Citizens 1st Bank

Since 1920, East Texas' Leading Home Lender - 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.

Important Disclosure Regarding Deposit Insurance of Noninterest-bearing Transaction Accounts.


	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
Transfers from a Money Market Checking account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle.
A per item fee of $5.00 will be charged for each transaction outside the bank in excess of three during a statement cycle.


	Savings Account

$500 minimum to open
$200 minimum daily balance to avoid account maintenance fee
$5 account maintenance fee if balance falls below $200
Transfers from a Savings account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per statement cycle.
A per item fee of $1.00 will be charged for each debit transaction (withdrawal, automatic transfer, or payment out of this account) in excess of three during a calendar month.