Citizens National Bank

Headquarters: Cameron, Texas
Charter: Bank
Assets: $691.8M
Fed district: Dallas

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Citizens National Bank: $5
Citizens National Bank: $5
U.S. median: no median
Overdraft (OD)
Citizens National Bank: $32
Citizens National Bank: $32
U.S. median: no median
NSF / Returned Item
Citizens National Bank: $32
Citizens National Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Citizens National Bank’s own schedules, with a source for each figure.

Account Maintenance

Account maintenance fee$5
Closed Account Fee (opened less than 60 days)$20
Account Balancing Assistance (one hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (one hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour
Printed Statements$3
per month
Undeliverable Statement Fee (audience not stated, treated as personal)$5

Overdraft & NSF

Automated Overdraft Program Fee - Overdraft Charge$32
Non-Sufficient Funds (overdraft charge)$32
Non-Sufficient Funds (returned item charge)$32
Overdraft Protection Transfer Fee$5

ATM & Card

Foreign ATM Balance Inquiry$1
per item · Product exception: Consumer Advantage Plus
Foreign ATM Transaction (Product exception: Consumer Advantage Plus)$1
Debit Card Replacement Fee$7.50

Wire Transfers

Wire Fee: Domestic Outgoing$20
Wire Fee - Domestic Incoming$15
per item
Wire Fee: Foreign Outgoing$25
Wire Fee: Foreign Incoming$15

Check Services

Cashier’s Check$5
Personal Money Orders$3
Stop Payment Order$32
Temporary Checks$5
per item · Per 12 checks
Temporary Checks (12)$5
Collection Items: Incoming$10
Copy of checks or deposits$0.50
per item

Digital & Electronic

Unlimited bill pay transactionsNo charge

Cash & Deposit

Return of Deposited Item/Charge Back or Re-clear$10

Account Services

Processing Legal Orders (where allowed by law) (IRS Levy, State Comptroller Freeze or Levy, etc.)$150
Processing Legal Orders (where allowed by law)$150

Other Fees

Copy of statement$3
Not compared: Charged per page; comparison unavailable
per page
Fax: Incoming$2
per item
Fax: Outgoing$1
per item
Photocopies$0.25

Fee	Amount	Basis	Note
Account Maintenance
Account maintenance fee	$5	Not stated	None
Closed Account Fee (opened less than 60 days)	$20	Not stated	None
Account Balancing Assistance (one hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (one hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Printed Statements	$3	per month	None
Undeliverable Statement Fee (audience not stated, treated as personal)	$5	Not stated	None
Overdraft & NSF
Automated Overdraft Program Fee - Overdraft Charge	$32	Not stated	None
Non-Sufficient Funds (overdraft charge)	$32	Not stated	None
Non-Sufficient Funds (returned item charge)	$32	Not stated	None
Overdraft Protection Transfer Fee	$5	Not stated	None
ATM & Card
Foreign ATM Balance Inquiry	$1	per item	Product exception: Consumer Advantage Plus
Foreign ATM Transaction (Product exception: Consumer Advantage Plus)	$1	Not stated	None
Debit Card Replacement Fee	$7.50	Not stated	None
Wire Transfers
Wire Fee: Domestic Outgoing	$20	Not stated	None
Wire Fee - Domestic Incoming	$15	per item	None
Wire Fee: Foreign Outgoing	$25	Not stated	None
Wire Fee: Foreign Incoming	$15	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Personal Money Orders	$3	Not stated	None
Stop Payment Order	$32	Not stated	None
Temporary Checks	$5	per item	Per 12 checks
Temporary Checks (12)	$5	Not stated	None
Collection Items: Incoming	$10	Not stated	None
Copy of checks or deposits	$0.50	per item	None
Digital & Electronic
Unlimited bill pay transactions	No charge	Not stated	None
Cash & Deposit
Return of Deposited Item/Charge Back or Re-clear	$10	Not stated	None
Account Services
Processing Legal Orders (where allowed by law) (IRS Levy, State Comptroller Freeze or Levy, etc.)	$150	Not stated	None
Processing Legal Orders (where allowed by law)	$150	Not stated	None
Other Fees
Copy of statement	$3Not compared: Charged per page; comparison unavailable	per page	None
Fax: Incoming	$2	per item	None
Fax: Outgoing	$1	per item	None
Photocopies	$0.25	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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