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

Checking Accounts


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



Banclub Checking


  • $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.





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














   Click graphic for more info



                  Equal Housing Lender             Member FDIC


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