Additional Services
Bounce Protection
What is Bounce Protection?
Bounce Protection is an overdraft privilege requiring no action on your part. You do not have to sign anything. Your overdraft privilege (Bounce Protection limit) amount will be automatically assigned.
How does Bounce Protection work?
As long as you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days), City National Bank may honor overdrafts up to the Bounce Protection limit on your account. If you use Bounce Protection, you should remember the bank’s normal non-sufficient funds (NSF) fee for each transaction will be deducted from your limit. As in the past, the bank will notify you by mail when an overdraft occurs. No interest will be charged on the overdraft balance.
How do I know when I use the overdraft limit?
You will receive an overdraft notice in the mail each time items are paid. The notice will show the overdraft item amount, NSF fee and check number, if applicable. You should subtract total fees from your checkbook. Remember, the fee for paying an item is the same as for returning one.
I have two checking accounts. Can I get Bounce Protection on both?
Yes. If you have multiple accounts for your household or business, you may have a limit on all eligible accounts.
What if I go beyond my Bounce Protection limit?
Overdrafts above your established limit may result in overdraft items being returned to the payee. The normal NSF fee will be charged per overdraft item and assessed to your account. An NSF notice will be sent to notify you of our actions.
What are some of the ways I may have access to Bounce Protection?
Generally, you may access your Bounce Protection through:
- Checks and other debits cashed at teller windows
- City National debit/ATM card
- ACH debit transactions
- Checks issued to a third party
- All transactions that currently are honored through your account
What does my Bounce Protection privilege cost?
There is no additional cost associated with this privilege if you bring your account to a positive balance once every 30 days. As stated previously, you should keep in mind that you will be charged an NSF fee for each check paid under the limit.
How soon can I use my Bounce Protection?
If you are a new active account holder and maintain your account in good standing, you will be able to use the overdraft privilege 90 days after the account is opened.
Debit Card
Leave your checkbook at home with our Gold Debit MasterCard. A card that gives you the benefits and advantages of an a debit card, allowing you 24-hour access to your account(s) to make cash withdrawals, transfer funds between City accounts, and check your account balances. You can use it to make purchases anywhere you see the MasterCard symbol or to make purchases through the mail, over the telephone or through the Internet. Plus, you’ll receive enhanced benefits, including extended warranty and purchase protection and emergency travel assistance at no cost to you.
To report a lost or stolen Debit Card, please call 1.800.528.2273. After reporting the card lost/stolen, please contact your local City branch to order a new card.
Online Banking
View your account statement, check account balances, transfer funds and make loan payments online. These services are free, and you can receive your account statement via email at no additional charge using our eStatement service. If you would like to take advantage of our electronic Bill Payment feature, it's available and completely free!
To learn more, please visit click here.
e-Statement
Get your monthly statement by email – FREE!
The electronic statement, or eStatement, includes a complete copy of your monthly bank account statement, along with images of your checks. All security precautions have been taken to ensure confidentiality of the statements. City National Bank customers can receive their eStatement automatically every month at their current email address, providing a quicker option to accessing monthly statements.
Tellebanker
Our 24-hour telephone banking service offers easy access to your checking and savings accounts, including account balances, checks that have been presented against your account and ATM and City Check Card transactions. You can even transfer money from one account to another by simply choosing that option. Call 1.800.776.0541 24-hours a day.
Overdraft Access
Your best protection against overdrafts on your checking account. Ask a City National Bank professional about Overdraft Access and avoid the embarrassment and cost of returned checks.
Overdraft Protection
City National Bank's Overdraft Protection is a line of credit tied to your checking account. If your account overdraws, funds will be transferred from your credit line into your checking account in $100 increments, up to your credit line. It's that easy.
Safe Deposit Box
Protect your valuables in a safe and secure place. At City National Bank, we offer safe deposit boxes in a variety of sizes and prices to fit your needs. Simply come into any one of our convenient locations to see what sizes are available.