Personal Banking

personal banking

CHECKING
CHECKING

Looking for the perfect checking account to fit your life? We’ve got it!

personal checking complimentary

COMPLEMENTARY

Free features and benefits for everyone.

With no maintenance fees, free Internet banking, free e-statements, free instant-issue debit cards, free checks and ATM refunds on qualified accounts, everyone can afford to bank at Citizens.

For an overview of Citizens Bank checking accounts, click here

personal checking customized

CUSTOMIZED

Accounts and services to suit your needs.

Our banking is personal—from building your own account to customizing your debit card. And when you need help, we’re available via phone, email, or in person.

CONVENIENT

CONVENIENT

24/7 access to your money.

Manage your funds any time, anywhere with our mobile app, text notifications and bill pay option—plus, drop by any branch for an instant-issue debit card.

SAVINGS
SAVINGS

Save and invest your money safely and securely.

family-oriented

FAMILY-ORIENTED

Teach your children how to save while leading by example.

Save for holiday purchases, celebrations and travel with a Christmas Club account, and while you’re saving, teach your kids to do the same with our CeeBee Savings account for children up to 18 years.

flexible personal savings

FLEXIBLE

Choose from a variety of options to meet your financial goals.

Depending on how you wish to save and access your funds, you can go with a money market account, a statement savings account or a CD with terms ranging from one month to five years.

LOANS
LOANS

We help you live your dreams with loans to fit your budget.

personal mortgage loans

MORTGAGE LOANS

Whether you’re interested in buying a home and need a mortgage loan or you’re looking to refinance, we have financial packages that will fit your needs. Speak with one of our loan specialists today to learn more.

View NMLS ID's

competitive personal loans

PERSONAL LOANS

 We offer all types of personal loans with competitive loan rates.  Whether you are in search of a new car, recreational vehicle or just need to take the family on a much-needed vacation, we have a loan for you.  Since all loan decisions are made locally, you will receive a quick personal loan decision on your application as you deal with a friendly banker who lives where you do.

competitive personal loans

COMPETITIVE

Turn dreams into reality with competitive rates on personal and home loans.

Whether purchasing a new car or recreational vehicle or buying, building or refinancing a home, we offer competitive rates and local decisions to help you quickly make those dreams come true.

TRUST SERVICES
TRUST SERVICES

Providing families with an avenue of preserving wealth and estates.

trust services

TRUST SERVICES

Since 1953, The Citizens Bank Trust Division has provided families with an avenue of preserving wealth by offering a variety of trust and estate-planning services. By naming Citizens Bank as your trustee, a team of well-qualified individuals will help manage your assets.

For an overview of Citizens Bank Trust Services, click here

Contact us at 870-698-6371 or email us at TrustDept@thecitizensbank.net(link sends e-mail)  about the following trust and estate-planning services.

personal trust manage

MANAGE

Let us help you manage and transfer your assets.

Our trust department is staffed with knowledgeable and friendly financial advisors to help you make the best decisions for managing your assets and transferring them accordingly when the time comes.

personal trust preserve

PRESERVE

Select the best options for preserving your wealth.

From life insurance, revocable living trusts, CDARs and self-directed IRAs, our trust department has variety of options to help you preserve your assets for the next  generation.

trust services plan

PLAN

Begin your estate planning process.

Everyone has an estate, no matter what the size. Make sure yours is transferred to your beneficiaries in the most timely and cost-effective manner by planning ahead with our trust department.

OTHER PRODUCTS & SERVICES
OTHER PRODUCTS & SERVICES

Not finding what you need here? See a list of all the services we offer.

Debit Card

DEBIT CARD

Secure, convenient and customized.

With a Citizens Bank debit card, you can access your checking account to pay for any purchase where Visa® is accepted. As an existing Citizens Bank account holder, you are eligible to receive a free custom photo debit card or an instant issue debit card. 

Application  Customize Your Card

Cash Managment

CASH MANAGEMENT

When settling large transactions, use this check to insure the safety and security of your money.

ira

INVESTMENT RETIREMENT ACCOUNTS

Take control of your retirement, no matter where you are. An Individual Retirement Account is one of the smartest, most tax efficient ways to save for retirement. The two most common types of Individual Retirement Accounts work differently. Learn more about which may be the best choice for your retirement strategy.

Traditional IRA Roth IRA

DEPOSITS

CERTIFICATES OF DEPOSITS

Get a guaranteed return on your deposit with a Certificate of Deposit (CD).

You can earn a guaranteed return on your money with a Certificate of Deposit.  Citizens Bank can offer you competitive interest rates, automatic renewals and FDIC Insurance on all our CD accounts with terms ranging from 1 month up to 5 years.  Interest can be compounded monthly, or paid to you by either check or transferred to your checking or savings account.  It is a smart way to save!

 

Secure

TELEBANKER

Manage your accounts anytime, anywhere.

If you haven’t signed up for online and mobile banking, you can still access your accounts remotely. Simply dial our 24-hour banking information line, 1-800-222-8225 (1-855-ACCTBAL) to inquire about balances, transactions or transfer between accounts.

Credit Cards

CREDIT CARDS

Keep all of your accounts in one place.

Our Citizens Bank Visa and Mastercards offer mobile purchase options, online statements, email updates on account information and special offers and are conveniently through the same bank as your other accounts.

Enroll  Login Apply Now

Citizens Bank is Your Bank

We welcome the opportunity to show you why friends and neighbors have trusted us for more than 60 years. Citizens Bank offers exceptional customer service, with the professional expertise you expect from a market leader. Making the move to Citizens Bank is not only smart; it's easy and stress free.