Checking
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
Open an Account
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:
|
Fees waived for the first two overdraft items you experience3 |
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
|
Fees waived for the first two overdraft items you experience3
|
Debit card access only; no overdraft charges or NFS fees. Transactions will be declined if sufficient funds are not available to cover the transaction.
|
Fees waived for the first two overdraft items you experience3
|
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
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
Open NowPremier
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
Open NowCommunity 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 NowLegacy
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 NowCheckless 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.