The Small Bank Making a Big Difference for North Alabama.
Today’s banking customers have come to expect convenient, advanced financial services. What you may not expect is truly personalized customer service from someone who takes time to understand your specific needs. At Citizens Bank & Trust, we believe you deserve both aspects in your banking relationship. We are committed to delivering that high level of satisfaction with every transaction, phone call and other banking experience.
We also believe being a community bank is more than a cliché. Citizens Bank & Trust is locally-owned and North Alabama-based, and that means we are of the community, not just in it. Our decision-makers are people you can talk to across the desk, not state lines. And they are often the same people you see at the grocery store, community activities and the many civic and charitable events Citizens is proud to support.
Citizens Bank & Trust customers enjoy a wide array of excellent banking products and services. Whether it's checking, savings, card services, loans or other services, we add the personal touch to ensure your needs are met with a smile.
Our checking options are a great example, with accounts that earn high interest and other rewards with no minimum balance requirements. It's a win-win way of banking that puts money back in your pocket.
Technology is also on your side with Citizens, with excellent online and mobile banking to keep your finances in order with secure, convenient solutions. And when it comes to business banking, we mean business — in a big way. Our commercial banking services are streamlined, responsive and designed to keep your business operating smoothly.
Every customer’s needs are unique, and that’s where the small touches of our personalized service make a big difference. Since we opened our doors in 2003, Citizens Bank & Trust has grown to include branches in Albertville, Arab, Cullman, Guntersville, Hazel Green, New Hope, Elkmont and Rogersville, plus a separate Mortgage Department and a Wealth Management division. As we have grown, so has our commitment to being every customer’s favorite bank.
Citizens Bank & Trust — small bank, big difference, and big on customer satisfaction.
Statement of Purpose & Core Values
Citizens Bank & Trust is an organization established on Christian values that serves its community by providing quality financial services while delivering an exceptional customer experience. Below are our Core Values.
We do the right thing.
Operate with integrity and build trust.
We build loyal relationships.
Listen and seek to understand.
We exceed expectations.
Be proactive, anticipate customer needs, and act with a sense of urgency.
We serve our community.
Our bank is committed to the investment of time and resources to grow our community.
We are positive and professional.
Act with class.
We choose to make a difference.
Encourage and invest in others.
We are accountable.
Be responsive and respectful.
We pursue growth and knowledge.
Take initiative to learn daily.
We take ownership.
We are empowered to make decisions.
We embrace opportunities and challenges.
Welcome change with optimism.