Features & Benefits

Open a Preferred Platinum Checking account to begin your Preferred Banking relationship, which includes complimentary wealth and retirement planning, cash flow advice and investment management.1,4,5

ATM Benefits

No City National fee for withdrawals at non-City National ATMs, plus surcharge rebates.2

Preferred Ladder Money Market Account

No monthly maintenance fees when you open an interest-bearing money market account.3

Personal Wealth Management

Receive discounts on wealth advisory programs, waive the annual fee on an Individual Retirement Account (IRA) and make unlimited commission-free online equity trades.4,5

Lending Discounts

Waive the annual fee on personal lines of credit.6


Tiered Interest Rates*

Less than $10,000 0.01% 0.01%
$10,000 to $49,999.99 0.01% 0.01%
$50,000 to $99,999.99 0.01% 0.01%
$100,000 to $499,999.99 0.01% 0.01%
$500,000 and over 0.01% 0.01%

Additional Account Information


$50 if combined balance requirements are not met

$250,000 in combined qualifying balances1

Eligible personal deposits, equity and personal lines of credit, investments and trusts1

Avoid overdraft fees with one of several overdraft protection options, including a Personal Savings Overdraft Service, a Personal Overdraft Line of Credit or a Personal Overdraft Sweep Line of Credit.7

  • 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.

The Preferred Banking Experience

Sign up for Preferred Banking and get a dedicated team of highly experienced financial advisors to help you achieve your financial goals.

*The interest rate and associated Annual Percentage Yield ("APY") are accurate as of


are established by City National Bank and may vary as often as daily. Interest accrues and compounds monthly and is credited on the last day of the statement period, but no more frequently than monthly. APY assumes no withdrawal of credited interest and no change in interest rate for a full year. Service fees may reduce account earnings.

1. 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.

2. No CNB fee for ATM withdrawals made at non-CNB machines and no assessment of ATM surcharges assessed by non-CNB ATM operators. Please note that fees may apply for ATM/Check Card International Transactions. Please refer to the City National Preferred Banking Disclosure and applicable Fee Schedule for details. 

3. Additional accounts must be owned by the same individual who owns the Preferred Platinum Checking account.

4. Preferred Banking clients with City National Securities (CNS) qualify for a 10% discount on CNS Advisory Program accounts with over $1,000,000 open after July 1, 2020. Services may not be available in all markets.

5. Preferred Banking clients with a Brokerage Account with CNS qualify for commission-free online equity trades $5 or more per share and no more than 5,000 shares per trade, subject to CNS terms and conditions. Offer available to one (1) CNS self-directed online Brokerage Account associated with each Preferred Platinum Checking Account. Available only for online equity trades, including stock and exchange traded funds (ETF) trades. Standard brokerage fees apply for all other transactions, including option trading, mutual fund transactions, account transfer and processing, account maintenance, account termination, and IRA custodial accounts transactions. CNS reserves the right to change or suspend this program at any time. Note: This is not applicable to accounts domiciled at City National Bank branches in the following locations - Long Island New York, Minnesota, Georgia, District of Columbia, Virginia.

6. Loans and lines of credit are subject to credit and property approval, as applicable. Additional terms and conditions apply. Not all applicants will qualify. To enjoy any fee waivers, a minimum of $250,000 in qualifying deposit, wealth management and loan accounts must be maintained.

7. Subject to credit approval.

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

Online and Mobile Banking Service Agreement