My e-Statements | Manage incoming and outgoing cash via online or traditional tools with no monthly fee. Use our mortgage calculators to help you make the right decision. With mobile and web apps, Citizens National Bank makes mobile banking convenient, even on the go. Click the link below if you wish to order checks for yourself. NMLS Registry Information for Citizens National Bank of Texas, Bank locations in Burleson, Cedar Hill, Ennis, Italy, Midlothian, Red Oak, Waxahachie, Stephenville and Weatherford, Texas, Phone: 972-938-4300Mailing Address: PO Box 717, Waxahachie, TX 75168, Bank locations in Burleson, Cedar Hill, Ennis, Italy, Midlothian, Red Oak and Waxahachie, Texas, Copyright 2009 - 2016 Citizens National Bank of Texas, NMLS Registry Information for Citizens National Bank of Texas. This partnership with Texas Citizens Bank, by moving us a little farther down I-10 into the Houston market, is an opportunity for us to accelerate our transition into a regional institution, said Jude Melville, president and CEO of Business First. Average Retirement Savings: How Do You Compare? Personal guidance on your account. Knowing how much money is available in your account is critical to avoiding overdraft situations. What to Expect All forward-looking statements, expressed or implied, included in this press release are expressly qualified in their entirety by the cautionary statements contained or referred to herein. Brownwood, Texas 76804. Allowing you to manage your accounts on the go. The FDICestimatedthe cost to the Deposit Insurance Fund at about $13 billion; by comparison, SVB's failure resulted in a $20 billion hit. Texas Citizens Bank, which was founded in 2006, is headquartered and has six branches in the Houston area. CITIZENS NATIONAL BANK OF CROSBYTON HEAD OFFICE Branch Name:Head Office Service Type:Full Service Office State & County:Texas - Crosby City or Town:Crosbyton Zip Code:79322 Phone Number: Office Address:202 West Main Street, Crosbyton, TX 79322 Edit BRANCH LOCATION 202 W Main St, Crosbyton, TX 79322 Get Driving Directions OFFICE DETAILS NOTICE: Each depositor is insured in the amount of $250,000.00 for each account ownership. Choosing the right account for you is simple with Citizens. Whatever your goals are, we can help you find ways to live in the moment and still save for tomorrow. The negative collected balance rate is Prime plus 4. You can find this information online, but you could also call a representative. Information about Business Firsts directors and executive officers is available in its proxy statement for its 2021 annual meeting of shareholders, which was filed with the SEC on April 15, 2021. Free standard single checks, just pay $8 shipping. Managing your checking accounts doesnt have to be complicated. Citizens National Bank, as your lending headquarters, has you covered. $4.00 discount on all other available styles. Get extra time to cover overdrafts2 with Citizens Peace of MindTM 3, Reduced fees for Non-Citizens ATM usage4, Money Orders and Paper Statement, Unlimited ATM transactions at other banks ATMs with no fee from us4, Plus no fees for personal style checks, stop payments, money orders, bank checks, wire transfers, foreign currency exchange and more, No overdraft fee charged on a first occurrence each year with Citizens Fee Relief, plus get an extra day to cover future overdraft charges with Citizens Peace of MindTM 3, All the same benefits as Citizens Quest Checking plus up to $10 in non-Citizens ATM fee refunds per statement cycle, We'll waive the monthly fee when you make one deposit each statement period. One-Time Checkup with a Financial Advisor. Our next group of cards to be reissued will be those expiring in May 2023. Under Monday's deal with JPMorgan, the funds will be returned to the firms, TD Cowen analyst Jaret Seiberg said. Click Here for a downloadable business account application. Online Banking Citizens Bank Online Banking Online banking makes handling your everyday banking needs easier than ever. You can manage all of your banking from anywhere you have internet access. 1If you are a Citizens Personal Checking, Savings or Money Market account customer that has set up a direct deposit with a payor, you may be able to get that direct deposit up to two days early with Citizens Paid Early. Since 1985 Citizens National Bank has been helping our customers buy, build, or refinance their homes. The failure of First Republic Bank shows how deregulation has made the too big to fail problem even worse. Helping make your business financially successful. My e-Statements | All of your most precious belongings - paperwork, jewelry, stock certificates, loan documents, and more - are secured inside our bank vault. Commercial banking services include commercial loans and letters of credit, working capital lines and equipment financing, and treasury management services. Or mail your completed application to: Card Service Center. P.O. PO Box 569120. As of September 30, 2021, TCBI had $516.9 million in total assets, $365.7 million in total loans, $452.0 million in total deposits and $34.6 million in shareholders equity. Texas Citizens Bancorp, Inc. is a bank holding company and the parent company of Texas Citizens Bank, a national banking association that offers a full range of banking products and services from six full-service branch locations located in the Houston, Texas market area. It is also the 2,900 th largest