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Regular Checking Account

Our regular checking account is simple and easy.

The maintenance fee is waived with a minimum balance of $600.00. A $100.00 deposit is required to open the account.
This account includes:

  • Free City National Bank Visa Check Card
  • No Fees at City National Bank sponsored ATMs
  • Free Online Banking
  • Free Bill Pay Service
  • Free Telephone Banking
  • Maintenance fee is waived for customers 62 or older upon notification

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Hometown Advantage Checking Account

Safe. Smart. Simple.

Our Hometown Advantage Checking Account package offers a comprehensive list of benefits to keep your family safe and saves you money on everyday purchases for a small monthly membership fee.

A $100.00 deposit is required to open the account.

  • No minimum balance required
  • Personalized Hometown Advantage Checks
  • Unlimited Check Writing
  • Officers Checks and Money Orders half off the regular issue fee
  • $3 Discount Safe Deposit Box
  • Interest options-terms and conditions of our NOW account apply
  • Hometown Advantage Discount Card for savings at many local merchants
  • Accidental Death & Dismemberment Insurance**
  • Cellular Telephone Protection** Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the US and abroad.
  • Travel and Leisure Discount Membership
  • $hopping RewardsTM
  • Debit Advantage® Buyer’s Protection** & Extended Warranty**
  • Health Discount Savings^ (This is NOT insurance.)
  • IDProtect®*
    • Identity Monitoring^
    • Online Identity Theft News Center and Valuable Phone and Web Resources^
    • Identity Theft Expense Reimbursement Coverage**
    • Comprehensive Identity Theft Resolution Service
    • Debit and Credit Card Registration^
    • 3-in-1 Credit File Monitoring***
    • 3-in-1 Credit Report^
  • Free City National Bank Visa Check Card
  • No Fees at City National Bank sponsored ATMs
  • Free Online Banking
  • Free Mobile Deposit Capture
  • Free Bill Pay Service
  • Free Telephone Banking

*Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. **Special Program Note: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. ***Credit File monitoring may take several days to begin following activation.
^Registration and activation required
To receive benefits items may need to be purchased or paid for entirely using eligible account
Insurance Products are not insured by the FDIC or and Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

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NOW Account Checking

Our NOW account offers a competitive interest rate for those that maintain a minimum balance of $1,000.00.

A maintenance fee is assessed if the balance falls below the minimum balance.
This account includes:

  • Free City National Bank Visa Check Card
  • No Fees at City National Bank sponsored ATMs
  • Free Online Banking
  • Free Mobile Deposit Capture
  • Free Bill Pay Service
  • Free Telephone Banking
  • A $100 deposit is required to open the account.

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Student Checking

Start with the basics for building your future with our Student Checking Account.

This account is designed for young adults between the ages of 15 and 25 that are full-time students. A $25.00 deposit is required to open the account.
This account includes:

  • Free City National Bank Visa Check Card
  • No Fees at City National Bank sponsored ATMs
  • Free Online Banking
  • Free Bill Pay Service
  • Free Telephone Banking
  • No minimum balance requirement

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Savings Account

Start achieving your financial goals by opening a Savings Account.

This account is perfect for all to help achieve any financial goal– big or small. A minimum balance of $100.00 is required to open the account and earn interest. Contact a customer service representative for details.
Limitations on frequency of transfers – Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, check, or computer transfer are limited to six per month. In person, you may make unlimited withdrawals or transfers to another account you own.

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Christmas Club

Because Christmas is here before we know it.

Our Christmas Club offers customers a dedicated account to make deposits throughout the year with funds available in October. Just in time for Christmas shopping!
A minimum deposit of $5.00 is required to open the account.

  • Free Online Banking

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Cash Management Account

Our Cash Management Account is designed for those who make few transactions per month and wish to earn a higher interest rate.

Cash Management Accounts give customers the flexibility of earning the most for their money without locking it in for a period of time. A minimum balance of $2,500.00 is required to earn interest and avoid a maintenance fee. Transactions are limited to six to other accounts or to third parties.

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Rates

City National Bank offers competitive rates on deposit products.

Review our rate listing to find the product that best fits your savings need.
Our interest rates and Annual Percentage Yields (APY’s) are accurate as of 12/1/2021 but are subject to change.

Checking Rates

Interest rate may change for variable rate accounts. Fees may reduce earnings. Minimum balance required to obtain stated Annual Percentage Yields (APY).
Fees could reduce earnings on account

Savings Rates

Interest rate may change for variable rate accounts. Fees may reduce earnings. Minimum balance required to obtain stated Annual Percentage Yields (APY).
Fees could reduce earnings on account

CDs Rates

Interest rate may change for variable rate accounts. Fees may reduce earnings. Minimum balance required to obtain stated Annual Percentage Yields (APY).
Fees could reduce earnings on account

IRAs Rates

Interest rate may change for variable rate accounts. Fees may reduce earnings. Minimum balance required to obtain stated Annual Percentage Yields (APY).
Fees could reduce earnings on account

Main Office
423 Ferry Street
Metropolis, IL 62960
(618) 524-2161
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Branch Office
2070 East 5th Street
Metropolis, IL 62960
(618) 524-2162
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Lobby Hours:
Monday – Wednesday: 8:30am – 3:00pm
Thursday: 8:30am – 12:00pm
Friday: 8:30am – 5:00 pm
Saturday: 8:30am – 12:00pm
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Drive-Thru Hours:
Monday – Friday: 8:00am – 6:00pm
Saturday: 8:00am – 12:00pm
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Lost or Stolen Card
(800) 264-4274