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Preferred Platinum Checking

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

Features & Benefits

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 commission-free online equity trades.4,5

Lending Discounts

Waive certain origination fees for a new mortgage and waive the annual fee on personal lines of credit.6


Tiered Interest Rates*


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.

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 trusts, and mortgages1

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

Account holders enjoy free online and mobile banking through City National Online® and the City National Bank App™.§

Use your debit card at millions of merchants worldwide, wherever Visa® debit cards are accepted.

  • View all transactions on your monthly checking account statement, City National Online® and the City National Bank AppTM.
  • Use it at over 2 million ATMs that display the STAR SYSTEM or Plus logo.
  • Get cash, transfer funds and make deposits at most City National ATMs.
  • Pay bills automatically by contacting your merchants and giving them your Visa Platinum Check Card number.
  • 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.

Download the City National Bank App.®

Manage all of your accounts, deposit checks, pay bills and people, and transact business — all from your secured device.§


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.

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


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.


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.


No assessment of reasonable ATM surcharges from other bank ATM providers worldwide. 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 Preferred Platinum Checking account.


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. 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.


Clients who have a Preferred Platinum Checking Account and have a Brokerage Account with CNS qualify for commission-free online equity trades for the first 25 online trades of $5 or more per share in each 12-month period beginning when the new commission status is assigned except as follows: (a) online equity trades in excess of 5,000 shares, which are part of the first 25 trades in a 12-month period are charged .01 per share on the entire order; and, (b) online trades less than $5 per share are subject to CNS' standard commission rates as set forth in the CNS Commission & Transaction Fee Schedule. Online trades in excess of 25 commission free trades in a 12-month period and broker assisted trades are subject to standard CNS commissions. 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. Offer available to one CNS Brokerage Account associated with each Preferred Platinum Checking Account. 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.


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.


Subject to credit approval.