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High Yield Checking
Grow your money faster—without changing your everyday banking habits.
5.00% APY
Limited-Time Offer
High Yield Checking
Grow your money faster—without changing your everyday banking habits.
Discover the smarter way to manage your finances with our High Yield Checking account. Designed for those who want more from their money, this account offers competitive interest rates, no monthly maintenance fees, and all the convenience of modern digital banking. Whether you’re saving for something big or just want your balance to work harder, High Yield Checking puts your goals within reach—effortlessly.
- Open with $500.
- Earn premium 5.00% APY on balances up to $15,000.1
- Automatic refunds up to $25 for other banks’ ATM fees.2
- FREE CNB Debit Card.3
- Earn 5.00% Annual Percentage Yield (APY) on balances up to $15,000 and .05% APY on balances of $15,000 and over if the following requirements are met: receive a monthly direct deposit of $100 or more OR an ACH debit of $100 or more, a monthly e-statement AND make a minimum of 10 CNB Debit Card point-of-sale transactions. ATM transactions not included. Transactions must post and settle to your account during monthly statement cycle. If the requirements are not met for the current statement cycle, the default interest rate of 0.01% APY will apply. APY is current as of February 3, 2025. Rates are set by CNB and are subject to change at any time. Interest accrues on collected balances and is paid monthly. If you close your account before interest is credited you will not receive the accrued interest. Fees may reduce earnings. Available to individuals only. Limited to one account per Social Security Number. New account required.
- We won’t charge you for using another Bank’s ATM, and we’ll even automatically refund the fees they charge you up to $25 per month at the end of your statement cycle.
- Other charges may apply such as Returned Item/Overdraft and third-party ATM fees.
Unlike traditional checking accounts, high yield options offer competitive interest rates—so your money grows just by sitting there, without needing to transfer it to a separate savings account.
Enjoy the convenience of a regular checking account—like debit card access, bill pay, and mobile banking—while earning interest. No hoops, no hidden conditions.
Keep your funds fully accessible for daily use or emergencies, all while earning interest. It’s the perfect blend of flexibility and financial growth.
Your deposits are protected up to the maximum allowed by law, so you can bank with confidence knowing your money is safe.
How much can you earn?
Your estimated total earnings
YOUR STARTING BALANCE: $25,000
ESTIMATED EARNINGS: $2,000
Disclaimer: When working with the calculator, please remember that the dollar amounts displayed aren’t guaranteed. The estimates you receive are for illustrative and educational purposes only. This calculator is not intended to offer any tax, legal, or financial advice and does not guarantee your eligibility for any specific product(s).
Start our secure and fast enrollment process. Choose from one of our available offers.
You’ll need to provide details like your address, phone number, email, Social Security number/ITIN, etc.
Check your email for our confirmation! It includes information about your next steps.
Frequently Asked Questions
What is a High Yield Checking Account?
A high yield checking account offers a significantly higher interest rate than traditional checking accounts, helping your money grow while still giving you full access to it.
How is it different from a savings account?
While both earn interest, a high yield checking Account typically offers more flexibility—like unlimited transactions, debit card access, and bill pay—without the withdrawal limits often found in savings accounts.
Are there any requirements to earn the high interest rate?
Some accounts may require you to meet monthly criteria such as a minimum number of debit card transactions, direct deposits, or maintaining a certain balance. Always check the specific terms.
Is my money safe in a High Yield Checking Account?
Yes. If the account is offered by an FDIC-insured bank, your deposits are protected up to the legal limit, typically $250,000 per depositor, per institution.
Can I access my money anytime?
Absolutely. high yield checking Accounts are designed for everyday use, so that you can access your funds via ATM, debit card, or online banking just like a regular checking account.
Your money is safe.
At Citizens National Bank, your peace of mind is backed by more than 137 years of strength, dedicated service, and FDIC protection. We’re committed to helping you grow and safeguard your finances with secure, dependable banking you can trust.