Legal Statement. 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. $4 discount on all other available styles, 20% discount on safety deposit box rental, $1,000.00 minimum balance required to avoid a monthly service charge. National Banks, member of the Federal Reserve Systems (FRS) Primary Federal Regulator Comptroller of the Currency Secondary Federal Regulator CFPB Main Office Address 1 Citizens Plz Providence, RI 02903 Primary Website www.citizensbank.com Locations 1,145 domestic locations: 16 states and 0 territories. Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Bankers will assess and develop a customized approach to your needs, Help you start or modify your financial journey, Appointments are available in branch or by phone. Welcome to Citizens National Bank's Web Site. More complex businesses benefit from this accounts low $12 monthly fee because it applies an earnings credit to your average collected balance less reserve requirements to offset any per item fees. Simply call us at 1-800-922-9999, visit any Citizens branch, or use the Change of Address feature of Online Banking. #1 Carnegie St., Additionally, Citizens National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure. Login to My Account| My e-Statements| Contact Us| Locations 972-938-4300 Texas Citizens Bank, which was founded in 2006, is headquartered and has six branches in the Houston area. Citizens National Bank Brownwood, Texas Citizens National Bank: Ph: (325) 643-3545 eMail: Checking We offer a variety of Personal Checking and Business Checking Accounts to meet your needs LEARN MORE Savings We offer a variety of interest bearing Savings Accounts to meet your needs. . Manage Accounts: With online banking, you can check your balance and account activity, search your payment history, place stop payment requests and more. P.O. Member FDIC. FDIC officials then accepted a bid from JPMorgan "to assume all deposits, including all uninsured deposits, and substantially all assets of First Republic Bank," the DFPI said. All deposits are subject to our Funds Availability schedule. "A poorly supervised bank was snapped up by an even bigger bank ultimately taxpayers will be on the hook. Live Personal Bankers 325-646-5151. Contact Us Now Personal Lending Get in touch with our friendly loan professionals and find a loan that's right for you. Locations, 972-938-4300 2023 CBS Interactive Inc. All Rights Reserved. A poorly supervised bank was snapped up by an even bigger bankultimately taxpayers will be on the hook. Mr. Hingle has 39 years of banking experience and has spent the last 12 with b1BANK, during which he has served in various capacities, including market president, regional president and chief credit officer. First Republic Bank seized by regulators, then sold to JPMorgan Chase, First Republic teeters on collapse as FDIC circles troubled bank, Bill would require clawback of compensation from executives of failed banks, Fed calls SVB's failure a "textbook case of bank mismanagement". Citizens National Bank at Brownwood Brownwood branch has been rated 4.0 out of 5 stars. Following the completed transaction, the combined institution is expected to have total consolidated assets of approximately $4.9 billion. A Citizens National Bank of Texas Loan Officer will follow up to answer your questions. Citizens National Bank is a brick-and-mortar bank, with 11 total branches in Texas. Knowing how much money is available in your account is critical to avoiding overdraft situations. Email or call a Citizens Bank representative today! Citizens National Bank at Brownwood Brownwood branch is one of the 2 offices of the bank and has been serving the financial needs of their customers in Brownwood, Brown county, Texas for over 27 years. The transaction is expected to close during the first quarter of 2022. We're open for business online 24/7. We offer Conventional, FHA, VA, Rural Development and Jumbo loans. These factors, include, but are not limited to, the ability to obtain regulatory approvals and meet other closing conditions required to complete the Proposed Transaction, including necessary approvals by shareholders of Texas Citizens, on the expected terms and schedule, delay in closing the Proposed Transaction, difficulties and delays in integrating the Texas Citizens businesses or fully realizing cost savings from and other anticipated benefits of the Proposed Transaction, business disruption during and following the Proposed Transaction, changes in interest rates and capital markets, inflation, customer acceptance of the combined businesss products and services, and other risk factors. Copyright 2021b1BANK. Contact Us | As a customer of Citizens National Bank, you can be confident that your banking experience will