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Services

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

ATM Services

Citizens Bank & Trust Company has seven convenient ATM locations throughout Ardmore, Oklahoma. Initial debit cards with are free, and there is no charge for use at an ATM owned by the bank.

See the Products page of our website for more information pertaining to the different types of products offered to CBT customers, more information about debit cards, and the UChoose Rewards program.

ATM Locations

A map for all of our ATM locations can be found at the ATMs & Map page.
The following is a list of all locations of CBT ATMs throughout Ardmore:

ATMs Locations
Main Bank 1100 North Commerce Street
Downtown Branch 10 West Main Street
Dickson Branch Highway 199 & US-177
Walmart Supercenter 1715 North Commerce Street
Tiffany Plaza 2015 West Broadway
Southern Oklahoma Technology Center 2610 Sam Noble Parkway
Urban Air Trampoline Park 1601 Woerz Way
Longhorn Express – Valero 15045 US HWY 70
Daily Limits & Service Fees

There are daily limits to PIN-based transactions for debit transactions as well as other service fees that may be charged depending on where a customer is using their debit card or how much transactions have been made to the account.

Personal Cards:

There is no charge for using an ATM that is owned by Citizens Bank & Trust Company; a $1.00 fee will be charged at the time of withdrawal is a customer is using a foreign ATM. PIN-based transactions have a $500.00 daily limit or available balance. Point-of-sale, signed, or credit transactions have a $2,000.00 daily limit or available balance. If a customer's card goes missing, personal cards can be replaced for $5.00 each.

Business Cards:

Business Cards operate in much of the same regard with the exception being for point-of-sale, signed, or credit transactions that have a $4,000.00 daily limit or available balance. If a business card goes missing, it can be replaced for $10.00 each.

Trust Services

The Trust Department for Citizens Bank & Trust Company provides the services listed below. Questions or Inquires may be made to the trust department. The offices are located at 10 West Main Street in the Colston Building and the phone number is (580) 220-2750.

Citizens Bank & Trust Company, a state banking organization with trust powers and with its principal place of business in Ardmore, Oklahoma, serves in the following ways:

  • Estate Settlement Services: Serves as Personal Representative* of decedents' estates with or without a valid Oklahoma Will.
  • Personal Trust Services:Although Citizens Bank & Trust Company cannot prepare legal documents such as trusts and wills, we can explain in detail how trusts are managed and administered by professional fiduciaries. We can also provide the customer with helpful information and checklists regarding the process of planning an estate.
  • Investment Services By opening an Investment Management Account with a simple letter agreement, customers can receive investment recommendations and supervision for fixed income and equity securities from experienced investment professionals without the prospect of a sales commission influencing the advice. Securities trades can be directed to specified brokers or executed through brokers selected by the Bank. Discount brokers are available when preferred. All trades are permanently recorded in our customer-friendly statements and all securities are listed with cost and market value figures side-by-side for easy comparison.
  • Securities Custody Services:Custody accounts are easily opened with a simple letter agreements and, once opened, the account can hold securities, cash, or a combination of both. Purchases and sales are made at the customer's direction and the accounts are designed for individuals or organizations that wish to make their own investment decision. Securities trades can be directed to specified brokers or executed through brokers selected by the Bank. Discount brokers are available when preferred. All trades are permanently recorded in customer-friendly statements and all securities are listed with cost and market value figures side-by-side for easy comparison.
  • Dividends, interest, and other receipts (such as oil and gas royalties) are collected and deposited to the account on a daily basis and all transactions appear in detail in statements. At the end of the year, income tax statements summarizing all taxable transactions are automatically forwarded to the customer's preferred mailing address.
  • Accumulated income can be reinvested, remitted to the customer, or credited to an account of the customer's choice. All securities and cash in the account are held by the Bank for safekeeping and are subject to examination and audit on a regular basis.
  • Retirement & IRA Services: Offers a wide variety of retirement services including, but not limited to, profit-sharing plans, 401k plans, money purchase pension plans, and self-directed Individual Retirement Accounts.

*In Oklahoma, the term "Personal Representative" has now replaced the terms "Executor," "Executrix," "Administrator," and "Administratrix."

Estate Settlement Services

Services include the collection and security of assets, collection of income, payment of valid claims, filing of income and estate tax returns, complete record keeping of transactions and assets during administration, and distribution of estate assets. All services are provided pursuant of Oklahoma statutes and under the supervision of the District Court located in the proper county for administration of the decedent's estate.

Because fees for Personal Representatives' services are fixed by statute in the State of Oklahoma, the services of a professional fiduciary are available at no greater cost than that of a family member. The settlement of an estate by an experienced and independent fiduciary can be a most valuable service to any family.

