The Citizens National Bank SmartBlue Savings Account could be worthwhile if you are searching for a savings account that doesn't charge monthly service fees. It pays a lower interest rate than the average savings account, though. You'll also need at least $100 in your account to earn interest.

The Citizens National Bank ClassicBlue Checking Account makes it easy to avoid ATM fees. You won't be charged by Citizens National Bank if you use an out-of-network ATM, and you'll be refunded up to $10 per month in out-of-network ATM fees. Anyone under the age of 25 or over the age of 62 won't have to deal with monthly service fees — the fee is automatically waived. If you are in between those ages, you'll have to determine if you can meet one of the following requirements: Make 10 debit card transactions per month, receive $100 in direct deposits per month, or maintain a daily account balance of $500 or more.

Citizens National Bank CDs require a hefty minimum opening deposit of $2,500 — usually, banks let you open a CD with $1,000. You'll have to contact your nearest Citizens National Bank branch to find out which terms are available, since your options may vary depending on where you live.

You'll find the best money market accounts with lower minimum openings and higher interest rates at other banks. The Citizens National Bank SmartBlue Savings Account will also be a better option if you'd prefer to avoid monthly service fees.

which is poor in comparison to the national average. Citizens National Bank's one-year CD earns at a rate of 1.55%, while its highest-yielding money market account earns at an APY of 2.00%. Given Citizens National Bank's noncompetitive savings rate, you should consider choosing another bank to earn more on your deposits.

Additionally, it has an overdraft fee of $32, which is markedly less than the average U.S. overdraft fee. 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.

with 11 total branches in Texas. With mobile and web apps, Citizens National Bank makes mobile banking convenient, even on the go. Citizens National Bank's mobile app allows you to manage your accounts by reviewing current statements, sending and receiving money as well as reaching support representatives. 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.

with assets totaling $606.1 million and deposits totaling $545.4 million. Citizens National Bank's Texas Ratio is 1.54%, suggesting that the bank is in terrific financial health and unlikely to fail. Additionally, Citizens National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

that I could not be prouder of my banking relationship with CNB of Texas. Alonzo is our banker there. Alonzo always greets us with a smile and with the utmost professionalism. He strives to give us the highest level of professional banking while at the same time giving us a "small town" feel to our banking experience. Alonzo calls you by name and makes you feel very valued as a CNB of Texas customer. He is never too busy to make a connection and ensure that all of our banking needs are being met. We are thankful that we our part of the CNB of Texas Family as we trust that they always have our best interests at heart and regularly give us sound advice. We have both personal and business accounts at CNB of Texas, and we feel extremely well taken care of with those accounts. Great job Alonzo and the CNB of Texas Family!!! Thank you for being the very best resource for all of our banking needs!!!!! We are customers for life!!!!!!

knowledgeable personnel provide great service. They have many locations. Just make sure you're at Citizens National Bank OF TEXAS. The "of Texas" part is extremely important. Otherwise, you've ended up at a completely different company.

They've always gone above and beyond to make me feel welcome and have quickly answered the phone when I call with no automated annoying system trying to answer my questions. I truly believe this is the best bank in Texas. Other banks I've been with consist of Frost Bank, Bank of America, Chase Bank, and Wells Fargo.

Love my hometown bank when I call about something I get a real person. Absolutely love my bank!

to leave a positive review for a bank?! That's exactly what I would have thought before I experienced the kindness, patience and genuine service I have received here for the last 3 years. When I moved to this small town they were welcoming and warm and the tellers even gave me recommendations on where to eat, fun things to do on weekends etc and every time since, my visits are more like visiting neighbors than banking. They really go above and beyond in all the little moments that add up!

and this was confirmed today when one of the bank employees noticed my daughter had a flat tire when she was in the drive through & came out to help her change it. It's caring employees that go the extra mile that make this a great bank.