Retail Accounts
This account is great for home owners and has choice of 2 free options.
What is Performance Checking?
This OFB allows for wire and requires use of a token
What is Basic Plus?
You can share your screen, check to see if a co-worker is available and send an IM (instant message) to a coworker.
What is Jabber?
Per Policy, Non Owner Occupied Commercial Real special standards guidelines for Owners Equity, Debt Service Coverage and Loan to value are.
What is 40% OE, 1.25 DSC and 75% LTV?
This is a the new introductory rate for our HELOC and the length of time it is in effect.
What is 2.99% and 6 months?
For Elite checking, this relationship balance is needed to waive the $20 service fee
What is $125,000?
This increases a business purchasing power, it is a great way to track expenses, and has a control account, UChoose rewards, online access, and Falcon Fraud Monitoring.
What is Citizens National Bank credit card?
Using the industry profile from this website to take to client appointments or in our UCAS to help with understanding our client is a great tool.
What is Vertical IQ?
Per Policy, this is the max per acre in all counties except Mercer County
What is $5500?
Benefits of this product are - Make deposits anytime, save time preparing deposits, Eliminate trips to the bank
What is Merchant Capture?
There are the 4 savings accounts CNB offers to help customers save.
What are Personal Savings, Goal Based Savings, Certificate of Deposits, and Money Market accounts?
These are the 3 types of Positive Pay.
What is Reverse Check, Check and ACH positive pay?
This is a key function for communicating that you are out of the office, and who else to contact, if applicable. Depending on your position this is also a great tool to redirect customers who try to contact you when you are out.
What is Out of Office Reply?
Per policy, Individuals with under $1M of provable net worth is not eligible for this loan program through SouthState.
What is ARC?
You are automatically enrolled in this if you have a Citizens National Bank Visa.
What is UChoose Rewards?
Money Markets require this balance to earn interest
What is $2500?
These are the 4 business checking accounts we offer at CNB.
What are Free Business, Basic Business, Business Review and Elite checking?
Vertical IQ offers this to stay in touch with business owners that include updates on the industry, a spotlighted news article, a notable financial trend, and usually a light hearted demand. Make sure you sign up for these.
What are Quarterly emails?
Loans going to SLC need an updated Profit Model by this time.
What is the Thursday or Friday before our SLC meetings?
It allows a business to finance up to 90% of the cost of a project. The most attractive feature is that approximately half of the financing is eligible for a long term fixed rate of interest. The program is very well suited to a real estate or equipment purchase along with construction projects.
What is the SBA504 loan program?
This account is geared towards those who are out of town often and we also offer a college version
What is Go Anywhere Checking?
What is $1.00 per each item?
Using this is a great option for customers to sign documents electronically. This is an eligible form list found on the Intranet. Remember not to use this on new customers to the bank.
What is Docusign?
Single Loan amount =<$1,500,000 AND Aggregate exposure is =<$2,500,000 is approved by this group
What is Sr. Loan Committee (SLC)?
This grant funded by FHLB is to help fund down payment and closing costs for low- and moderate-income homebuyers purchasing a primary residence. Customers would have to take out a loan with CNB to use this grant.
What is the Welcome Home Grant?