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

Money Market & Savings


Savings Account


  • $200 minimum to open
  • $200 minimum daily balance to avoid account maintenance fee
  • $5 account maintenance fee if balance falls below $200
  • Per item fee of $1.00 per excessive transaction*
  • Savings Calculator
Transfers from these account types to another deposit account within the bank or to a third party by preauthorized transfer, automatic transfer, or telephone (including data transmission) transfer are limited to six per calendar month

Note: data transmission include but are not limited to internet initiated transfers and facsimile initiated transfers

*Per item fees will be charged for each withdrawal in excess of nine during a calendar quarter.

Money Market 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
  • Per item fee of $5.00 per excessive transaction*
Transfers from these account types to another deposit account within the bank or to a third party by preauthorized transfer, automatic transfer, or telephone (including data transmission) transfer are limited to six per calendar month

Note: data transmission include but are not limited to internet initiated transfers and facsimile initiated transfers

*Per item fees will be charged for each withdrawal in excess of three during a statement cycle
Paper money and change graphic





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














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                  Equal Housing Lender             Member FDIC


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