Dear Valued Customer,

Welcome to Citizens National Bank.  We appreciate your business.  We are very excited to be offering Online Banking and Bill Pay to you, our customers.  We have been in business since 1981 and our mission has been to serve Wills Point, Grand Saline, as well as the surrounding communities by providing personalized banking services.  Some of you may remember that our roots began in a temporary headquarter located on the Citizens Plaza Shopping Center parking lot.  We are proud to be an independent community bank with one full service branch located in Grand Saline, Texas.  

Click HERE to register your account and get started with Online Banking!

Customer Safety Information

As your Hometown Advantage, our goal is to make your safety our priority.  In doing so we strive to do all that we possibly can to protect you and provide you with the most adequate and accurate information regarding your safety.  With that in mind we are requesting that you NEVER give your Citizens National Bank account number in response to a phone call or e-mail request.  Citizens National Bank will never call you or send an e-mail requesting that you verify your account number.  No legitimate business will ask you to verify your credit card/debit card information or any PIN number granting access to your personal banking records.  If at any time you receive a phone call or an e-mail requesting any of your Citizens National Bank account numbers or banking information, please contact Citizens National Bank.  If you receive an e-mail requesting sensitive information please forward it to our Online Support Department.  If you are contacted and asked for personal or banking information, for your security PLEASE do not respond to e-mails or release any information to callers. 




By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the maximum of $250,000 for each ownership category.

For more information about temporary FDIC insurance coverage of transaction accounts, visit












NOTICE: The information contained in this site is provided for general guidelines on several subjects of interest for the user. User should be aware that laws, regulations and standards can vary and the information on this site should not be used as professional advice or services. A qualified professional should be consulted regarding user's own situation before any decision making. Citizens National Bank is not responsible for any actions taken by users. Use of this information is at user's own risk. Each user has a special or unique need or situation that should always be addressed by a professional who understands that need or situation. The information contained in this site is presented "as is" and Citizens National Bank does not guarantee that the information contained herein is accurate, complete or timely. Citizens National Bank will not be liable for any action, risk, loss, damages, whether direct or indirect, from use of the information contained in this site. This site is provided for informational use only. Our website contains links and features that are provided to our customers from outside sources. We are not responsible for and have no control over the content or subject matter of these links, however it is our sole intent to provide only good information that our customers can find useful. The user must be aware that there is a great amount of information and opinion to be considered by anyone looking after their financial situation. No two situations are alike. The most useful advice is that which is provided for a specific and individual set of circumstances.