Online Banking Login

  • Lost your debit card?


    During normal business hours call:
    318.649.6136

    After business hours call:
    800.500.1044

Personal Checking


Senior Citizens 62 years and older are exempt from maintenance fee and also get FREE personalized safety paper checks.


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Commercial Checking


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Commercial Interest Checking


Variable Rate Information

The interest rate and annual percentage yield for this account will be:
Interest Rate: 1.0000% APY: 1.01%
NOTE: In this disclosure, Annual Percentage Yield is abbreviated as "APY".


Determination of Rate

At our discretion, we may change the interest rate on your account.


Frequency of Rate Change

We may change the interest rate on your account at any time.


Compounding and Crediting

Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you may not receive the accrued interest.


Balance Computation Method

Daily Balance Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.


Accrual and Noncash Deposits

Interest begins to accrue no later than the business day we receive provisional credit for the deposit of non-cash items (for example, checks)


Additional Disclosure Information

To qualify for this account you must receive your monthly statement electronically.


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Citizens Plus Checking


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Student Checking


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NOW Checking


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Super NOW Checking


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Bonus Checking


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Defenders of Freedom Account


  • Monthly statement cycle
  • No monthly maintenance fee

Variable Rate Information

The interest rate and annual percentage yield for this account will be:
Current Interest Rate: .2500% Current APY: .25%
Interest Rate: .2500% APY: .25%
NOTE: In this disclosure, Annual Percentage Yield is abbreviated as "APY".


Determination of Rate

At our discretion, we may change the interest rate on your account.


Frequency of Rate Change

We may change the interest rate on your account at any time.


Compounding and Crediting

Interest will be compounded and credited to your account monthly.


****Effect of Closing your Account****

If you close your account before interest is credited you may not receive the accrued interest.


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