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Personal Products

Please click on the labels of what types of products offered by Citizens Bank & Trust Company you would like to learn more about below.

Online Banking

With Online Banking, you can easily log-in and view your eStatements, pay bills, schedule transfers, view any recent transactions made for your account(s) with us, and more! To access your account, simply type in your account's Access ID into the Online Banking Login field in the upper-right corner of the website.

Mobile Banking:

Mobile Banking is available for mobile devices on the App Store and Google Play for you to be able to access your account anywhere you go. Included with this, you can pay bills using our app and connect your account with partnered-services, such as SpotPay, which allows you to accept payments through your mobile device on-the-go.

eCitizens

With an eCitizens account, you receive your monthly statements online through your Online Banking account with us. It also includes unlimited check writing and personalized checks can be ordered for a fee depending on the style of the check; there is no monthly service charge on this type of account.

For more information about an eCitizens account, please call (580) 226-4610.

Image Checking

With an Image Checking account, your monthly statement is mailed with images. It includes unlimited check writing and personalized checks can be ordered for a fee depending on the style of the check.

Minimum Requirements:

The minimum amount needed to open an Image Checking account is $100.00.
The following is information regarding monthly service charges for Image Checking accounts:

Conditions Monthly Service Charges
$500.00 or above $0.00
$499.99 or below $4.00
$499.99 or below with eStatements $2.00

For more information about an Image Checking account, please call (580) 226-4610.

Senior Accounts

For adults age 55 or older, these accounts provide unlimited check writing, free monthly paper statement or e-Statement with images, free checks, and no monthly service charge. Personalized checks can be ordered for a fee depending on the style of the check (one box per order).

For more information about Senior Accounts, please call (580) 226-4610.

Other Checking Accounts
Now & Super Now Accounts

Both Now & Super Now Accounts feature unlimited check writing, imaged statements, and are interest-bearing accounts. An interest-bearing account has interest based on your daily balance. Interest is forfeited if the account is closed prior to the end of the month. Please call our customer service number listed at the end of this section for more information regarding our current rates.

Now Account Requirements:

The minimum amount needed to open a Now Account is $1,200.00.
The following is information regarding monthly service charges for Now Accounts:

Conditions Monthly Service Charges
$1,200.00 or above $0.00
$1,199.99 or below $7.50
Super Now Account Requirements:

The minimum amount needed to open a Super Now Account is $2,500.00.
The following is information regarding monthly service charges for Super Now Accounts:

Conditions Monthly Service Charges
$2,500.00 or above $0.00
$2,499.99 or below $10.00
Money Market

Money Market accounts have all the same features as Now & Super Now Accounts. Where they differ from each other is that you can only have up to six debits per month on a Money Market account.* Interest is forfeited if the account is closed prior to the end of the month. Please call our customer service number listed at the end of this section for more information regarding our current rates.

Money Market Requirements:

The minimum amount needed to open a Money Market account is $2,500.00.
The following is information regarding monthly service charges for Money Market accounts:

Conditions Monthly Service Charges
$2,500.00 or above $0.00
$2,499.99 or below $10.00

For more information about these accounts, rates, and requirements, please call (580) 226-4610.

*For accounts with excessive withdrawals, Regulation D requires the account to be changed to a transaction account. Withdrawals in excess of six per statement cycle will be charged $10.00 per transaction.

$MART Checking

Earn 0.40% APY!*
The minimum amount needed to open a $MART Checking account is $100.00.
All $MART Checking customers receive eStatements. With this account, ATM fees are refunded each month (up to $2.00 per transaction, does not exceed $15.00 per statement cycle) for accounts that meet the requirements.

Requirements:

You must meet the following five requirements during each statement cycle to receive 0.40% APY* on balances up to $15,000.00 and 0.10% APY* on the portion of the balance that is greater than $15,000.00:

  1. A total of 15 posted, signed Check Card Transactions during the statement cycle (ATM withdrawals and PIN transactions do not count toward the 15 transactions). The $MART Checking statement cycle ends on the 15th business day of each month. Signed check card transactions posting on the last business day of the statement cycle will count toward your requirements for the current statement. Transactions marked with an asterisk are in the presentment stage only and have not been posted.
  2. Receive your monthly statement through eStatements.
  3. Provide a valid email address.
  4. Log onto Online Banking once during each statement cycle.
  5. Have a direct deposit or at least one automatic debit from your account.

