Please note that we are continuing to take extra precautions to protect the health of our customers and employees. 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. You will need to provide the following: Click here for more information on direct deposit. With a Citizens Checkup, our bankers and advisors can help you focus on whats important and map out a plan for your future. NOTICE: Each depositor is insured in the amount of $250,000.00 for each account ownership. When you have completed the application, click submit and your information will be reviewed. 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. 7Wireless carrier, text and/or data charges may apply. Copyright 2023 CBS Interactive Inc. All rights reserved. For example, we typically do not pay overdrafts if your account is not in good standing or if the overdraft amount is excessive. Box 1629, $4.00 discount on all other available styles. How do I update my name and address in your system? 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. We have experienced success diversifying our geographic exposure over the past few years. You can also contact the bank by calling the branch phone number at 325-646-5151. 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. Play Video Raise Your Spending Limit With the New CNB App. Choosing the right account for you is simple with Citizens. 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. Takeover talks continued all weekend in the hope a deal could be struck before U.S. stock markets opened Monday. We offer Conventional, FHA, VA, Rural Development and Jumbo loans. For lobby hours, drive-up hours and online banking services please visit the official website of . The significant efforts of our team toward strengthening our institution have resulted in the OCC recently lifting the Formal Agreement. This new feature gives you earlier access to your cash, helps avoid the stress of overdrafts and provides a head start on paying bills. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. Call: 1 (800) 264-4274. 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. You will also be able to obtain these documents, when they are filed, free of charge, from Business First at www.b1BANK.com. 2023 CBS Interactive Inc. All Rights Reserved. We look forward to using our combined strength to benefit both existing and new clients throughout one of the countrys most potential-filled regions.. Locations in Burleson, Cedar Hill . Samsung Pay Now Available! Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. Unsure of which way to go? Business First Bancshares, Inc. (Business First) (Nasdaq: BFST), the holding company for b1BANK, and Texas Citizens Bancorp, Inc. (Texas Citizens) today jointly announced the signing of a definitive agreement under which Business First will acquire Texas Citizens and its wholly owned bank subsidiary, Texas Citizens Bank, National Association. Knowing how much money is available in your account is critical to avoiding overdraft situations. 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. 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. No checks? CNB of Texas Mortgage is committed to helping you find the right mortgage product for you. Visa is a registered trademark of Visa International Service Association. 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 This schedule helps you determine when a deposit you make will increase your available balance. Additional Information and Where to Find It. Stephens Inc. acted as financial advisor to Business First, and Fenimore Kay Harrison LLP acted as legal advisor to Business First. Locations. Choose your banking center: Call today: 903-984-8671 For your convenience Mobile Banking Manage your finances anywhere you go. Citizens National Bank is a brick-and-mortar bank, with 11 total branches in Texas. Freeze Your Card With the New CNB App. 4Non-Citizens ATM owners may charge a fee. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. About Us | 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. $4.00 discount on all other available styles. First Republic has $229 billion in assets, making it the second-biggest bank to collapse in U.S. history after the 2008 failure of Washington Mutual, which at the time had roughly $307 billion and also was sold to JPMorgan. With online Banking and online Bill Pay, we blend the latest in banking technology with personalized service. Your checking account number. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. Come by and meet our friendly staff and discuss your banking needs. 5Citizens offers two overdraft plans- Savings Overdraft Transfer Plan and Overdraft Line of Credit. 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. Enter an address, zip code, or city and state to begin your search. / MoneyWatch. 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. As a customer of Citizens National Bank, you can be confident that your banking experience will be everything that you expect from the best. Mistakes happen we know; were people too! Brownwood, Texas 76804, 401 W Commerce St,. Contact us at 972-938-4300. Locations, Customer Privacy Policy checking or savings account required to use Zelle. Texas Citizens Bank, which was founded in 2006, is headquartered and has six branches in the Houston area. Our next group of cards to be reissued will be those expiring in May 2023. There are no guarantees that working with an adviser will yield positive returns. You can also contact the bank by calling the branch phone number at 325-646-5151. The failure of First Republic Bank shows how deregulation has made the too big to fail problem even worse. Visit us at over 1,000 branches and over 3,000 ATMs, many of which include our Citizens Virtual Assistant where you can speak with a live person. 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. 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. As of September 30, 2021, TCBI had $516.9 million in total assets, $365.7 million in total loans, $452.0 million in total deposits and $34.6 million in shareholders equity. Sign up for Rate Watch to have rates e-mailed to you. 