New Federal regulations require us to get your permission by July 1, 2010 for Citizens National Bank of Texas to continue to authorize your everyday debit card purchases and ATM transactions when insufficient funds exist. Please know that you will incur a $28 fee for each authorized item that overdraws your account. If you are uncertain if a debit card purchase or ATM withdrawal is going to overdraw your account, we encourage you to check your balance.

Please click Make Selection below to go to the next page where you can submit your response regarding opting-in to overdraft services for everyday debit card and ATM transactions.