Q: What happens if the requirements are not satisfied during a statement cycle?
A: You will earn 0.05% APY* on your entire checking balance; ATM fees will not be reimbursed. Accounts that do not qualify and the average daily balance for the statement cycle is under $1,000.00 will receive a $5.00 fee in addition to the lower 0.05% APY*.

For more information about $MART Checking accounts, please call (580) 226-4610.

*Annual Percentage Yield - The yield is current as of 2/24/14; at our discretion, we may change the yield on your account. Fees on the account could reduce earnings.
**Refer to account disclosure for additional information.

Regular Savings

The minimum amount needed to open a Regular Savings account is $50.00.
There is no limit on the number of deposits made to the account. Six withdrawals or debits can be made per quarter on the account with no fees. After the sixth withdrawal, there is a $1.50 fee per withdrawal charged to the account at the end of the statement cycle. Interest is paid quarterly and compounded daily. If your balance falls below $50.00 during the quarter, a $3.00 service charge will be assessed. Please note that interest is forfeited if your account is closed prior to the end of a quarter.

For more information about Regular Savings accounts, please call (580) 226-4610.

Kids Savings Club Accounts

The minimum amount needed to open a Kids Savings Club Account is $5.00.

Our Kids Savings Club Account is much like a Regular Savings account. Each time you come in to make a deposit, we will update your savings account register. For deposits totaling $2.00 or more, a special surprise will be given to you at the time of the transaction. There is no limit on the number of deposits made to the account. Six withdrawals or debits can be made per quarter on the account with no fees. After the sixth withdrawal, there is a $1.50 fee per withdrawal charged to the account. Interest is paid quarterly and compounded daily. Please note that interest is forfeited if your account is closed prior to the end of a quarter.

Christmas Club Accounts

With a Christmas Club Account, you can put money towards shopping for the holiday season next year by paying in increments of your choice ($5.00, $10.00, or $20.00 weekly) for 49 weeks of the year; the bank will take care of the payment the 50th week for you. The opening date for Christmas Club Accounts is in November and checks are mailed the following November; the last day to open Christmas Club Accounts is February 1st of each year.

Debit Cards

Citizens Bank & Trust Company has a debit card available that can be used at point-of-sale transactions wherever Visa is accepted. This card can also be used as an ATM card to receive cash; there is a small fee if you use an ATM other than ours. PIN-based transactions have a $500.00 daily limit or available balance. At point-of-sale, signed or credit transactions have a $2,000.00 daily limit or available balance.

Using Verified by Visa, you can register your debit card through the Visa network. The security and privacy of your purchases and payments are important. Protect your cards with your own personal password so only you can purchase with them online. It's easy, safe, and free of charge.

For more information, visit the Verified by Visa website.

To activate or set your PIN number, please call 1 (800) 567-3451.
For more information about Debit Cards, please call (580) 226-4610.

To report a lost or stolen debit card, please call 1 (800) 554-8969 or go to the Lost or Stolen Debit Card page for step-by-step instructions on what to do in a situation that your card has been lost or stolen.

Credit Cards

Individual Visa and MasterCard Credit Cards are available through Citizens Bank & Trust Company. We also offer a merchant credit card processing program.

UChoose Rewards

With UChoose Rewards, you can make purchases at thousands of merchant locations that accept Visa or MasterCard and earn points towards merchandise, travel, and more, every time you use it. Best of all, it's FREE! Log on today and check your points!

For more information, visit the UChoose Rewards website.

Certificates of Deposits (CDs)

Citizens Bank & Trust Company offers a variety of time deposits (Certificates of Deposits or "CDs"). The maturities start at seven days and can go out to five years. The list below contains the minimum deposit amounts required for all types of CDs we currently offer.