be everything that you expect from the best. Regulators seized control of First Republic Bank on Monday and accepted a bid from JPMorgan Chase for virtually all of the lender's assets. The $30 Annual Fee on Overdraft Line of Credit is waived for Student Checking, Citizens EverValue Checking, Citizens Quest Checking, and Citizens Private Client Checking. Brownwood, Texas 76804, 401 W Commerce St,. Obtaining a checking account with no monthly fee as well as a savings account with a high interest rate at the same institution is your best option for accruing the most income from your deposits while having convenient access to your money. Submit your comment, review or complaint about Brownwood branch. You can find this information online, but you could also call a representative. Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view. The failure of First Republic Bank shows how deregulation has made the too big to fail problem even worse. LEARN MORE Loans Unfortunately, we are currently unable to find savings account that fit your criteria. Balance Fee. 4Non-Citizens ATM owners may charge a fee. When we return a check or ACH transaction unpaid because your account had insufficient funds, we will not charge you a fee. No automated bots, no call centers. SmartAsset does not review the ongoing performance of any Adviser, participate in the management of any users account by an Adviser or provide advice regarding specific investments. Mistakes happen we know; were people too! 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. We continue to provide "hometown" banking with big bank services. Click the link below if you wish to order checks for yourself. Terms of Use | Without the deal, the FDIC would have needed to assume all of First Republic's debt. Visa is a registered trademark of Visa International Service Association. 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 . Brownwood, Texas 76801. For information on our Funds Availability Policy, please visit citizensbank.com/overdraft or see your Personal Deposit Account Agreement. Click Here. Documents to submit with Citizens National Bank Personal and Auto Loan Application: (Both Borrower and Co-Borrower) . Play Video Raise Your Spending Limit With the New CNB App. There is no fee for Savings Overdraft Transfer Plan. Texas Citizens Bancorp, Inc. is a bank holding company and the parent company of Texas Citizens Bank, a national banking association that offers a full range of banking products and services from six full-service branch locations located in the Houston, Texas market area. Account will switch to One Deposit Checking from Citizens when all account owners are age 25 or older. My e-Statements | Working with an adviser may come with potential downsides such as payment of fees (which will reduce returns). Home Personal Banking Loan Options Loan Options Life's larger expenses happen. See Location Details. All forward-looking statements, expressed or implied, included in this press release are expressly qualified in their entirety by the cautionary statements contained or referred to herein. Congress needs to make major reforms to fix a broken banking system.". checking or savings account required to use Zelle. Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view. By signing up for e-statements, you will be able to get your statements sooner and securely view, print and download your statements. Click herefor more information on routing numbers. "This acquisition modestly benefits our company overall, it is accretive to shareholders, it helps further advance our wealth strategy and it is complementary to our existing franchise," he said, noting that 800 JPMorgan employees worked around the clock to complete the transaction. Citizens National Bank has a fair savings rate compared to the average savings account. 3Citizens Peace of Mind: Citizens Peace of Mind provides additional time to bring your account to a positive available balance and reverse Overdraft Fees. Make purchases safely and be on your way. Dimon dismissed concerns about JPMorgan's size, saying the U.S. needs big financial institutions as much as it needs small and regional lenders. 2711 E. Texas St. Bossier City, La 71111 Online Banking Citizens Bank Online Banking Online banking makes handling your everyday banking needs easier than ever. Oct 1997 - Present25 years 7 months. 