Citizens National Bank offers a range of financial products and services for individuals and businesses throughout Central Texas. The bank has been in operation since 1900 and offers online and 24-hour telephone banking services. As an independent business, it provides a variety of certificates of deposit, traveler s checks, and checking, savings and individual retirement accounts. Citizens National Bank also provides check, gift, ATM and credit cards. The bank s trust department offers real estate administration and investment management services. In addition, it provides personal, automobile and home improvement loans. Citizens National Bank is a member of the Federal Deposit Insurance Corporation (FDIC).