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Personal Checking Accounts

For many of our clients, a personal banking relationship begins with a checking account. Choose from a variety of account options to embark on a superior banking experience.

Compare Checking Accounts

Enjoy Preferred Banking benefits like complimentary wealth planning, cash flow advice and more with this checking account.¹


  • No monthly maintenance fee when balance requirements are met¹
  • Complimentary wealth planning¹
  • Interest rates increase as balances increase




A premium interest-bearing checking account packaged with up to three additional accounts and other services.


  • No monthly maintenance fee when balance requirements are met²
  • No monthly maintenance fees for up to three additional checking or savings accounts³
  • Interest rates increase as balances increase


This checking account provides additional benefits like no monthly maintenance fees on a savings or money market account.


  • No monthly maintenance fee when balance or direct deposit requirements are met²
  • No City National Bank fee for ATM withdrawals at non-City National Bank ATMs⁴
  • No monthly maintenance fee on a Savings or Money Market Account⁵

Looking for more options?

Manage your day-to-day financial needs with unlimited transactions and online and mobile banking with a simple and convenient Personal Checking account.

No wait. No worries.

It's easy and secure to deposit checks, make transfers and more with the City National Bank App.TM

Checking Account Features

Keep Your Money Secure

Our checking accounts are an easy, convenient and secure way to make everyday transactions. 

Online & Mobile Banking

Manage your Savings accounts online or using the City National Bank App.§

Earn Interest

Let your money work for you and start earning more with select checking accounts. 

Conquer Wealth Planning

Understand your current financial position and create an integrated strategy for your future, with all of your finances working together.


Generally, to open an account, you will need your Social Security number, driver’s license or state ID, home address, and the debit card or account information for funding your new account.

Existing clients can open a checking account online through City National Online®.  For all others, please contact us and a dedicated Relationship Manager will help you open an account. 

Yes, all of City National Bank’s checking account offerings are FDIC insured.

Yes, we do offer interest-bearing checking accounts that earn tiered interest rates based on your account balance. 


Includes complimentary access to financial planning services with an industry-leading program like MoneyGuidePro. To enjoy all the benefits of being a Preferred Banking client, a minimum of $250,000 (“Qualifying Balance”) in qualifying deposit, wealth management and loan accounts must be maintained. If the Qualifying Balance is not met in any month after the initial qualifying period, the monthly maintenance fee will be assessed to the Preferred Platinum Checking Account each month until termination of enrollment in Preferred Banking. For more details, please refer to the City National Preferred Banking Disclosure and applicable Fee Schedule.


Please refer to City National’s Account Agreement and Disclosures and applicable Fee Schedule for details about how the balance required to waive the monthly maintenance fee is calculated.


Additional accounts must be owned by the same individual who owns the Premium Checking account.


City National Bank will waive up to three (3) ATM surcharges assessed by non-CNB ATM operators up to a maximum of $15 per statement period. The ATM/Check Card International Transaction Fee is not a surcharge and is not included in the waiver of surcharges. Please refer to City National’s Account Agreement and Disclosures and applicable Fee Schedule for details. 


Additional accounts must be owned by the same individual who owns the Personal Checking Plus account.


City National Bank App requires that you download the City National Bank App and is only available for select mobile devices. Requires setup in City National Online®. Message and data rates may apply.