Citizens State Bank

Headquarters: Somerville, Texas
Charter: Bank
Assets: $1.2B
Fed district: Dallas

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Monthly Maintenance
Rewards Checking $8 · NOW Account $10
Compared at $9, the middle of its prices
Citizens State Bank: $8 to $10
Citizens State Bank: $8 to $10
U.S. median: no median
Minimum Balance
Regular Savings Fees & $2 · Minor Savings Fees & $10
Compared at $6, the middle of its prices
Citizens State Bank: $2 to $10
Citizens State Bank: $2 to $10
U.S. median: no median
Excess Withdrawals
Citizens State Bank: $10
Citizens State Bank: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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 State Bank’s own schedules, with a source for each figure.

Account Maintenance

NOW Account Monthly fee$10
per month · Avoid $10 monthly fee by maintaining minimum balance of $1,500
Rewards Checking Monthly fee$8
per month · Avoid $8 monthly fee by maintaining minimum balance of $300
Account Fees: A minimum balance fee$2
per month
Account Fees: A minimum balance fee$10
per month
Excessive withdrawal fee$10
per item

Fee	Amount	Basis	Note
Account Maintenance
NOW Account Monthly fee	$10	per month	Avoid $10 monthly fee by maintaining minimum balance of $1,500
Rewards Checking Monthly fee	$8	per month	Avoid $8 monthly fee by maintaining minimum balance of $300
Account Fees: A minimum balance fee	$2	per month	None
Account Fees: A minimum balance fee	$10	per month	None
Excessive withdrawal fee	$10	per item	None

Correct a fee source

Oct 15, 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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