Citizens Bank & Trust
Citizens Bank & Trust offers a wide range of personal and business banking services, including checking and savings accounts, loans, credit cards, and digital banking, with multiple branch locations in North Alabama.
Personal Banking Services
Citizens Bank & Trust provides an array of personal banking services. They offer several types of checking accounts including Citizens Cash Checking, Citizens Cash Back Checking, Citizens Basic Checking, Student Cash Back Checking, Citizens Prime Checking, and Citizens One Checking. Their personal savings options comprise Citizens Secure Savings, Money Market Account, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs). Personal loans available at Citizens Bank & Trust include Personal Term Loans, Auto Loans, and Land & Construction Loans. Additionally, they offer home loans such as Home Mortgage Loans, Home Equity Lines of Credit (HELOC), and Home Improvement Loans. Customers can also benefit from the variety of credit card options including Personal Credit Card.
Business Banking Services
Citizens Bank & Trust caters to business customers with a wide range of services. Business checking account options include Business Basic Checking, Business Prime Checking, Business Direct Checking, and Business Edge Checking. For business savings solutions, they provide Business Secure Savings, Business Money Market, and Business Certificates of Deposit (CDs). Business loans offered encompass Paycheck Protection Program Loans, Commercial Real Estate Loans, Business Lines of Credit, Business Term Loans, and Agricultural Loans. Additionally, business customers can choose from a selection of credit cards, including Business Credit Card options. Treasury management services include Business Digital Banking, Merchant Card Services, Remote Deposit Capture, Automated Clearing House (ACH) Origination, and Positive Pay.
Digital Banking Services
Citizens Bank & Trust offers a comprehensive suite of digital banking services to its customers. Features include online and mobile banking platforms which enable users to manage accounts on the go. The bank provides advanced account alerts and the ability to send money using Zelle®. Their mobile app is available on both iOS and Android platforms, making it convenient for customers to perform banking tasks from their smartphones. In addition, they offer a variety of financial calculators and tools on their website to assist customers with financial planning.
Community Involvement
Citizens Bank & Trust is actively involved in community service through their 'Spirit of Citizens' program. This initiative encourages employees to volunteer in their local communities. The bank takes pride in maintaining strong ties with the community and investing in local projects. Additionally, they've implemented a school branch called Aggie Branch at Albertville High School in 2022, demonstrating their commitment to educational initiatives.
Branch Locations and Expansion
Citizens Bank & Trust operates multiple branch locations in North Alabama. These include offices in Guntersville, Albertville, Arab, New Hope, Cullman, Hazel Green, Rogersville, and Elkmont. In 2023, they opened a full-service office in Scottsboro and a Loan Production Office in Decatur. Furthermore, they relocated their office in New Hope to a new location in 2022. The bank continues to expand its presence in the region, aiming to provide accessible banking services for all its customers.