Available Certificates of Deposits:
Minimum Deposit Maturity Date
$2,500.00 7-31 Days
$2,500.00 91 Days
$2,500.00 182 Days
$2,500.00 7 Months
$100.00 1 Year
$100.00 13 Months
$100.00 18 Months
$100.00 2 Years
$100.00 30 Months
$100.00 3 Years
$100.00 4 Years
$100.00 5 Years

For more information about Certificates of Deposits, please call (580) 226-4610.

Individual Retirement Accounts (IRAs)

Plan now for your future by opening an Individual Retirement Account (or "IRA") with Citizens Bank & Trust Company. We offer both Traditional and Roth IRAs.

Traditional IRA:

If you are under the age of 70 1/2 years old and have earned an income, then you are eligible to establish an IRA. Some of the benefits of a Traditional IRA include Tax Savings, Tax-Deferred Earnings, and Retirement Security.

You may contribute any amount up to 100% of your earned income or $5,000.00, whichever is less, to your Traditional IRA. IRA owners who attain age 50 or older by the end of the year can also contribute a "catch-up" amount of $1,000.00. All earnings on your IRA contributions remain tax deferred until you make withdrawals from the account. Deductibility of your IRA contribution is based on whether or not you or your spouse is an active participant in an employer-maintained retirement plan.

Roth IRA:

If you have earned income and your modified adjusted gross income (or "MAGI") does not exceed certain limits, you are eligible to establish and make contributions to a Roth IRA. Some of the benefits of a Roth IRA include Tax-Free Earnings, Tax Savings, and Retirement Security.

The Roth IRA is a nondeductible account that features tax-free withdrawals for certain distribution reasons after a five-year holding period. Contributions to a Roth IRA cannot exceed 100% of earned income or $5,000.00, whichever is less; for married, joint filers, you cannot exceed $150,000.00 or less. If your income exceeds these amounts, you may be eligible for a partial contribution.

Since Roth IRA contributions are nondeductible and taxed in the year they are earned, poeple who expect to be in a higher tax bracket when they retire may benefit more from a Roth IRA than from a Traditional IRA.

For more information about Individual Retirement Accounts, please call (580) 226-4610.

For more information about any of the following products, please call (580) 226-4610.

Health Savings Accounts

A tax-advantaged medical savings account available to taxpayers in the United States, a Health Savings Account gives those who are enrolled a High-Deductible Health Plan (or "HDHP"). The funds contributed to an account are not subject to federal income tax at the time of deposit. Unlike a Flexible Spending Account (FSA), funds roll-over and accumulate year-to-year, if not spent.

Visa Prepaid Travel Cards

The purchase cost of a travel card is $9.95.
Load up to $3,000.00 per time, with a $10,000.00 maximum card limit. Limitations apply. Each time you reload the travel card, there will be a $4.50 fee. There is no monthly fee for it unless you don't use the card for 12 consecutive months; in which case, there will be a $2.95 monthly inactivity fee until the card is used again.

You can also purchase a companion card at the time of purchase of your own travel card for $2.95. The ATM withdrawal fee is $1.50 when used at any ATM within the country; the international ATM withdrawal fee is $3.00 and a balance inquiry via the ATM is $0.50. PIN-based transaction fees are $0.50 each, but there is no fee if you use your Travel Card without a PIN, as a credit transaction, or a point-of-sale transaction.

Register your card online and check your transaction and balance at no additional cost!
Through MyPrepaidBalance, viewing your balance is as easy as simply logging-on with a username and password anytime, anywhere and checking your balance.

For more information, visit the MyPrepaidBalance website.

Gift Cards

Visa Gift Cards can be used anywhere Visa is accepted. Purchase yours today at any of the Citizens Bank & Trust Company locations! They are $5.00 each.

Holiday Money Books

Holiday Money Books are offered through Citizens Bank & Trust Company each year. Each money book features an original design, and the money within them can be taken out as needed for various types of transactions, making it the perfect present for anyone to shop around with afterwards! For more information, please speak with an account representative.