Citizens National Bank of Texas

Headquarters: Waxahachie, Texas
Charter: Bank
Assets: $2.2B
Fed district: Dallas

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

Source: its fee schedule, read Oct 10, 2026.

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Fees against the market

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

Overdraft (OD)
Citizens National Bank of Texas: $28
Citizens National Bank of Texas: $28
U.S. median: no median
NSF / Returned Item
Citizens National Bank of Texas: $28
Citizens National Bank of Texas: $28
U.S. median: no median
Non-Network ATM
Compared at $0.75, the middle of its prices
Citizens National Bank of Texas: $0.50 to $1
Citizens National Bank of Texas: $0.50 to $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 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 of Texas’s own schedules, with a source for each figure.

Account Maintenance

Early closing fee$25
Account balancing assistance$25
Not compared: Annual charge, not per item
per year
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour
Return mail due to non-notification$5

Overdraft & NSF

Overdraft - each overdraft paid$28
per item
Nonsufficient funds (NSF)$28
per item
Returned check charge (audience not stated, treated as personal)$28

ATM & Card

ATM cash withdrawal from checking, savings, or money market account(s) (off premises use)$1
Balance inquiry at ATMs for checking, savings, or money market account(s) (off premises use)$0.50
International Service Assessment1%

Wire Transfers

Foreign wire transfers: Outgoing (audience not stated, treated as personal)$50

Check Services

Special handling fee (limited, lost checkbook, watch on account)$25
Stop payments$28
per item
Temporary checks$0.25
per item
Draft collection fee$50

Cash & Deposit

Deposited item returned$5

Account Services

Garnishments or levies$150

Other Fees

Fax 1st page$1
Not compared: Annual charge, not per item
per year

Fee	Amount	Basis	Note
Account Maintenance
Early closing fee	$25	Not stated	None
Account balancing assistance	$25Not compared: Annual charge, not per item	per year	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return mail due to non-notification	$5	Not stated	None
Overdraft & NSF
Overdraft - each overdraft paid	$28	per item	None
Nonsufficient funds (NSF)	$28	per item	None
Returned check charge (audience not stated, treated as personal)	$28	Not stated	None
ATM & Card
ATM cash withdrawal from checking, savings, or money market account(s) (off premises use)	$1	Not stated	None
Balance inquiry at ATMs for checking, savings, or money market account(s) (off premises use)	$0.50	Not stated	None
International Service Assessment	1%	Not stated	None
Wire Transfers
Foreign wire transfers: Outgoing (audience not stated, treated as personal)	$50	Not stated	None
Check Services
Special handling fee (limited, lost checkbook, watch on account)	$25	Not stated	None
Stop payments	$28	per item	None
Temporary checks	$0.25	per item	None
Draft collection fee	$50	Not stated	None
Cash & Deposit
Deposited item returned	$5	Not stated	None
Account Services
Garnishments or levies	$150	Not stated	None
Other Fees
Fax 1st page	$1Not compared: Annual charge, not per item	per year	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 10, 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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