Texas Citizens Bank

Overview / Commentary
4949 Fairmont Parkway
Pasadena, TX 77505

Texas Citizens Bank is headquartered in Pasadena and is the 149th largest bank in the state of Texas. It is also the 1,637th largest bank in the nation. It was established in 2006 and as of June of 2021, it had grown to 92 employees at 6 locations. Texas Citizens Bank has an A health rating.

Reviews (6)

Online Banking System

Posted by: |

The online banking and cash management system is the best I have used.  It allows me to monitor my balances and activity at all my banks and brokerage firms.  It also provides an excellent interface to all my credit card accounts.  The customer service at TCB is great!!! 

The interest rate on my RewardPlus personal checking account is higher than other banks pay on their CDs.  The bank also allows me to use any ATM at no cost to me.  I have no reservations in recommending TCB.


Rewards Plus Checking Rate

Posted by: |

Still says 5.01% on the website but when I log on to my account the rate is 4.90%. Seems as though it has dropped just a bit.

I've Been A Customer For A Little Less Than A Year And Have Been Extremely Pleased With My

Posted by: |

I've been a customer for a little less than a year and have been extremely pleased with my experience.   The customer service staff is very responsive either by phone or email.  The Bill Pay has a couple of quirks but continues to show improvement (everything is paid on time but default is to min. pay instead of full for automatic payments so I have to manually change). They also participate in Mint.com's program.  I have a Reward Plus account which is currently paying 5.01% APY.

Watch Statement

Posted by: |

When the account was first opened in July 2010, the rate given for Rewards Checking was close to the Rewards Plus checking - about 4.76% and 5.01%, but the day after opening the account the rate for the Reward Checking dropped to 2.76% with no notification. The first month was to have no restrictions, but it was only one day, as the cutoff for this bank falls in the middle of the month.  Reward was not paid for Aug 2010, so we called and they said it was a mistake and made the interest payment, as the 3 bill pay and 12 debit and online statement requirements were met. Reward was not paid for Sept 2010, so we emailed and got a response that they made a mistake again & paid the interest on the first $25,000 in the account. Good news is that today we got msg that statement was available and the interest was paid for Oct. 2010 statement. There is also a provision in the contract that if the account is closed within one year, there is a penalty of most of the interest paid. So, we'll probably have direct deposit transferred to this account to qualify for 5.01% APY, which is the only added feature needed to upgrade the account. In all, they have paid interest, but mistakes can happen and need to be corrected. *Dates, figures and amounts are to the best estimates and are not provided for any short or long-term comparisons to this or other banks providing interest bearing accounts.

This Bank Was Not For Me

Posted by: |

I pulled my money out of this bank.

Crappy Online System

Posted by: |

Dramatically drop the interest rate without notice.  Bad online system. Too bad don't have the courtesy of notifying costumer. What is this bank good for.


Health Grade Components

FDIC Certificate #58319
Year Established2006
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD8.58%
Annual Interest Income$10.3MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$537.6MM$579.2MM
LoansQ2 2021vs Q2 2020$398.6MM$460.8MM
DepositsQ2 2021vs Q2 2020$453.7MM$443.6MM
Equity CapitalQ2 2021vs Q2 2020$56.8MM$51.8MM
Loan Loss AllowanceQ2 2021vs Q2 2020$6.3MM$7.9MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$6.9MM$14.1MM
Real Estate OwnedQ2 2021vs Q2 2020$0$1.7MM
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Always verify rates and promotions with the bank or credit union. We are not Texas Citizens Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Texas Citizens Bank Savings Account Rates

0.30%*$250k*-IRA Savings
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $100k | 0.20% $100k - $250k
0.10%--Savings Accounts
0.10%--Business Savings Accounts

Texas Citizens Bank Money Market Rates

0.40%*$750k*-Premier Money Market - New Money
OTHER TIERS: 0.10% Up to $75k | 0.20% $75k - $250k | 0.30% $250k - $750k
0.40%*$750k*-Business Premier Money Market - New Money
OTHER TIERS: 0.10% Up to $75k | 0.20% $75k - $250k | 0.30% $250k - $750k
0.30%*$250k*-Money Market
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $100k | 0.20% $100k - $250k
0.30%*$250k*-BizReward Money Fund
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $100k | 0.20% $100k - $250k
0.30%*$250k*-Business Money Market
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $100k | 0.20% $100k - $250k

Texas Citizens Bank Checking Account Rates

0.85%*-$25kReward Checking Plus
OTHER TIERS: 0.10% $25k+
0.40%*-$25kReward Checking
OTHER TIERS: 0.10% $25k+
0.10%$1.5k-Now Checking

Texas Citizens Bank CD Rates

0.45%$1k-36 Month Reward CD
0.40%$1k-24 Month Reward CD
0.40%$1k-36 Month CD
0.35%$1k-24 Month CD
0.35%$1k-18 Month Reward CD
0.30%$1k-18 Month CD
0.30%$1k-12 Month Reward CD
0.25%$1k-12 Month CD
0.25%$1k-9 Month Reward CD
0.22%$1k-20 Month Variable CD
0.20%$1k-9 Month CD
0.20%$1k-6 Month Reward CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month Reward CD
0.05%$1k-3 Month CD

Texas Citizens Bank Locations
Clear Lake Branch14020 Hwy 3 Ste 100Houston, TX 77058
Tcb-Nasa Branch1800 Nasa ParkwayHouston, TX 77056
Rosenberg Branch24701 Southwest Freeway, Suite 700Rosenberg, TX 77469
West University Branch3636 Rice BlvdHouston, TX 77005
Texas Citizens Bank, National Association4949 Fairmont ParkwayPasadena, TX 77505
The Cannon Banking Center - Brittmoo1334 Brittmoore RdHouston, TX 77043

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