5Citizens offers two overdraft plans- Savings Overdraft Transfer Plan and Overdraft Line of Credit. The definitive Proxy Statement-Prospectus will be provided to the shareholders of Texas Citizens as required by applicable law. As of September 30, 2021, TCBI had $516.9 million in total assets, $365.7 . Citizens is a brand name of Citizens Bank, N.A. Commercial banking services include commercial loans and letters of credit, working capital lines and equipment financing, and treasury management services. Get more answers in our Full FAQs section. Free standard single checks. Citizens National Bank is committed to the safety of our customers, employees, and communities. Locations. E-Statements are a secure and easy way to access your statements online. You will need to provide the following: Click here for more information on direct deposit. NMLS Registry Information for Citizens National Bank of Texas, Bank locations in Burleson, Cedar Hill, Ennis, Italy, Midlothian, Red Oak, Waxahachie, Stephenville and Weatherford, Texas, Phone: 972-938-4300Mailing Address: PO Box 717, Waxahachie, TX 75168, Bank locations in Burleson, Cedar Hill, Ennis, Italy, Midlothian, Red Oak and Waxahachie, Texas, Copyright 2009 - 2016 Citizens National Bank of Texas, NMLS Registry Information for Citizens National Bank of Texas. Free copies of these documents may be obtained as described in the preceding paragraph. 325-643-3545 . Check out our account offerings below. 9No Overdraft Fee will be charged on any overdraft item of $5 or less, including ATM and debit card overdrafts if you are enrolled in Debit Card Overdraft Coverage, or when your account is overdrawn and the total overdrawn amount at the end of the same business day is $5 or less. Brownwood, Texas 76804. This nine-digit number is found on the bottom left of your checks. For more information on the reissue please. Citizens National Bank features a savings rate of 0.10%, which is poor in comparison to the national average. Manage incoming and outgoing cash via online or traditional tools with no monthly fee. Established in 1900, Citizens National Bank has assets totaling $402 million as well as deposits totaling $357 million, which makes the institution a small bank. 1If you are a Citizens Personal Checking, Savings or Money Market account customer that has set up a direct deposit with a payor, you may be able to get that direct deposit up to two days early with Citizens Paid Early. We believe that our partnership with b1BANK will further strengthen the bank by enhancing our customer experience and our long-term contributions to the local community. President Mike Cornett will also join the b1BANK team as vice chair, Houston. The government's move to assume control of First Republic came one week after it disclosed that customers hadwithdrawn more than $100 billionfollowing SVB's collapse. No offer of securities shall be made except by means of a prospectus meeting the requirements of the Securities Act of 1933, as amended, and no offer to sell or solicitation of an offer to buy shall be made in any jurisdiction in which such offer or solicitation would be unlawful. So, we added Citizens Peace of Mind3 to your checking account to help you avoid the costs of unexpected overdrafts. 1110 Clements Street, Brownwood, TX 76801, 3802 Highway 377 South, Brownwood, TX 76801, Citizens National Bank at Brownwood Brownwood, Citizens National Bank at Brownwood Brownwood branch, Farmers and Merchants Bank Brownwood - Early. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Citizens National Bank: Ph: (325) 643-3545 PERSONAL CHECKING ACCOUNT $200 minimum deposit to open Checks and debit cards Free digital banking services, including: Online banking and bill pay Free mobile app and mobile check deposits Free e-statements available No monthly service charge on daily balances over $600.00 MONTHLY FEE STRUCTURE Learn how to take control of your money and avoid overdrafts and fees. Login to My Account | Whenever you are ready, CNB is here for you. Allowing you to manage your accounts on the go. 7Wireless carrier, text and/or data charges may apply. Although the acquisition of First Republic's assets by another lender may shore up confidence in the banking system, analysts noted that JPMorgan is growing even larger as a result of the deal and is likely to attract the scrutiny of lawmakers. Its free, and theres nothing you need to do to enroll! 12128 Ranch Road 620 N. Austin, TX 78750. Now with Citizens Paid Early Texas Citizens Bank has been successful in serving Houston area owner-managed businesses since our inception, said Stewart. Contact Us | Member FDIC (NMLS ID# 433960). NOTE: If you have logged into the system from the same browser and have requested for this computer to remember you but are still seeing this screen, you should check your browsers security settings. To remain on this site, click 'cancel' below. Round Rock Map ATM. You can also contact the bank by calling the branch phone number at 325-646-5151. This account features an earnings credit to reduce or eliminate fees. Please change your search criteria and try again. When you have