bank in the nation. When a component rating is unavailable, the overall rating is calculated as an average of the remaining available ratings. Year = ' '+yyyy; Texas Citizens Banks Chairman and CEO Duncan Stewart will join b1BANK and will serve as chairman, Houston region, leading business development efforts. A discussion with a Citizens Banker who will work with you to ensure you are made ready to address all of your financial priorities. var yyyy = Year.getFullYear(); Learn how to manage overdrafts and avoid fees by viewing ourOverdraft Choices. Member FDIC (NMLS ID# 433960). Citizens Peace of Mind gives you additional time to fund your account and reverse overdraft fees. Locations, Customer Privacy Policy Under the terms of the merger agreement, which has been unanimously approved by the board of each company, Texas Citizens shareholders will receive 0.7038 shares of Business First stock for each share of Texas Citizens common stock (with cash paid in lieu of fractional shares), or approximately 2.1 million shares of Business Firsts common stock. Citizens National Bank's CD rates are fair as compared against the national average. Get more answers in our Full FAQs section. We do not manage client funds or hold custody of assets, we help users connect with relevant financial advisors. The overall rating is a weighted average of rates, fees, service quality and financial health.Read more. ICE Limitations. Citizens National Bank | Personal & Business Banking Building rewarding relationships. Samsung Pay Now Available! The existence of a fiduciary duty does not prevent the rise of potential conflicts of interest. A total of 1 votes cast and no one has reviewed the branch yet. Get more answers in our Full FAQs section. First Republic has $229 billion in assets, making it the second-biggest bank to collapse in U.S. history after the 2008 failure of Washington Mutual, which at the time had roughly $307 billion and also was sold to JPMorgan. Baton Rouge, La. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. "This acquisition modestly benefits our company overall, it is accretive to shareholders, it helps further advance our wealth strategy and it is complementary to our existing franchise," he said, noting that 800 JPMorgan employees worked around the clock to complete the transaction. SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. Securities and Exchange Commission as an investment adviser. Citizens Financial Group, Inc. All rights reserved. Updated on: May 1, 2023 / 7:48 PM To remain on this site, click 'cancel' below. Citizens National Bank's one-year CD earns at a rate of 0.70%, while its highest-yielding money market account earns at an APY of 0.10%. Choose your banking center: Call today: 903-984-8671 For your convenience Mobile Banking Manage your finances anywhere you go. How do I set up direct deposit and what kind of information is required? The definitive Proxy Statement-Prospectus will be provided to the shareholders of Texas Citizens as required by applicable law. Manage Accounts: With online banking, you can check your balance and account activity, search your payment history, place stop payment requests and more. Citizens National Bank receives an exceptional consumer satisfaction score based on comparatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency. Brownwood, Texas 76804, 401 W Commerce St,. Congress needs to make major reforms to fix a broken banking system. CNB of Texas business bankers' first responsibility is to listen to your needs. More complex businesses benefit from this accounts low $12 monthly fee because it applies an earnings credit to your average collected balance less reserve requirements to offset any per item fees. You will need to provide the following: Click here for more information on direct deposit. Citizens National Bank unfortunately does not reimburse out-of-network ATM charges, meaning you will be required to locate a Citizens National Bank ATM or accept the cost of withdrawal. My e-Statements | Free copies of the Proxy Statement-Prospectus, as well as other filings containing information about Business First, may be obtained at the SECs Internet site (www.sec.gov), when they are filed by Business First. There is no transfer fee on any day in which all transfer are $5 or less- $5 Overdraft Pass. Citizens gives you tools that make it easy, such as Online and Mobile Banking, and account alerts. Enter an address, zip code, or city and state to begin your search. . Home Personal Banking Loan Options Loan Options Life's larger expenses happen. 2023 Citizens National Bank of Texas Equal Housing Lender Member FDIC. Visa is a registered trademark of Visa International Service Association. National Banks, member of the Federal Reserve Systems (FRS) Primary Federal Regulator Comptroller of the Currency Secondary Federal Regulator CFPB Main Office Address 1 Citizens Plz Providence, RI 02903 Primary Website www.citizensbank.com Locations 1,145 domestic locations: 16 states and 0 territories. Write VOID in large letters in ink across the check, covering most lines so that nothing else can be written in on the check. Federal officials from the FDIC, Treasury Department and Federal Reserve held private talks with other banks on Friday hoping to find a bailout plan for First Republic, Reutersreported, but no private rescue materialized. Compare Our Personal Checking Accounts | Citizens National Bank | Texas | Round