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Account Type: Personal Commercial
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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, 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:

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.

Simply Free Checking

   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.    

Elite Interest Checking

   A 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.

50+ Interest Checking

A 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.

Direct Interest Checking

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.

Other Checking Accounts
Money Market

Money Market accounts are interest bearing accounts with online statements available. Money Market accounts can have up to six debits per month without penalty.* 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 $50.00.
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.

Simply Savings

The 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.

Kids Savings Club Accounts

The 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.

Christmas Club Accounts

With a Christmas Club Account, customers can put money towards shopping for the holiday season next year by paying in increments of their 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. 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 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.

Using Verified by Visa, customers can register their debit card through the Visa network. The security and privacy of 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 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.

Credit Cards

Individual Visa and MasterCard Credit Cards are available through Citizens Bank & Trust Company. A merchant credit card processing program is also offered.

UChoose Rewards

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

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 currently offered.

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
Individual Retirement Accounts (IRAs)

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.

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").

Traditional IRA:

We offer Traditional IRA accounts. Please consult you tax advisor for eligibility requirements or visit the Internal Revenue Service web site.

Roth IRA:

We offer Roth IRA accounts. Please consult you tax advisor for eligibility requirements or visit the Internal Revenue Service web site.

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 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.

Gift Cards

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

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.

Personal Credit Card

We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do.

Personal Card – Low Rate

Features

  • No annual fee.
  • Low introductory rate for the first six months. 1
  • Competitive ongoing APR. 1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net .
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits.
  • Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

Personal Card –World / Preferred Points Rewards

Features

  • Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Low introductory rate for first six months. 1
  • Competitive ongoing APR. 1
  • No annual fee.
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.
  • Unlike some card offers, the APR 1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

To Apply Now
  • Download the PDF application.
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
  • Fax your completed application to the Card Service Center at 877-809-9162.

Or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120

1Please see application for information about current APRs and fees.