completed the application, click submit and your information will be reviewed. Free for all Citizens customers Bankers will assess and develop a customized approach to your needs Help you start or modify your financial journey Help you track for retirement and more Appointments are available in branch or by phone Make An Appointment Checking Account FAQs How do I open an account? A voided check. $4.00 discount on all other available styles. In connection with the Proposed Transaction, Business First will file with the SEC a registration statement on Form S-4 (the Registration Statement) that will include a proxy statement of Texas Citizens and a prospectus of Business First (the Proxy Statement-Prospectus), and Business First may file with the SEC other relevant documents concerning the Proposed Transaction. If the available balance, excluding the overdraft fees, is positive (greater than or equal to $0) at the end of the following business day, any overdraft fees will be reversed. Citizens is a brand name of Citizens Bank, N.A. "You need large, successful banks. What happens to First Republic Bank's stock and deposits now? Get browser notifications for breaking news, live events, and exclusive reporting. Locations, Customer Privacy Policy 401 W Commerce St,. Citizens National Bank of Texas. Get more answers in our Full FAQs section. We look forward to using our combined strength to benefit both existing and new clients throughout one of the countrys most potential-filled regions.. Not enrolled in Online Banking? Given Citizens National Bank's noncompetitive savings rate, you should consider choosing another bank to earn more on your deposits. Citizens National Bank | Personal & Business Banking Building rewarding relationships. Shareholders are urged to read the Registration Statement and the Proxy Statement-Prospectus regarding the Proposed Transaction carefully and in their entirety when they become available and any other relevant documents filed with the SEC by Business First, as well as any amendments or supplements to those documents, because they will contain important information about the Proposed Transaction. It's safe, secure and easy. Silicon Valley Bank had roughly $209 billion when it was seized by California regulators. JPMorgan will gain $92 billion more in customer deposits and also absorb $173 billion in outstanding First Republic loans. Control It was established in 1893 and as of December of 2022, it had grown to 28 employees at 2 locations.The Citizens National Bank of Hillsboro's CD rates are 68% higher than the national average, and it has a B health rating. Other relevant risk factors may be detailed from time to time in Business Firsts press releases and filings with the Securities and Exchange Commission (SEC). Contact Us | Still have questions? Managing your checking accounts doesnt have to be complicated. For more information on any of the accounts offered at Citizens National Bank, contact Brenda Vernon, Geanna Johnson, or Sierra Trevino in New Accounts, at 325-643-3545. Give us a call today to speak with a live Customer Service Representative. For lobby hours, drive-up hours and online banking services please visit the official website of . Choosing the right account for you is simple with Citizens. It can be found on the bottom of the check directly to the right of the routing number. You are about to follow a link to [Link]. Contact Us e-Statements: With online banking, you can choose paperless statements. You can always call 1-866-690-BANK (2265) to access your account information or any of our locations listed below for assistance. You can manage all of your banking from anywhere you have internet access. Citizens National Bank has 11 physical branches across the U.S. Save more with these rates that beat the National Average. Our bank routing number. Readers are cautioned not to place undue reliance on the forward-looking statements contained in this press release because actual results could differ materially from those indicated in such forward-looking statements due to a variety of factors. Compare Our Personal Checking Accounts | Citizens National Bank | Texas | Round Rock, Cedar Park, Pflugerville, Taylor Compare Our Accounts Best For Account Features Monthly Account Maintenance Fee Free Online & Mobile Banking Access Free Debit Card Minimum Opening Deposit Simplified Checking Regular Checking Open Account Learn More ICE Limitations. Or mail your completed application to: Card Service Center. You can also contact the bank by calling the branch phone number at 325-646-5151. | Locations, 972-938-4300 Since 1985 Citizens National Bank has been helping our customers buy, build, or refinance their homes. Powered and implemented by FactSet. