Citizens 1st Bank

TYLER • NACOGDOCHES • RUSK • JACKSONVILLE

Serving the East Texas Community Since 1920
Locally Owned and Operated

Checking • Savings • Certificates of Deposit • Safe Deposit Boxes • ATM Cards

Statement Imaging

All Citizens 1st Bank checking accounts now come with free Imaged Statements! To see how Statement Imaging benefits you, click here to view our Imaging brochure.

Click here for new overdraft rules for Debit and ATM cards.

Notice About Your FDIC Coverage:

Beginning January 1, 2010 Citizens 1st Bank will no longer participate in the FDIC’s Transaction Account Guarantee Program. Thus, after December 31, 2009, funds held in noninterestbearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC’s general deposit insurance rules.


	Free Checking Account

$99 minimum to open
No monthly account maintenance fee
First 50 checks FREE
Eligible for OOPS! Overdraft Privilege


	Regular Checking Account

$99 minimum to open
$475 minimum daily balance required to avoid account maintenance fee
$8 per month plus 20¢ per check for each debit over 15 debits if balance falls below $475
Eligible for OOPS! Overdraft Privilege


	Banclub Checking Account

$99 minimum to open
Monthly account maintenance fee can be $8, $9, or $10 depending on the level of insurance purchased
Other benefits include free checks, nationwide discount book, key ring protection, and many others.
Eligible for OOPS! Overdraft Privilege


	NOW Account

$1,500 minimum to open
$1,500 minimum daily balance to avoid account maintenance fee
$10 account maintenance fee plus 25¢ per debit for each debit during the statement cycle if $1,500 minimum is not maintained
Eligible for OOPS! Overdraft Privilege


	Super NOW Account

$2,500 minimum to open
$2,500 minimum daily balance to avoid account maintenance fee
$15 account maintenance fee plus 25¢ per debit for each debit during the statement cycle if the balance falls below $2,500
Eligible for OOPS! Overdraft Privilege


	Money Market Checking Account

$2,500 minimum to open
$2,500 minimum daily balance to avoid account maintenance fee
$15 account maintenance fee if balance falls below $2,500
Only six withdrawals allowed per statement cycle. No more than three by check. A $5 fee will be assessed for each debit after six


	Savings Account

$500 minimum to open
$200 minimum daily balance to avoid account maintenance fee
$5 account maintenance fee if balance falls below $200
Only six withdrawals allowed per statement cycle. Three may be by debit/ATM card. A $1 charge will be assessed for each debit over three