COVID-19 Update

The safety and well-being of our customers and employees are our top priorities. For this reason, we have decided to take precautionary action and temporarily close our lobbies to public access as of Thursday March 19, 2020. We want to assure you that our work and your banking will not be disrupted. Our technological infrastructure will allow us to continue helping your day-to-day banking needs.

 To limit close contact, we recommend using:



Online Banking
(Account info, transfer funds, pay bills, view e-Statements, order checks)

Mobile Banking
(Account info, transfer funds, pay bills, deposit checks)

 Contact our customer service staff for help with any of our Online or Mobile Banking products or with any questions you may have.

903-322-4256       844-603-6296          903-322-3636 

Attention West Branch Customers:

DEBIT CARDS - Your replacement card under CITIZENS STATE BANK is scheduled to be mailed the week of March 2nd to March 6th. PLEASE DO NOT ACTIVATE THESE CARDS UNTIL MARCH 16th. Your existing card will work until this day!

BANK STATEMENTS - You will receive a bank statement from State National Bank dated March 13th representing activity through this day. On March 31st you will receive a bank statement from Citizens State Bank representing the remainder of the month. We are waiving any services charges for the month of March!

CHECK CUSTOMERS - Your current State National Bank checks will continue to process as normal, even after the March 16th conversion date.  The next time you place a check order, you will receive Citizens State Bank branded checks.  However, if you’d like to obtain checks branded as Citizens State Bank, you may simply return your unused State National Bank checks to the West branch. Upon receipt, they will order you a FREE box of checks.


ONLINE BANKING and BILL PAY-Citizens State Bank will not be moving your State National Bank Online Banking or Bill Pay information into our website.

Any bills set to be paid from State National Bank’s online banking system after March 13, 2020 will not be paid and will have to be set-up in CITIZENS STATE BANK online Bill Pay system. Please arrange to pay your bills by this day or to make alternate arrangements for payment.

Please remember to keep a record of your current bills, payees and scheduled payments that are set to occur after March 13, 2020 so they can be re-entered into the Citizens State Bank Bill Pay system once you enroll.

You may self-enroll in our Online Banking system starting March 16, 2020 by logging into After enrollment you will need to contact Customer Service at 903-322-4256, toll free at 844-603-6296 or your local branch at 254-826-3741 to be enrolled in Bill Pay.



Health & Safety Amid COVID-19

At Citizens State Bank, the health and well-being of our customers, employees, and communities are of utmost importance to us. We understand the concern and uncertainty you may be experiencing surrounding the coronavirus (COVID-19). We are committed to being responsive to the needs of our customers as the situation evolves, and we continue to monitor the Centers for Disease Control and Prevention (CDC) and World Health Organizations (WHO) for the latest developments.


We strongly encourage you to access and use Citizens State Bank’s digital tools and other resources for 24/7 account access and to conduct banking business. You can access your accounts through our 24 Hour Telephone Voice Access service (1-903-322-3636), Toll Free number (844-603-6296), Online Banking, or the CSB Mobile Banking App at your convenience.



Online Banking

Mobile Banking App

Access Account Information
(View transactions, check balances)



Transfer Funds



Pay Bills



View e-Statements



Order Checks



Deposit Checks




If you haven’t enrolled in Online Banking, it only takes a few minutes. Enroll now at Once you’ve enrolled in Online Banking, you can download and log in to the CSB Mobile Banking App, available in the Apple Store or Google Play.


We also understand that there may be instances where customers find themselves facing financial difficulties. Citizens State Bank is here to help, and we encourage customers who may be impacted to reach out to discuss how we might be of assistance.


Again, the health, safety and well-being of our customers, employees, and communities are our top concern. We will continue to monitor this quickly evolving situation and are here to assist our customers as needed. Please continue to visit our website ( and Facebook pages for any updates, and should you find yourself in need of assistance, please contact us.


For additional information about COVID-19, visit the Centers for Disease Control and Prevention at

Download Our Mobile App!