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". Website Privacy Policy | 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. Brownwood, Texas 76801, 2023 Citizens National Bank at Brownwood | Sitemap, Due to requirements set by Visa, we will be reissuing all debit cards as they expire. 401 W Commerce St,. Check out our account offerings below. This nine-digit number is found on the bottom left of your checks. 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. Email or call a Citizens Bank representative today! b1BANK will NEVER contact a customer by phone or email and ask for passwords, account numbers, or personal information. At Citizens National Bank, you're anything but a number. No automated bots, no call centers. If your account is overdrawn, you have up until 10:00 PM ET the following business day (e.g., if your account is overdrawn at the end of the day Monday, you have until 10:00 PM ET Tuesday) to deposit enough funds to cover all of the overdraft items (minus the fees), and any additional transactions that post to the account that day. My e-Statements | 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. 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. There is no transfer fee on any day in which all transfer are $5 or less- $5 Overdraft Pass. First Republic has $229 billion in assets, making it the second-biggest bank to collapse in U.S. history after the 2008 failure of Washington Mutual . Round Rock Map ATM. Site Security | Silicon Valley Bank had roughly $209 billion when it was seized by California regulators. Commercial banking services include commercial loans and letters of credit, working capital lines and equipment financing, and treasury management services. Citizens National Bank has a fair savings rate compared to the average savings account. 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. Contact Us Now Personal Lending Get in touch with our friendly loan professionals and find a loan that's right for you. For more information on the reissue please. 6 months of Business Suite, including ATM advertising and. Our Loan Officers are only a phone call away if you need help. Your account is protected by 24/7 monitoring and fraud alerts with, Depending on your preference, you can apply for a Citizens checking account online, over the phone, or at any, Paycheck Protection Program Loan Forgiveness. 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. Congress needs to make major reforms to fix a broken banking system.". "The failure of First Republic Bank shows how deregulation has made the too big to fail problem even worse," Senator Elizabeth Warren tweeted on Monday. var Year = new Date(); Baton Rouge, La. Dimon dismissed concerns about JPMorgan's size, saying the U.S. needs big financial institutions as much as it needs small and regional lenders. Regulators wanted a private company to take over First Republic to avoid the FDIC taking on too much debt, and that requirement "may have precluded other regional bank bidders from making the math work as well as it does for JPM," Ken Usdin, equity analyst for Jeffries, said in a note Monday. Simply call us at 1-800-922-9999, visit any Citizens branch, or use the Change of Address feature of Online Banking. Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view. Not enrolled in Online Banking? 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. All loans are subject to approval. 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. For information on our Funds Availability Policy, please visit citizensbank.com/overdraft or see your Personal Deposit Account Agreement. 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. The negative collected balance rate is Prime plus 4. Services for small and large businesses and everything in between. And anyone who thinks that it would be good for the United States of America not to have that, should call me directly.". For lobby hours, drive-up hours and online banking services please visit the official website of the bank at www.cnb-brownwood.com. Citizens National Bank, whose headquarters are in Cameron, Texas, lacks premium access to support representatives, with no live chat or all-day service options available. Citizens National Bank has 11 physical branches across the U.S. Save more with these rates that beat the National Average. Click Here for a downloadable business account application. Citizens corporate headquarters: One Citizens Plaza, Providence, RI 02903 Citizens National Bank of Texas - Since 1868 Business Online Banking Mobile Banking Locations About Us Apple Pay Now Available! Home Personal Banking Loan Options Loan Options Life's larger expenses happen. 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. Email the Bank. 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. What happens to First Republic Bank's stock and deposits now? Citizens National Bank, as your lending headquarters, has you covered. You can always call 1-866-690-BANK (2265) to access your account information or any of our locations listed below for assistance. *A $5 non-usage monthly fee may apply if bill pay is not used after 3 months. Free standard single checks. Dimon also said buying First Republic's assets will help stabilize the U.S. banking system, which has been rocked in recent weeks by the sudden collapse inMarch of Silicon Valley Bank (SVB) and Signature Bank. The transaction is expected to close during the first quarter of 2022. www.cnboftexas.com, Login to My Account | You are about to follow a link to [Link]. Learn how to take control of your money and avoid overdrafts and fees. SmartAssets services are limited to referring users to third party advisers registered or chartered as fiduciaries ("Adviser(s)") with a regulatory body in the United States that have elected to participate in our matching platform based on information gathered from users through our online questionnaire. Brownwood office is located at 401 West Commerce, Brownwood. The FDICestimatedthe cost to the Deposit Insurance Fund at about $13 billion; by comparison, SVB's failure resulted in a $20 billion hit. Free standard single checks, just pay $8 shipping. Citizens is a brand name of Citizens Bank, N.A. PO Box 569120. The fund is mostly financed through fees paid by the nation's banks. Example: 301 E. Main Street Kilgore TX 75662. 