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Analyzed Business Checking

Designed for businesses with higher transaction activity and larger account balances, our Analyzed Business Checking account allows you to receive earnings credits from your balances to help offset fees.

How It Works

Aggregate Balances

Establish eligible accounts as Analyzed Business Checking Accounts to aggregate excess balances.

Apply Earnings Credit Rate

Apply an earnings credit rate to your cumulative deposit balances across all eligible accounts.


Offset Fees

An earnings credit will be used to offset all or some fees associated with treasury management and deposit products.1

Features & Benefits

Offset Fees¹

Apply an earnings credit to help offset your monthly service charges. Higher balances lead to higher earnings credit rates.

Simplify Cash Management

Balances are aggregated from all of your Analyzed Business Checking accounts; there is no need to establish individual account transfers.

Gain Visibility

A consolidated, detailed view of your accounts provides more information for better decision making.


Access Liquidity

Balances remain in your accounts for daily operational and liquidity needs; no money movement or transfers necessary.

Manage cash and offset fees.

Integrated Treasury Management Solutions

From cash management to fraud mitigation, we can help you increase efficiencies, strengthen controls, manage risk and reduce the cost of borrowing.

More About This Account

For details about how account analysis works to offset fees, please refer to City National’s Account Agreement and Disclosures and applicable Fee Schedule, or contact our Treasury Management Client Services team at (800) 599-0020, Monday through Friday, 5:30 a.m. to 7 p.m. (PT).

  • CA, FL#, NV, MN, DC & VA: 122016066
  • GA & TN: 064009445
  • NY: 026013958

City National Bank’s SWIFT Code is: CINAUS6L

Click here to read the agreements, fees and disclosures.

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#City National Bank does business in Miami and the state of Florida as CN Bank.


Please refer to City National's Account Agreement and Disclosures and applicable Fee Schedule for details. 


Up to three (3) eligible checking, money market or savings accounts ("Benefit Accounts") with the regular monthly maintenance fee waived may be included in the Package for the monthly Package fee. All accounts must be non-analyzed. Some accounts types are not eligible for inclusion in the Package. Please refer to City National's Account Agreement and Disclosures and applicable Fee Schedule for details.