Rock, Cedar Park, Pflugerville, Taylor Compare Our Accounts Best For Account Features Monthly Account Maintenance Fee Free Online & Mobile Banking Access Free Debit Card Minimum Opening Deposit Simplified Checking Regular Checking Open Account Learn More Were open for business online 24/7. Following the completed transaction, For additional information regarding the transaction, an Investor Presentation has been filed with the Security and Exchange Commission (SEC) and may be accessed, at no charge, on the SECs website at, Business First Bancshares, Inc., (Nasdaq: BFST) through its banking subsidiary b1BANK, has $4.4 billion in assets, $4.7 billion in assets under management through b1BANKs affiliate Smith Shellnut Wilson, LLC (SSW) (excludes $1.0 billion of b1BANK assets managed by SSW) and operates Banking Centers and Loan Production Offices in markets across Louisiana and the Dallas, Texas area, providing commercial and personal banking products and services. 6 months of Business Suite, including ATM advertising and. If your account is overdrawn, you have up until 10:00 PM ET the following business day (e.g., if your account is overdrawn at the end of the day Monday, you have until 10:00 PM ET Tuesday) to deposit enough funds to cover all of the overdraft items (minus the fees), and any additional transactions that post to the account that day. Additional Information and Where to Find It. There is no fee for Savings Overdraft Transfer Plan. Round Rock Map ATM. The first step is to ask your employer for a direct deposit form or Citizens provides a pre-filled form through Online Banking under Account Details. Locations. Commercial banking services include commercial loans and letters of credit, working capital lines and equipment financing, and treasury management services. **Paper items over the accounts free limit are $0.25 each. Citizens National Bank at Brownwood Brownwood branch operates as a full service brick and mortar office. Locations, 972-938-4300 Citizens Peace of Mind is available on personal checking accounts and does not apply to Overdraft Line of Credit Transfer Fees. Without the deal, the FDIC would have needed to assume all of First Republic's debt. Please note that we are continuing to take extra precautions to protect the health of our customers and employees. Give us a call today to speak with a live Customer Service Representative. We understand that it can be hard to know where to start when it comes to your finances. Contact Us For lobby hours, drive-up hours and online banking services please visit the official website of the bank at www.cnb-brownwood.com. U.S. Treasury officials said Monday they're encouraged that the First Republic seizure happened "with the least cost to the Deposit Insurance Fund.". All loans are subject to approval. $4.00 discount on all other available styles. Locations in Burleson, Cedar Hill . www.cnboftexas.com, Login to My Account | Rates and rewards are variable and may change after account is opened. E-statements are a secure and easy way to access your statements online. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. Learn More Contact Us Email or call a Citizens Bank representative today! But a deposit of cash, a Citizens check, or an electronic funds transfer will generally be available to cover the transactions. Supporting documents vary depending on the type of business you have. 3Citizens Peace of Mind: Citizens Peace of Mind provides additional time to bring your account to a positive available balance and reverse Overdraft Fees. With online Banking and online Bill Pay, we blend the latest in banking technology with personalized service. Unsure of which way to go? Locations. No reviews about the branch yet. Balance Fee. $499.99 or below $10.00, $500.00 $999.99 $9.00. All Rights Reserved. When determining the amount you need to deposit to take advantage of Citizens Peace of Mind, you can check your balance in the Citizens mobile app or Online Banking and then consider transactions that may post to your account that day - such as checks or other debits. Stop by a branch or call a CNB representative at 1 (865) 429-7521 to discuss our CNB Business Checking Account options, which only require $100 to open. Additionally, it has an overdraft fee of $27.50, which is markedly less than the average U.S. overdraft fee. Following the completion of the transaction, former Texas Citizens shareholders will own approximately 9.7 percent of the combined company. By signing up for e-statements, you will be able to get your statements sooner and securely view, print and download your statements. Email the Bank. var Year = new Date(); Still have questions? When we return a check or ACH transaction unpaid because your account had insufficient funds, we will not charge you a fee. Website Privacy Policy | Terms of Use | . JPMorgan will gain $92 billion more in customer deposits and also absorb $173 billion in outstanding First Republic loans. Both of our companies are focused on serving similar clienteles in similar ways, in particular small businesses, and we anticipate a relatively seamless integration of operational systems and, more importantly, cultural approaches. Legal Statement. Check out our competitive rates and variety of products tailored to fit your individual financial needs. Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view. Hoping to stem the panic, 11 of the nation's largest financial institutions in mid-Marchgave First Republic $30 billionin deposits, but the effort failed to assuage concerns about the bank's viability. Citizens National Bank has 11 physical branches across the U.S. Save more with these rates that beat the National Average. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk. Citizens National Bank has generally extremely low fees compared to the average U.S. bank. Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view. This is not an offer to buy or sell any security or interest. You are about to follow a link to [Link]. Example: 301 E. Main Street Kilgore TX 75662. Copyright 2023 CBS Interactive Inc. All rights reserved. Its free, and theres nothing you need to do to enroll! It's safe, secure and easy. document.write(Year); It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. We continue to provide "hometown" banking with big bank services. Tutorial Videos Apple Android Business Online Banking & Bill Pay Copies of the Proxy Statement-Prospectus can also be obtained, when it becomes available, free of charge, by directing a request to Business First Bancshares, Inc., 500 Laurel Street, Suite 101, Baton Rouge, LA 70801, Attention: Corporate Secretary, Telephone: 225-248-7600 or to Texas Citizens Bancorp, Inc., 4949 Fairmont Parkway, Pasadena, TX 77505, Attention: Chairman and Chief Executive Officer, Telephone: 713.948.5727. Business First, Texas Citizens and certain of their directors, executive officers and employees may be deemed to be participants in the solicitation of proxies from the shareholders of Texas Citizens in connection with the Proposed Transaction. b1BANK will NEVER contact a customer by phone or email and ask for passwords, account numbers, or personal information. Citizens National Bank at Brownwood Brownwood branch operates as a full service brick and mortar office. Silicon Valley Bank had roughly $209 billion when it was seized by California regulators. Before that collapse, the largest loss for the DIF was$10.7 billion in 2008 to resolve the loss for subprime lender IndyMac. The significant efforts of our team toward strengthening our institution have resulted in the OCC recently lifting the Formal Agreement. Brownwood office is located at 401 West Commerce, Brownwood. Online Bill Pay and Transfer: At your convenience, pay bills and make transfers online from your home, office or wherever you connect. Whenever you are ready, CNB is here for you. We make the process simple and easy! Balance Fee, Excessive withdrawal fee (more than 40 debits per monthly statement cycle) of $0.15 per item. Second-biggest bank failure in U.S. history. Brownwood, Texas 76801. Relationship Banker providing personalized service to commercial and large consumer relationships including commercial real . Business Lending | Citizens National Bank of Texas Lending You need a bank that not only lends dollars, you need one that lends an ear. 6At least one account holder must be under 25 years old. 2711 E. Texas St. Bossier City, La 71111 The transaction is expected to close during the first quarter of 2022. 325-643-3545 . b1BANK was awarded #1 Best-In-State Bank, Louisiana, by Forbes and Statista, and is a three-time recipient of, Commercial Construction and Real Estate Lending, First Class Mortgages, Credit, and Lending, Community Development & Economic Sustainability. Stephens Inc. acted as financial advisor to Business First, and Fenimore Kay Harrison LLP acted as legal advisor to Business First. The merger agreement contains customary representations, warranties and covenants by Texas Citizens and Business First and is subject to customary closing conditions, including approval by Texas Citizens shareholders and the receipt of customary regulatory approvals. For lobby hours, drive-up hours and online banking services please visit the official website of . Site Security | 4Non-Citizens ATM owners may charge a fee. 9No Overdraft Fee will be charged on any overdraft item of $5 or less, including ATM and debit card overdrafts if you are enrolled in Debit Card Overdraft Coverage, or when your account is overdrawn and the total overdrawn amount at the end of the same business day is $5 or less. Check out our account offerings below. Account will switch to One Deposit Checking from Citizens when all account owners are age 25 or older. JPMorgan CEO Jamie Dimon said the locations will be converted into JPMorgan wealth management centers over the next 18 months. Citizens National Bank does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. I have been a customer of Citizen's National Bank Pflugerville Branch since 2006 and my experience with CNB has been above and beyond. So, we added Citizens Peace of Mind3 to your checking account to help you avoid the costs of unexpected overdrafts. We're open for business online 24/7. Have peace of mind that your irreplaceable items are safe and sound. Click Here for a downloadable personal account application. The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. Free standard single checks. My e-Statements | Whether a direct deposit is eligible for Paid Early is at our discretion and we cannot guarantee that you will always receive the Paid Early service. Login to My Account| My e-Statements| Contact Us| Locations 972-938-4300 Every business, including yours, deserves a financial partner who understands its business checking needs. Citizens National Bank ranks as a small bank with assets