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. Use yourcontactless debit card,Digital Wallet7,Zelle8or checks, Take control of overdrafts with Overdraft Choices, plus $5 Overdraft Pass9andCitizens Peace of MindTM 3. Email the Bank. For additional information regarding the transaction, an Investor Presentation has been filed with the Security and Exchange Commission (SEC) and may be accessed, at no charge, on the SECs website at www.sec.gov and at BFSTs website at www.b1BANK.com. When a component rating is unavailable, the overall rating is calculated as an average of the remaining available ratings. "We need large, successful banks in the largest and most prosperous economy in the world," he said. No checks? Statements in this press release may not be based on historical facts and may be forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. As of September 30, 2021, Business First had total assets of $4.4 billion, total loans of $3.1 billion, total deposits of $3.8 billion and total shareholders equity of $430.2 million, compared to Texas Citizens estimated $516.9 million in total assets, $365.7 million in total loans, $452.0 million in total deposits and $34.6 million in common shareholders equity. Second-biggest bank failure in U.S. history. Learn More Contact Us Email or call a Citizens Bank representative today! Your branch address. Khristopher J. Brooks is a reporter for CBS MoneyWatch covering business, consumer and financial stories that range from economic inequality and housing issues to bankruptcies and the business of sports. Citizens National Bank is a brick-and-mortar bank, with 11 total branches in Texas. This partnership with Texas Citizens Bank, by moving us a little farther down I-10 into the Houston market, is an opportunity for us to accelerate our transition into a regional institution, said Jude Melville, president and CEO of Business First. Site Map | Get paid up to 2 days early when you have direct deposit.1 No need to sign up and its absolutely free. SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. Securities and Exchange Commission as an investment adviser. With mobile and web apps, Citizens National Bank makes mobile banking convenient, even on the go. Stop by a branch or call a CNB representative at 1 (865) 429-7521 to discuss our CNB Business Checking Account options, which only require $100 to open. A new feature that lets you get paid soonerup to 2 days early1. . For example, we typically do not pay overdrafts if your account is not in good standing or if the overdraft amount is excessive. This new feature gives you earlier access to your cash, helps avoid the stress of overdrafts and provides a head start on paying bills. REPORT Lost or Stolen Cards. Citizens National Bank's CD rates are fair as compared against the national average. NOTICE: Each depositor is insured in the amount of $250,000.00 for each account ownership. Citizens National Bank - Walmart Branch. Hoping to stem the panic, 11 of the nation's largest financial institutions in mid-Marchgave First Republic $30 billionin deposits, but the effort failed to assuage concerns about the bank's viability. Every business, including yours, deserves a financial partner who understands its business checking needs. A deposit that only partially covers transactions or overdraft items will not result in a fee reversal. Box 1629, Whether a direct deposit is eligible for Paid Early is at our discretion and we cannot guarantee that you will always receive the Paid Early service. Site Security | Supporting documents vary depending on the type of business you have. With mobile and web apps, Citizens National Bank makes mobile banking convenient, even on the go. Your checking account number. b1BANK was awarded #1 Best-In-State Bank, Louisiana, by Forbes and Statista, and is a three-time recipient of, Commercial Construction and Real Estate Lending, First Class Mortgages, Credit, and Lending, Community Development & Economic Sustainability. The negative collected balance rate is Prime plus 4. www.cnboftexas.com, Login to My Account | $499.99 or below $10.00, $500.00 $999.99 $9.00. var yyyy = Year.getFullYear(); Citizens Peace of Mind gives you additional time to fund your account and reverse overdraft fees. We understand that it can be hard to know where to start when it comes to your finances. For more extensive options, visit CNBs Cash Management Services. 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. All Rights Reserved. For example, some deposits types such as checks drawn on a bank other than Citizens, even if made by 10:00 PM ET the next business day, are not available to cover transactions that day. Free digital banking services, including: Free mobile app and mobile check deposits, No monthly service charge on daily balances over $600.00, $199.99 or below $10.00, $400 $599.99 $6.00, Free standard single checks. