Can a citiation affect my naturalization process?

Unlikely as it does not appear to be a criminal record.

Only a misdemeanor or a felony can potential affect your naturalization and not civil matters or bankruptcy.

You need to find out if the "citation" you received under the MN laws is considered a crime involving moral turpitude for immigration purposes. You should contact an immigration attorney in MN to help you with this matter. Traffic citations usually do not affect; however, for what you express, the citation may have involved fraud, and this COULD affect your immigration process.

No, a citation for a bank account would not affect your naturalization process.

The answer is that it depends. In Florida, the provision of law discusing most worthless check cases does not require any intent to defraud. With no intent to defraud, there should be no issue. Your case was not a Florida case so the only advice I can give is to consult with a qualified attorney. Minor cases like yours should not be all that big of a deal. However, you should always disclose anything that may even come close to creating a potential problem. Far too often, Applicants try to outsmart the government with the idea that nobody will know or care. Bad idea. Again, I would suggest a consultation with a qualified and licensed attorney who can answer your questions and provide some guidance.