totaling $402 million and deposits totaling $357 million. Dimon also said buying First Republic's assets will help stabilize the U.S. banking system, which has been rocked in recent weeks by the sudden collapse inMarch of Silicon Valley Bank (SVB) and Signature Bank. You can always call 1-866-690-BANK (2265) to access your account information or any of our locations listed below for assistance. For example, we typically do not pay overdrafts if your account is not in good standing or if the overdraft amount is excessive. JPMorgan will make a "modest" one-time $2.6 billion gain by acquiring First Republic but will also spend another $2 billion restructuring the regional bank, he added. Click herefor more information on routing numbers. At the end of the fourth quarter of 2022, theDIF had $128 billion in reserve. Readers are cautioned not to place undue reliance on the forward-looking statements contained in this press release because actual results could differ materially from those indicated in such forward-looking statements due to a variety of factors. "A poorly supervised bank was snapped up by an even bigger bank ultimately taxpayers will be on the hook. Copyright 2021b1BANK. Have More Questions? Citizens National Bank is a brick-and-mortar bank, with 11 total branches in Texas. Loan Options - Citizens National Bank When you need us, we can help Let us help you take advantage of opportunities with loans tailored to your needs. Contact us at 972-938-4300. Contact Us Brownwood office is located at 401 West Commerce, Brownwood. Other relevant risk factors may be detailed from time to time in Business Firsts press releases and filings with the Securities and Exchange Commission (SEC). Regulators seized control of First Republic Bank on Monday and accepted a bid from JPMorgan Chase for virtually all of the lender's assets. 110 S. Mays St. Mr. Hingle has 39 years of banking experience and has spent the last 12 with b1BANK, during which he has served in various capacities, including market president, regional president and chief credit officer. 325-646-5151. For example, some deposits types such as checks drawn on a bank other than Citizens, even if made by 10:00 PM ET the next business day, are not available to cover transactions that day. A Citizens National Bank of Texas Loan Officer will follow up to answer your questions. The fund is mostly financed through fees paid by the nation's banks. Free digital banking services, including: Free mobile app and mobile check deposits, No monthly service charge on daily balances over $600.00, $199.99 or below $10.00, $400 $599.99 $6.00, Free standard single checks. Our goal is to provide the highest level of service at competitive rates. For additional information regarding the transaction, an Investor Presentation has been filed with the Security and Exchange Commission (SEC) and may be accessed, at no charge, on the SECs website at www.sec.gov and at BFSTs website at www.b1BANK.com. Citizens National Bank's Texas Ratio is 0.00%, suggesting that the bank is in terrific financial health and unlikely to fail. First Republic has $229 billion in assets, making it the second-biggest bank to collapse in U.S. history after the 2008 failure of Washington Mutual . For more extensive options, visit CNB's Cash Management Services. You can always call 1-866-690-BANK (2265) to access your account information or any of our locations listed below for assistance. You can also contact the bank by calling the branch phone number at 325-646-5151. Credit approval is required. As a customer of Citizens National Bank, you can be confident that your banking experience will be everything that you expect from the best. Citizens National Bank of Texas - Since 1868 Business Online Banking Mobile Banking Locations About Us Apple Pay Now Available! Following the completed transaction, the combined institution is expected to have total consolidated assets of approximately $4.9 billion. Bankers will assess and develop a customized approach to your needs, Help you start or modify your financial journey, Appointments are available in branch or by phone. We offer Conventional, FHA, VA, Rural Development and Jumbo loans. Contact Us Now Personal Lending Get in touch with our friendly loan professionals and find a loan that's right for you. Working with an adviser may come with potential downsides such as payment of fees (which will reduce returns). A new feature that lets you get paid soonerup to 2 days early1. The $12 transfer fee per day for Overdraft Line of Credit Plan is waived for Student Checking, Citizens EverValue Checking, Citizens Quest Checking, and Citizens Private Client Checking. No checks? View our Holiday Schedule. Rates and APYs accurate as of March 23, 2023. Any forward-looking statement speaks only as of the date of this press release, and neither Business First nor Texas Citizens undertake any obligation, and each specifically declines any obligation, to revise or update these forward-looking statements, whether as a result of new information, future developments or otherwise. SmartAssets services are limited to referring users to third party advisers registered or chartered as fiduciaries ("Adviser(s)") with a regulatory body in the United States that have elected to participate in our matching platform based on information gathered from users through our online questionnaire.
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