Featured Savings Rates
Featured Accounts

Texas Citizens Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.20%Reward CheckingReward Plus Checking
0.50%1-year CD12 Month CD
0.10%SavingsSavings Accounts

Overview / Commentary
713-948-5700
4949 Fairmont Parkway
Pasadena, TX 77505

Texas Citizens Bank is headquartered in Pasadena and is the 150th largest bank in the state of Texas. It is also the 1,709th largest bank in the nation. It was established in 2006 and as of September of 2016, it had grown to 91 employees at 6 locations. Texas Citizens Bank's money market rates are 14% higher than the national average, and it has a B health rating.

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Reviews (8)

Online Banking System

Posted by: Mayon | Nov 10, 2012

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: Anonymous | Nov 10, 2010

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: Anonymous | Apr 29, 2010

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: John | Oct 17, 2010

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.

Biased And Prejudiced Managers

HAfter I told the bank I did not receive my new credit card's pin while traveling, they required me to come in for a new pin knowing that I was out of the country traveling instead resending a pin/ new card. Also despite constant emails from the same email address I have been using to communicate with managers for years, ID verification documentation sent, and phone conversations answering security questions, would still not reissue my card and pin due to "security issue."

They even put my account on a limited basis where I would have to contact them each time if I wanted to transfer money between my internal and external accounts without any advance notice. She even asked me for my job, which basically had nothing to do with my account. When I brought this up she said that makes them not trust me, but after asking her, she then admitted that it wouldn't make a difference anyway. She still asked me for my job again, I told her, and of course they still closed the account. I sensed bias and prejudice in their decision making simply because it wasn't rational and the excuses didn't add up. She said her and other officers make the decisions to close the account or not, but she came off that she made the ultimate decision and immediately assumed during our conversation that the account would be closed just because I raised concerns and issues about their unfair treatment towards me and illogical "security issue excuse." even said that she asked others in the bank if any one knew or saw me. As if the bank know's all their customers on a first name basis or if that is some kind of requirement for a bank.

I tried reporting this issue to the CEO and he immediately agreed with . He didn't even want to hear my concerns, complaint or explanation of the situation. He also told me I could contact their compliance officer, . I contacted her several times and she never took the time to respond. I notified the CEO about her lack of response and he also did not respond.

They Support Illegal Immigrants

Posted by: Anonymous | Mar 9, 2012

Bank officers would rather hire illegals on the cheap than hire American business both personally and professionally. Love to avoid paying sales taxes that themselves do.

This Bank Was Not For Me

Posted by: Anonymous | Mar 8, 2012

I pulled my money out of this bank.

Crappy Online System

Posted by: MCF7 | Dec 6, 2011

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
B

Health Grade Components

Overall
FDIC Certificate #58319
Year Established2006
Employees91
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD6.55%
Annual Interest Income$14.6MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$402.6MM$372.0MM
LoansQ3 2016vs Q3 2015$328.6MM$310.2MM
DepositsQ3 2016vs Q3 2015$333.7MM$328.6MM
Equity CapitalQ3 2016vs Q3 2015$36.5MM$34.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$4.5MM$4.2MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$1.3MM$258.00K
Real Estate OwnedQ3 2016vs Q3 2015$6.3MM$2.7MM
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Savings Accounts

Texas Citizens Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$250k*-IRA Money Market
OTHER TIERS: 0.10% Up to $2,500 | 0.25% $2,500 - $25k | 0.30% $25k - $100k | 0.50% $100k - $250k
0.50%*$250k*-BizReward Money Fund
OTHER TIERS: 0.00% Up to $2,500 | 0.20% $2,500 - $25k | 0.25% $25k - $100k | 0.40% $100k - $250k
0.40%*$250k*-Money Market Savings
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $25k | 0.25% $25k - $100k | 0.35% $100k - $250k

Texas Citizens Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%*-$25kReward Plus Checking
OTHER TIERS: 0.20% $25k+
0.75%*-$25kReward Checking
OTHER TIERS: 0.20% $25k+
0.10%$1,500-Now Account

Texas Citizens Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$10k-48 Month "One Bump" CD
0.95%$10k-30 Month "One Bump" CD
0.80%--24 Month Reward CD
0.75%--24 Month CD
0.65%--18 Month Reward CD
0.60%--18 Month CD
0.55%--12 Month Reward CD
0.50%--12 Month CD
0.45%--9 Month Reward CD
0.40%--9 Month CD
0.35%--6 Month Reward CD
0.30%--6 Month CD
0.30%--3 Month Reward CD
0.25%--3 Month CD
Locations


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
Baytown Branch507 West Baker RdBaytown, TX 77521