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Citizens National Bank Review

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Citizens National Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Founded in 1900, Citizens National Bank has assets totaling $402 million along with $357 million in deposits, ranking the institution as a small bank. Citizens National Bank, whose headquarters are in Cameron, Texas, lacks premium access to customer service, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. Overall, Citizens National Bank is a good bank that gets the job done, with a rating of 3.9 out of 5 stars from our team. Citizens National Bank offers a complete suite of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Citizens National Bank has a fair savings rate compared to the average savings account. Using a bank with no-fee checking as well as a high savings APY is the best option for gaining the most income on your deposits while maintaining convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.10%, Citizens National Bank ranks poorly in comparison to other U.S. banks. Its one-year CD has a rate of 0.70%, while its highest-yielding money market account earns at an APY of 0.10%. Given its noncompetitive savings rate, you should consider looking at the competition to open savings accounts.

How Citizens National Bank's Savings Rates Compare

Citizens National Bank Savings 0.10 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Citizens National Bank has generally extremely low fees in comparison to the national average. Additionally, at $27.50, Citizens National Bank has a markedly lower overdraft fee compared to the average overdraft fee charged by U.S. banks. Citizens National Bank doesn't reimburse out-of-network ATM fees, which means you will need to search for a Citizens National Bank ATM or pay the cost of withdrawal.

Monthly Fee N/A National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $27.50 National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Citizens National Bank is a brick-and-mortar bank, with 11 total bank locations in Texas. It also offers access to mobile and web apps for an easy mobile-banking experience. Citizens National Bank's mobile app allows you to manage your finances by monitoring account balances, sending and receiving money and accessing support representatives. Citizens National Bank receives an outstanding consumer satisfaction score based on comparatively few consumer complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Citizens National Bank ranks as a small bank with assets totaling $402 million and $357 million in deposits. Citizens National Bank has an excellent Texas Ratio of 0.00%, indicating a negligible likelihood of failure. Additionally, Citizens National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Citizens National Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $1
Checking Account 0.1% APY $1
Certificates of Deposit
  • 12 Month: 0.70% APY
  • 24 Month: 1.00% APY
  • 36 Month: 1.21% APY
$500 for all terms
Money Market Account 0.1% APY $2500

Citizens National Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. 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. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Citizens National Bank's CD rates are fair as compared against the national average.

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Find a Citizens National Bank Near Me

Citizens National Bank has 11 physical branches across the U.S.

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