checking with no monthly service fee and an electronic statement.

No minimum balance

No monthly service fee with enrollment in eStatements

$4 monthly fee for paper statement

First order of signature-style checks free

Fees waived for the first two overdraft items you experience4

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Premier

For those who maintain higher balances and enjoy earning interest.

Minimum balance required to avoid monthly fees

$1,000

Monthly fee

$10 if balance drops below $1,000

Interest paid on all balances

Free non-City ATM transactions3

Free paper statement or eStatement

Additional features

Two free cashier's checks per month

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Community Hero

A free checking account designed for first responders, teachers, veterans and medical professionals.

No minimum balance

No monthly service fee

Free non-City ATM transactions3

Unlimited free boxes of City signature checks

$5 off orders of checks in other styles

Free paper statement or eStatement

Interest paid on all balances

Fees waived for the first two overdraft items you experience4

Open Now

Legacy

A free checking account with no minimum balance or monthly fee for those ages 55 and up.

No minimum balance

No monthly service fee

Free non-City ATM transactions3

Unlimited free boxes of City signature checks

$5 off orders of checks in other styles

Free paper statement or eStatement

Fees waived for the first two overdraft items you experience4

Open Now

Checkless Checking

A debit card-only account to help you manage your finances without overdraft or non-sufficient funds (NSF) fees.

No minimum balance

$5 monthly service fee

Free eStatement or $2 paper statement

Debit card access only; no overdraft charges or NFS fees. Transactions will be declined if sufficient funds are not available to cover the transaction.

Bounce Back

A second chance account to help you get back on track.

No minimum balance

Monthly service fee

$6.99 with direct deposit, $8.99 without

Free paper statement or eStatement

Fees waived for the first two overdraft items you experience4

Switch to City and take advantage of some of the best checking accounts in the industry. Click here for our easy-to-use Switch Kit.

1Early access to direct deposit funds is dependent upon timely receipt of funds from the payer. These funds are generally made available one day earlier than the scheduled payment date.

2Your third party provider may charge for message and data plans.

3Other banks may impose surcharge. 

4A fee of $36 per overdraft item applies thereafter. Overdraft items are paid at the bank's discretion.