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Citizens 1st Bank will NEVER request personal or account information from our customers via email

Checking Accounts


Banclub Checking

BanClub Brochure

  • $99 minimum to open
  • Monthly account maintenance fee can be $8, $9, or $10 - Depending on the level of insurance purchased*
  • Eligible for OOPS! Overdraft Privilege

  • Other benefits include:

      - Personalized Checks
      - Unlimited Checking
      - Cashier's Checks at No Issue Charge
      - Discount on Safe Deposit Box ($7.50 annually)
      - Bank-by-Mail
      - Direct Deposit of Social Security, Retirement and     Payroll Checks
      - Automatic Savings
      - Notary Service at No Charge
      - Accidental Death and Dismemberment Insurance*
      - Payment Card Protection
      - Key Ring Protection
      - And More!

    *Contact nearest branch for details

    *There is investment risk associated with insurance products, including the possible loss of value

    *Insurance Disclosure: The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by the financial institution or an affiliate, and not insured by any agency of the U.S.

Free Checking



Regular Checking


  • $99 minimum to open
  • $475 minimum daily balance
  • If daily balance falls below $475, the following fees will be imposed:
         - $8 per month
         - 20¢ for each debit transaction over 15 debit transactions
  • Eligible for OOPS! Overdraft Privilege

NOW Account


  • $1,500 minimum to open
  • $1,500 minimum daily balance
  • If daily balance falls below $1,500, the following fees will be imposed:
         - $10 per month
         - 25¢ for each debit transaction
  • Eligible for OOPS! Overdraft Privilege

    *Contact nearest branch for details


















Super NOW Account


  • $2,500 minimum to open
  • $2,500 minimum daily balance
  • If daily balance falls below $2,500, the following fees will be imposed:
         - $15 per month
         - 25¢ for each debit transaction
  • Eligible for OOPS! Overdraft Privilege

    *Contact nearest branch for details





About Us

Locally Owned and Operated Since 1920

We have branches located in Tyler, Nacogdoches, Rusk and Jacksonville to serve you. We have been a Bauer 5-star Rated Institution for over 130 consecutive quarters.



Local Decisions
Knowledgeable Staff
Mobile Deposit
Mobile App
Our institution is rated 5-stars by Bauer                                                                                            














                  Equal Housing Lender             Member FDIC


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