Order New Checks Online

At Clinton National Bank, we know some people want a checking account for making just a few payments, while others want an account that manages all of their cash management needs.  That’s why we offer a wide variety of checking account options.

Regardless of the type of checking account you select, you can take advantage of our free services PC Banking and Phone Bank. Both of these services allow you to check your account balances and transfer money 24 hours a day, seven days a week. All of our checking accounts can also be set up to receive convenient E-Statements. This service delivers your bank statement to you through the convenience of your computer.


eVantage Investment Checking
This account pays you interest similar to a CD, but gives you the advantages of electronic banking. By signing up for the convenient services of PC Banking, Electronic Statements (E-Statements) and a direct deposit, you can earn a competitive interest rate on your account balance.

Investment Checking (NOW Account)
By maintaining a designated balance, you will receive a variable rate of interest. The rate will be paid according to a tiered structure, compounded and credited monthly, and adjusted periodically based upon current market conditions.

Free Checking
This account is available with no minimum balance required, no monthly fee and unlimited check writing privileges. Images of cleared checks are available online through PC Banking.

An account for customers 50 years and above. There is no monthly fee if a designated balance is maintained. Unlimited check writing, competitive interest paid and much more.  Customers also enjoy the monthly bus trips that are offered to all members. Click here for more information about Prime Time 50


Xpress Deposit
With this convenient service, customers can take a photo of a check with their mobile phone and send the amount directly into their bank account. Get the APP through Mobile Banking.

Debit Card
Do you ever wish you could combine the ease of paying by credit card with the dependability of a check and the convenience of an ATM card? You can, with Clinton National Bank's debit card. The CNB debit card has all the benefits of a credit card. There's no check-writing and it's accepted worldwide just like VISA®. Using it accesses your checking account, rather than building up debt against a line of credit. One of the most attractive features of our debit card is the Choice Rewards Program. This program gives you points every time you pay for items you purchase using your debit card. The points you’ve earned can be redeemed for great items like travel, gift cards, valuable merchandise and more. There is no registration involved, once you’ve activated your debit card, you begin earning points.

Shazam® Card
Use our SHAZAM® card at ATMs to withdraw cash from checking or savings, deposit cash or checks to either your savings or checking account, verify account balances or transfer funds from one account to another.

Tips to help avoid fees
Tips to help avoid insufficient funds and overdraft item fees:
(Clinton National Bank will be referred to as CNB.)

  • Your Available Balance may change under certain circumstances that CNB can not foresee. It is important for you to consider all transactions that you have conducted, but may not yet be fully reflected by CNB.
  • Your Available Balance does not include transactions you have conducted but we have not yet received.

    You can determine the amount you have available to spend by taking your Available Balance and adding or deducting transactions that have not been received by the bank, Credit Pending and Holds on check deposits, and debit card transactions identified as Authorized.

  • For Debit Card purchases, merchants may ask us to approve an initial amount and later send the actual purchase amount (which may be greater or less). Processing transactions that may settle for a different amount are noted by an "Amount may change" message on the Account Details screen. Transactions that typically settle for a significantly lower amount are categorized as Authorized and not deducted from your Available Balance until the final Cleared amount is received.

  • The final amount of most Debit Card purchases is received within 3 business days. If we do not receive it in that time, however, we assume that the transaction was not actually made and add the initial amount back to your Available Balance. If the final purchase comes in later, the actual amount will be deducted at that time.

  • When a check deposit is made, you may be given some portion of the funds as immediate credit. You can see this amount on your Account Details screen as "Available Now". The remainder of funds will be available to withdraw on the next business day unless a Hold is applied. If you made your deposit after cutoff, that may be two or more calendar days.

  • "Cleared", or posted transactions, are not always final because there may be certain circumstances when such transactions may be reversed (for example, if a check you deposited is returned to us due to insufficient funds).

  • CNB offers Overdraft Protection which allows a checking account to be linked to another CNB account to help provide protection against returned items or overdrafts. During nightly posting, if there are insufficient funds to cover a transaction, funds are automatically transferred from the Available Balance in the linked account.

  • You can receive account Alerts to your mobile phone or email to notify you when your Available Balance falls below a threshold you determine.

  • You can check your Available Balance wherever you are by using Online Banking, Mobile Banking, or text messaging

  • Items may not be displayed online in the order that they post to your account because the final posting order is not determined until the end of the business day once all transactions are received. You can see exactly how your transactions posted by visiting Account Balance History.


Important Notice

Web Site Disclosure
Clinton National Bank is not responsible and has no control over the subject matter, content, information or graphics of the web sites that have links here. Visiting these links are at your own risk. The accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by Clinton National Bank. Please contact us with any concerns or comments.

Please remember, no one from Clinton National Bank will ask for confidential information via e-mail.  We may, however, request information via the secure Bank Mail system in PC Banking.  Please report any suspicious e-mail requests to Clinton National Bank immediately.