personal banking


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

personal checking complimentary


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.

Checking Accounts Overview

personal checking 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.



24/7 access to your money.

Manage your funds any time, anywhere with our mobile app, text notifications and bill pay option. For details on these and many other useful services, please give us a call at 870-793-4441.


Save and invest your money safely and securely.



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


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.


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

personal 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

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.

Click Here to Submit a Loan Payment with a Credit/Debit Card


competitive personal loans


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.


Providing families with an avenue of preserving wealth and estates.

trust services 1


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.

Contact us at 870-698-6371 or email us at sends e-mail)  about the following trust and estate-planning services.

Trust Services Overview and Newsletter

personal trust manage


Let us help you manage and transfer your assets.

Our trust division 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.

preserve trust services


Select the best options for preserving your wealth.

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

trust services 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 division.

additional notes


  • Not a Deposit
  • Not FDIC Insured
  • Not Guaranteed by the Bank
  • Not Insured by any Federal Government Agency
  • May Go Down in Value



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

Debit Card


Secure and convenient.

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 instant issue debit card. 


Cash Managment


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



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



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!



24-Hour Telephone Banking

When to Bank is Your Call. 

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, 1-855-222-8225 (1-855-ACCTBAL) to inquire about balances, transactions or transfer between accounts.

Click Here for more information about our 24-Hour Telephone Banking option.

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. 

To learn more about these or any of our other products and services, please contact one of our account specialists at (870)793-4441.