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Personal Checking

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Why choose a City Checking Account?

With award-winning customer service, a highly-rated mobile app, and more than 95 branches, City makes banking – and your life – easier.

Which Checking Account is Best For You?

Take the Quiz

We have an account to meet your individual needs:

  • City Gold

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

  • eStatement

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

  • Premier

    For those who maintain higher balances and enjoy earning interest.

  • Community Hero

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

  • Legacy

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

  • Checkless Checking

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

  • Bounce Back

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

  • Teen Checking

    Designed for ages 13-17, this account doesn’t have overdraft fees, monthly fees or minimum balances. Account holders have access to mobile banking with mobile deposit.

Open a new City checking account and earn a direct deposit bonus

For select customers, we’re offering a $200 bonus when you open a new City checking account and set up direct deposit.

You can open your account online, in-person at any convenient City National Bank branch, or speak with a local banker over the phone.

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All City checking accounts come with:

Compare Our Accounts

  • City Gold

    Are cost-saving benefits important to you?

    • No minimum balance
    • Interest paid on all balances
    • Free non-City ATM transactions5
    • Unlimited free boxes of City signature-style checks; $5 off orders of checks in other styles
    • $5 monthly service fee
    • Cost-saving benefits including cell phone protection, Identity theft aid, roadside assistance, shopping and dining discounts, pharmacy discounts and more

  • eStatement

    Do you want a free checking account with eStatements?

    • No minimum balance
    • No monthly service fee after enrollment in eStatements6
    • First order of checks free

  • Community Hero

    Are you a community hero?

    • No minimum balance
    • No monthly service fee
    • Interest paid on all balances
    • Free non-City ATM transactions5
    • Unlimited signature-style checks; $5 off orders of checks in other styles

  • Legacy

    Are you 55 or older?

    • No minimum balance
    • No monthly service fee
    • Free non-City ATM transactions5
    • Unlimited signature-style checks; $5 off orders of checks in other styles

  • Teen Checking

    Do you have a teen between the ages of 13 and 17?

    For information on services visit our Teen Checking page.

  • Premier

    Do you maintain higher balances and want interest?

    • Interest paid on all balances
    • Free non-City ATM transactions5
    • Two free cashier’s checks per month
    • $10 monthly service fee if balance drops below $1,000

  • Bounce Back

    Have you been turned down for a checking account?

    • No minimum balance
    • Monthly service fee of $6.99 with direct deposit, $8.99 without

  • Checkless Checking

    Do you want to avoid overdraft fees?

    For information on services visit our Checkless Checking page.

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