City National Bank overdraft fee
City National Bank, a subsidiary of Royal Bank of Canada, prints $0 for a returned debit and $0 for the first or second paid overdraft occurrence. A third or later occurrence is $25 per debit, with a $25 maximum per day. This bank does business in Florida as CN Bank. The wider table is US overdraft fees by bank.
Last updated: October 22, 2026
Last checked: Oct 2026
What the personal schedule prints
Opened 22 October 2026. The dollars are on City National Bank's Personal Deposit Account Disclosures, footer ID 19087E, Rev 01/2026, page 39 of 44. Returned debits are $0. Paid debits are $0 on the first or second occurrence, and $25 per debit on the third or subsequent occurrence. The maximum daily overdraft fee is $25 per day.
An occurrence is any business day when one or more items are presented and available funds are short. Occurrences use the current month plus the prior 12 calendar months. If the account is overdrawn by $50 or less after all items post, there is no overdraft fee. A returned unpaid item has no insufficient-funds fee, but it still counts as an occurrence.
The same notice says checks and automatic bill payments may be paid at the bank's discretion. ATM and everyday debit card transactions are not authorized if funds are short. City National will not charge an overdraft fee for an overdraft that results solely from a debit card or ATM card transaction. It does not offer overdraft coverage for consumer debit card or ATM transactions.
Optional plans on the comparison table have no annual fee and no transfer fee. Personal Savings Overdraft Service moves the exact amount from savings or a money market account. A Personal Overdraft Line of Credit advances in $100 increments, up to $25,000, with a minimum line of $1,000. The APR is 18.00%. The minimum payment is 5% of principal plus fees, and not less than $25. It needs credit approval. A Personal Overdraft Sweep Line of Credit advances the exact amount, at an APR of 18.00%, with a minimum payment of 10% of principal plus fees, and not less than $10. The phone on the disclosure is (800) 773-7100. This page does not use a private-banking schedule.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What City National prints |
|---|---|
| Returned debit | $0 |
| Paid debit, first or second occurrence | $0 |
| Paid debit, third or later occurrence | $25 per debit |
| Maximum daily overdraft fees | $25 per day |
| Overdrawn by $50 or less after posting | No overdraft fee |
| Debit card or ATM overdraft only | No overdraft fee |
Questions
- How much is a City National Bank overdraft fee?
- The personal schedule prints $0 for the first or second occurrence and $25 per debit for a third or later occurrence, with a $25 cap per day.
- What counts as an occurrence?
- Any business day when one or more items are presented and available funds are short. The window is the current month plus the prior 12 calendar months. A returned item counts, even though the returned-item fee is $0.
- Does a debit card purchase get an overdraft fee?
- The disclosure says City National will not charge an overdraft fee for an overdraft that results solely from a debit card or ATM card transaction.
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