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Texas Citizens Bank Review

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


Texas Citizens Bank was founded in 2006 with headquarters located in Pasadena, Texas. It owns assets of $460 million and deposits totaling $379 million, ranking it as a medium-size bank. Texas Citizens Bank 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 in-person service, in addition to its online and mobile offerings. We gave Texas Citizens Bank a 4.3 stars out of 5, suggesting it is a great bank that you should seriously consider. Texas Citizens Bank provides customers with a complete array of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. Texas Citizens Bank has a fair savings rate; you can find higher rates with other banks. If you're interested in stress-free personal checking, Texas Citizens Bank's standard checking account does not have a monthly fee. Finding a bank with free checking as well as a high savings APY is your best bet for gaining the most income on your deposits alongside easy access to your funds.

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

Texas Citizens Bank has a savings rate of 0.10%, which is poor compared to the average U.S. bank. Its one-year CD has a rate of 1.50%, while its highest-yielding money market account has an APY of 0.75%. Given Texas Citizens Bank's noncompetitive savings rate, you should think about choosing another bank to earn more on your deposits.

How Texas Citizens Bank's Savings Rates Compare

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

Texas Citizens Bank charges customers extremely low fees as compared against the national average. Its checking account has no monthly fee, making it excellent for anyone looking for a hassle-free account. Texas Citizens Bank unfortunately doesn't reimburse out-of-network ATM fees, which means you will have to locate a Texas Citizens Bank ATM or eat the cost of withdrawal.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Texas Citizens Bank is a brick-and-mortar bank, with six total bank locations in Texas. It also offers access to mobile and web apps for easy access and banking on the go. Texas Citizens Bank receives moderately satisfactory scores from users for its mobile banking services. The Texas Citizens Bank mobile app rates a 4.4 out of 5 (with 45 ratings on iOS and Android) compared to the national average of 3.8. Texas Citizens Bank's mobile app lets you manage your funds by monitoring account balances, transferring money and accessing customer service. Texas Citizens Bank receives an outstanding consumer satisfaction rating due to comparatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 4.4/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Texas Citizens Bank is currently a medium-size bank with $460 million in assets as well as $379 million in deposits. Its Texas Ratio is 13.01%, indicating that Texas Citizens Bank is in good financial well-being and far from failure. Additionally, Texas Citizens Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

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 Texas Citizens Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $100
Checking Account 0.1% APY $1500
Certificates of Deposit
  • 12 Month: 1.50% APY
  • 24 Month: 2.10% APY
  • 36 Month: 2.27% APY
$1000 for all terms
Money Market Account 0.5% APY $2500

Texas Citizens Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Texas Citizens Bank does not have the best savings rate, which means you should think about 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. Texas Citizens Bank's CD rates are fair in comparison to other U.S. banks.

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Find a Texas Citizens Bank Near Me

Texas Citizens Bank has six physical locations across the U.S.

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