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. Citizens National Bank's safe deposit boxes relieve you from ever worrying about misplacing your valuables. Oct 1997 - Present25 years 7 months. Helping make your business financially successful. the combined institution is expected to have total consolidated assets of approximately $4.9 billion. Before that collapse, the largest loss for the DIF was$10.7 billion in 2008 to resolve the loss for subprime lender IndyMac. Citizens Peace of Mind gives you additional time to fund your account and reverse overdraft fees. 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. Given Citizens National Bank's noncompetitive savings rate, you should consider choosing another bank to earn more on your deposits. Citizens National Bank's CD rates are fair as compared against the national average. 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. Member FDIC (NMLS ID# 433960). Rates and APYs accurate as of March 23, 2023. $499.99 or below $10.00, $500.00 $999.99 $9.00. 110 S. Mays St. Piper Sandler Companies acted as financial advisor to Texas Citizens, and Bracewell LLP acted as legal advisor to Texas Citizens. LEARN MORE Loans Contact Us | Copies of the Proxy Statement-Prospectus can also be obtained, when it becomes available, free of charge, by directing a request to Business First Bancshares, Inc., 500 Laurel Street, Suite 101, Baton Rouge, LA 70801, Attention: Corporate Secretary, Telephone: 225-248-7600 or to Texas Citizens Bancorp, Inc., 4949 Fairmont Parkway, Pasadena, TX 77505, Attention: Chairman and Chief Executive Officer, Telephone: 713.948.5727. Business First, Texas Citizens and certain of their directors, executive officers and employees may be deemed to be participants in the solicitation of proxies from the shareholders of Texas Citizens in connection with the Proposed Transaction. Citizens National Bank of Texas. Get extra time to cover overdrafts2 with Citizens Peace of MindTM 3, Reduced fees for Non-Citizens ATM usage4, Money Orders and Paper Statement, Unlimited ATM transactions at other banks ATMs with no fee from us4, Plus no fees for personal style checks, stop payments, money orders, bank checks, wire transfers, foreign currency exchange and more, No overdraft fee charged on a first occurrence each year with Citizens Fee Relief, plus get an extra day to cover future overdraft charges with Citizens Peace of MindTM 3, All the same benefits as Citizens Quest Checking plus up to $10 in non-Citizens ATM fee refunds per statement cycle, We'll waive the monthly fee when you make one deposit each statement period. APY = Annual Percentage Yield. Managing your checking accounts doesnt have to be complicated. First Republic has 84 branches across eight states: California, Connecticut, Florida, Massachusetts, New York, Oregon, Washington and Wyoming. Write VOID in large letters in ink across the check, covering most lines so that nothing else can be written in on the check. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk. There is no fee for Savings Overdraft Transfer Plan. var yyyy = Year.getFullYear(); Legal Statement. Both of our companies are focused on serving similar clienteles in similar ways, in particular small businesses, and we anticipate a relatively seamless integration of operational systems and, more importantly, cultural approaches. Citizens National Bank receives an exceptional consumer satisfaction score based on comparatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency. This will allow the employer to verify the above information. They know every business owner or manager, every business and organization, is unique. As with its San Francisco neighbor Silicon Valley Bank, First Republic had many affluent account holders with deposits exceeding the $250,000 limit guaranteed by the FDIC. 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. Contact Us | JPMorgan will make a "modest" one-time $2.6 billion gain by acquiring First Republic but will also spend another $2 billion restructuring the regional bank, he added. Get paid up to 2 days early when you have direct deposit.1 No need to sign up and its absolutely free. Manage Accounts: With online banking, you can check your balance and account activity, search your payment history, place stop payment requests and more. 2IMPORTANT DETAILS ON OVERDRAFT COVERAGE: When we pay a transaction that overdraws your account, we will charge you an Overdraft Fee of $35 per item paid. "You need large, successful banks. How do I set up direct deposit and what kind of information is required? Get browser notifications for breaking news, live events, and exclusive reporting. Federal officials from the FDIC, Treasury Department and Federal Reserve held private talks with other banks on Friday hoping to find a bailout plan for First Republic, Reutersreported, but no private rescue materialized. Updated on: May 1, 2023 / 7:48 PM document.write(Year); Or mail your completed application to: Card Service Center. These forward-looking statements include, without limitation, statements relating to (i) the expected impact of the proposed transaction between Business First and Texas Citizens (the Proposed Transaction) on the combined entities operations, financial condition, and financial results, (ii) expectations regarding the ability of Business First to successfully integrate the combined businesses, and (iii) the amount of cost savings and other benefits that are expected to be realized as a result of the Proposed Transaction. That made it more vulnerable to a bank run as customers rushed to transfer their money elsewhere. I have been a customer of Citizen's National Bank Pflugerville Branch since 2006 and my experience with CNB has been above and beyond. Login to My Account |
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