Citizens National Bank of Cheboygan

Headquarters: Cheboygan, Michigan
Charter: Bank
Assets: $471.0M
Fed district: Chicago

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
CNB Your Way
Citizens National Bank of Cheboygan: $3
Citizens National Bank of Cheboygan: $3
U.S. median: no median
Overdraft (OD)
Citizens National Bank of Cheboygan: $35
Citizens National Bank of Cheboygan: $35
U.S. median: no median
NSF / Returned Item
Citizens National Bank of Cheboygan: $35
Citizens National Bank of Cheboygan: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Citizens National Bank of Cheboygan’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee$3
per month
Account Research/Reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$35
Returned Item Fee$35

ATM & Card

ATM Transaction Fee (performed by ATMs not owned by CNB)$1.50
ATM/Debit Card Replacement$5

Wire Transfers

Domestic Outgoing Wire$25
Incoming WireNo charge
International Wire$50

Check Services

Cashier's Checks: Customer$4
Personal Money Orders: Customer$3
Stop Payment Item Fee (each)$35
per item
Canadian Checks - Deposited or Cashed$15
per item
Non-Customer$7
Collection Item$15

Cash & Deposit

Chargeback Fee (items returned unpaid)$7.50

Account Services

Notary (Customer)No charge
Cheboygan Main Office has a limited number of 2" x 5" x 22"$35
per year
Drilling of Box$250
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box$48
per year
The Mackinaw City and Onaway Branches each have a limited number of 10" x 10" x 22"$110
per year
Garnishment/Tax Levy$50

Gift & Prepaid Cards

Prepaid Gift Cards$5

Other Fees

Fax Fees (Incoming - per page)$1
per item
Fax Fees (Outgoing - per page)$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$3	per month	None
Account Research/Reconciliation (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$35	Not stated	None
Returned Item Fee	$35	Not stated	None
ATM & Card
ATM Transaction Fee (performed by ATMs not owned by CNB)	$1.50	Not stated	None
ATM/Debit Card Replacement	$5	Not stated	None
Wire Transfers
Domestic Outgoing Wire	$25	Not stated	None
Incoming Wire	No charge	Not stated	None
International Wire	$50	Not stated	None
Check Services
Cashier's Checks: Customer	$4	Not stated	None
Personal Money Orders: Customer	$3	Not stated	None
Stop Payment Item Fee (each)	$35	per item	None
Canadian Checks - Deposited or Cashed	$15	per item	None
Non-Customer	$7	Not stated	None
Collection Item	$15	Not stated	None
Cash & Deposit
Chargeback Fee (items returned unpaid)	$7.50	Not stated	None
Account Services
Notary (Customer)	No charge	Not stated	None
Cheboygan Main Office has a limited number of 2" x 5" x 22"	$35	per year	None
Drilling of Box	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$48	per year	None
The Mackinaw City and Onaway Branches each have a limited number of 10" x 10" x 22"	$110	per year	None
Garnishment/Tax Levy	$50	Not stated	None
Gift & Prepaid Cards
Prepaid Gift Cards	$5	Not stated	None
Other Fees
Fax Fees (Incoming - per page)	$1	per item	None
Fax Fees (Outgoing - per page)	$3	per item	None

Correct a fee source

Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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