Deposit Accounts

We have several account types from which to choose including regular checking, free checking, NOW checking, Money Market checking, savings, certificates of deposit and IRA’s. For more information on our deposit product please visit:

Personal Banking

Business Banking






We offer a wide variety of loans including consumer, real estate, and commercial with flexible financing terms and prompt loan decisions from our capable lending staff. Please visit with one of our friendly loan officers for your loan requests.

Click here to find out more about our Loan products.

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Debit Card

We issue debit cards that can be used to withdraw cash at ATM terminals or for point of sale purchases at retail locations anywhere MasterCard is accepted worldwide. Please see one of our new accounts representatives for more information. You should immediately call 1-800-264-4274 (Option 3 then Option 1) to report a lost or stolen card.

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Online Banking

Enjoy banking in the convenience of your home or anywhere you have an internet connection. Our secure online banking offers the following services 24 hours a day. Contact one of our account representatives for more information.


  • Check account balances and transactions.
  • Transfer funds between authorized accounts.
  • View and print check images.
  • Make loan payments.
  • Set up account alerts.
  • Reorder checks.
  • Pay bills using Free Online BillPay.

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Telephone Banking

Reviewing your account is just a phone call away with 24-hour TeleBank. To access the Telebank, you will need a touchtone phone, customer number, and security code. Contact one of our account representatives for more information. The Telebank number is 254-582-1025.

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Investment Brokerage

Citizens Financial Services offers a full menu of investment brokerage products through our licensed investment representatives and all transactions are cleared through our broker dealer, Linsco Private Ledger.

Investment products sold through Citizens Financial Services:


  • Are not insured by the FDIC
  • Are not deposits or other obligations of the Bank and are not guaranteed by the Bank
  • Are subject to investment risks, including possible loss of principal invested


Contact a CFS representative at 254-582-7400 for more information.

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Safe Deposit Box

Secure your most important documents and belongings in one of our safe deposit boxes. Choose from the following sizes:

Box Size


Annual Rental













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