Please click on the labels of what types of products offered by Citizens Bank & Trust Company you would like to learn more about below.
With Online Banking, customers can easily log-in and view their eStatements, pay bills, schedule transfers, view any recent transactions made for their account(s) with us, and more! To access an account, simply type in the account's Access ID into the Online Banking Login field in the upper-right corner of the website.
Mobile Banking is available for mobile devices on the App Store and Google Play for customers to be able to access their account anywhere they go. Included with this, they can pay bills using the app and connect their account with partnered-services, such as Popmoney, which allows you to accept payments through the mobile device on-the-go.
A Free Account for Everyone!
No Minimum Balance - No monthly service charge - Free first book of checks -
*Minimum opening deposit is only $50. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule, signature agreement and other disclosures for details.
For more information about a Simply Free Checking account, please call (580) 226-4610.
Open a Simply Free Checking AccountA great account for those interested in higher interest!
- Free first book of checks - Higher interest rate with a balance of $1,500 or more - Competitive interest if balance falls below $1,500 - Only $6 monthly charge if balance falls below $1,500.
*Minimum opening deposit is only $50. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule, signature agreement and other disclosures for details.
For more information about an Elite Interest Checking account, please call (580) 226-4610.
Open an Elite Interest Checking AccountA perfect account for customers 50 and over!
- Free personalized checks - Competitive Interest - No minimum balance - No monthly service charge.
*Minimum opening deposit is only $50. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule, signature agreement and other disclosures for details.
For more information about 50+ Interest Checking, please call (580) 226-4610.
Earn Interest with the convenience of direct deposit or any automatic payment!
- Free first book of checks - Competitive Interest - No minimum balance - No monthly service charge.
*Minimum opening deposit is only $50. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule, signature agreement and other disclosures for details.
For more information about Direct Interest Checking, please call (580) 226-4610.
Open a Direct Interest Checking AccountThe minimum amount needed to open a Simply 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 a balance falls below $50.00 during the quarter, a $3.00 service charge will be assessed. Please note that interest is forfeited if an account is closed prior to the end of a quarter.
For more information about Simply Savings accounts, please call (580) 226-4610.
Open a Simply Savings AccountThe minimum amount needed to open a Kids Savings Club Account is $5.00.
Our The Kids Savings Club Account is much like a Regular Savings account. Each time your child comes in to make a deposit, CBT will update his/her savings account register. For deposits totaling $2.00 or more, a special surprise will be given to your child 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 the account is closed prior to the end of a quarter.
With a Christmas Club Account, customers can put money towards shopping for the holiday season next year by paying in increments of their choice ($10.00, $20.00, or $50.00 weekly) for 49 weeks of the year; the bank will take care of the payment the 50th week. 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.
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 customers use an ATM other than a CBT ATM. 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.
To activate or set a 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.
Individual Visa and MasterCard Credit Cards are available through Citizens Bank & Trust Company. A merchant credit card processing program is also offered.
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 currently offered.
| 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 |
Plan now for the future by opening an Individual Retirement Account (or "IRA") with Citizens Bank & Trust Company. Both Traditional and Roth IRAs are offered.
For more information about Individual Retirement Accounts, please call (580) 226-4610.
We offer Traditional IRA accounts. Please consult your tax advisor for eligibility requirements or visit the Internal Revenue Service web site.
We offer Roth IRA accounts. Please consult your tax advisor for eligibility requirements or visit the Internal Revenue Service web site.
For more information about any of the following products, please call (580) 226-4610.
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.
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 a customer reloads the travel card, there will be a $4.50 fee. There is no monthly fee for it unless the card is not used for 12 consecutive months; in which case, there will be a $2.95 monthly inactivity fee until the card is used again.
Customers can also purchase a companion card at the time of purchase 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 customers use their Travel Card without a PIN, as a credit transaction, or a point-of-sale transaction.
Register a card online and check a 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.
Visa Gift Cards can be used anywhere Visa is accepted. Purchase one today at any of the Citizens Bank & Trust Company locations! They are $5.00 each.
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.