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Citizens National Bank provides customers with a varied selection of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Loan Options - Citizens National Bank When you need us, we can help Let us help you take advantage of opportunities with loans tailored to your needs. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on all outstanding loan balances. My e-Statements | First Republic has 84 branches across eight states: California, Connecticut, Florida, Massachusetts, New York, Oregon, Washington and Wyoming. With a Citizens Checkup, our bankers and advisors can help you focus on whats important and map out a plan for your future. We make the process simple and easy! 6 months of Business Suite, including ATM advertising and. Our mortgage experts will work closely with you to help you decide on a mortgage that suits you best. All investing involves risk, including loss of principal. Free standard single checks, just pay $8 shipping. Business First Bancshares, Inc., (Nasdaq: BFST) through its banking subsidiary b1BANK, has $4.4 billion in assets, $4.7 billion in assets under management through b1BANKs affiliate Smith Shellnut Wilson, LLC (SSW) (excludes $1.0 billion of b1BANK assets managed by SSW) and operates Banking Centers and Loan Production Offices in markets across Louisiana and the Dallas, Texas area, providing commercial and personal banking products and services. Website Privacy Policy | Our next group of cards to be reissued will be those expiring in May 2023. Businesses, big and small, are the lifeblood of our communities. Under Monday's deal with JPMorgan, the funds will be returned to the firms, TD Cowen analyst Jaret Seiberg said. It is also the 2,900 th largest bank in the nation. It is the third financial institution taken under government control in the last two months following a series of lightning-fast bank runs that has shaken the confidence of financial industry customers and investors. "First Republic customers can bank as usual and feel confident that their deposits are backed by the strength and security of JPMorgan Chase," Jeremy Barnum, JPMorgan's chief financial officer, said during a news conference Monday. For more extensive options, visit CNB's Cash Management Services. Rates and APYs accurate as of March 23, 2023. b1BANK was awarded #1 Best-In-State Bank, Louisiana, by Forbes and Statista, and is a three-time recipient of Baton Rouge Business Reports Best Places to Work in Baton Rouge. Visit b1BANK.com for more information. You can manage all of your banking from anywhere you have internet access. Have More Questions? Choose your banking center: Call today: 903-984-8671 For your convenience Mobile Banking Manage your finances anywhere you go. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. CNB of Texas is a full service bank providing a hometown approach of listening to and meeting the needs if its customers. No problem you can find your routing number online. The FDICestimatedthe cost to the Deposit Insurance Fund at about $13 billion; by comparison, SVB's failure resulted in a $20 billion hit. Following the completion of the transaction, former Texas Citizens shareholders will own approximately 9.7 percent of the combined company. The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. www.cnboftexas.com, Login to My Account | Business Online Banking | Citizens National Bank | Texas | Round Rock, Cedar Park, Pflugerville, Taylor Business Online Banking Take branch visits off your busy schedule and manage company funds anywhere, anytime on nearly any device. PO Box 569120. Piper Sandler Companies acted as financial advisor to Texas Citizens, and Bracewell LLP acted as legal advisor to Texas Citizens. Tutorial Videos Apple Android Business Online Banking & Bill Pay The merger agreement contains customary representations, warranties and covenants by Texas Citizens and Business First and is subject to customary closing conditions, including approval by Texas Citizens shareholders and the receipt of customary regulatory approvals. Citizens corporate headquarters: One Citizens Plaza, Providence, RI 02903 . Citizens Peace of Mind is available on personal checking accounts and does not apply to Overdraft Line of Credit Transfer Fees. These forward-looking statements may be identified by reference to future period(s) or by the use of forward-looking terminology, such as anticipate, estimate, expect, foresee, may, might, will, would, could or intend, future or conditional verb tenses, and variations or negatives of such terms.

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