Personal Trust Services

Services include the safekeeping and investment of trust assets, collection and distribution of trust income, management of real estate and minerals, accurate and timely reporting of trust transactions and assets, fiduciary tax compliance, and private financial counseling with trust beneficiaries. All services are personally performed by Trust Department personnel (see Trust Personnel) in a competent, efficient, economical, and confidential manner. All services are subject to examination by external auditors and bank examiners on a regular, recurring basis.

Although Citizens Bank & Trust Company cannot prepare legal documents such as trusts and wills, we can explain in detail how trusts are managed and administered by professional fiduciaries. We can also provide you with helpful information and checklists regarding the process of planning your estate.

Investment Services

By opening an Investment Management Account with our simple letter agreement, customers can receive investment recommendations and supervision for fixed income and equity securities from experienced investment professionals without the prospect of a sales commission influencing the advice. Securities trades can be directed to specified brokers or executed through brokers selected by the Bank. Discount brokers are available when preferred. All trades are permanently recorded in our customer-friendly statements and all securities are listed with cost and market value figures side-by-side for easy comparison.

Dividends, interest, and other receipts (such as oil and gas royalties) are collected and deposited to the account on a daily basis and all transactions appear in detail in our statements. At the end of the year, income tax statements summarizing all taxable transactions are automatically forwarded to the customer's preferred mailing address.

Accumulated income can be reinvested, remitted to the customer or credited to an account of the customer's choice. All securities and cash in the account are held by the Bank for safekeeping and are subject to examination and audit on a regular basis.

Securities Custody Services

Custody accounts are easily opened with one of our simple letter agreements and, once opened, the account can hold securities, cash, or a combination of both. Purchases and sales are made at the customer's direction and the accounts are designed for individuals or organizations that wish to make their own investment decision. Securities trades can be directed to specified brokers or executed through brokers selected by the Bank. Discount brokers are available when preferred. All trades are permanently recorded in our customer-friendly statements and all securities are listed with cost and market value figures side-by-side for easy comparison.

Dividends, interest, and other receipts (such as oil and gas royalties) are collected and deposited to the account on a daily basis and all transactions appear in detail in our statements. At the end of the year, income tax statements summarizing all taxable transactions are automatically forwarded to the customer's preferred mailing address.

Accumulated income can be reinvested, remitted to the customer, or credited to an account of the customer's choice. All securities and cash in the account are held by the Bank for safekeeping and are subject to examination and audit on a regular basis.

Retirement & IRA Services
I. Qualified Retirement Plans

For corporations or self-employed individuals, a qualified retirement plan represents one of the last remaining income tax shelters that benefits businesses and employees alike. Citizens Bank & Trust Company offers profit-sharing, 401k, and money purchase pension plans that are already qualified with the Internal Revenue Service and adoption of a plan is as simple as answering a series of questions contained in an adoption agreement.

Once the plan is established, the Bank provides full investment and record-keeping services for participants and the employer. Contributions to the plan can be permitted for the employer and employees under many different arrangements. Most contributions are tax-deductible and all earnings in the plan are deferred.

At the end of each year (or more frequently if the employer desires), participant statements and certificates are printed showing each participant's share of the plan's assets. A properly designed retirement plan can provide an enjoyable retirement for owners and employees as well as significant income tax benefits for companies and self-employed individuals.

II. Individual Retirement Accounts (IRAs)

The Bank offers self-directed IRAs for those individuals that wish to select their own investments. These accounts are particularly well-suited for individuals receiving lump-sum distributions from corporate retirement plans due to the tax-deferred "rollover" treatment afforded those distributions.

All self-directed IRAs receive services similar to securities custody accounts which are discussed elsewhere under Trust Services (see the "Securities Custody Services" section, herein).

NOTICE: Trust Department Accounts
  • Are NOT Citizens Bank & Trust Company deposit accounts.
  • Are NOT obligations of or guaranteed by any Bank, Citizens Bank & Trust Company, or any subsidiary or affliate.
  • Are NOT insured or guaranteed by the FDIC or any other govermental agency. Can involve risks, including possible loss of principal amount invested.
Citizens Connection

The Citizens Connection is a 24-hour information hotline available to use at 1(877)223-6250.

Citizens Connection can also be accessed online from Citizens Bank’s website. There is no fee to use this service; it allows customers to check balances, review checks or deposits that have cleared, and much more. By utilizing this service, customers can also transfer funds internally and order checks as well.

Remote Capture

Remote Capture is a service provided by Citizens Bank & Trust Company that allows customers to scan checks remotely and then transmit the check images to our bank for deposit over an encrypted Internet connection. Fees for this service are on analysis basis and are $75.00 per month for the remote capture fee and $35.00 per month for the machine.

Please contact our IT Department for additional information and rental agreement.