Bringing You More Banking Options

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Welcome to The Citizens Bank

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News

Computer-related crimes affecting businesses and consumers are frequently in the news. While federally insured financial institutions are required to have vigorous information security programs to safeguard financial data, financial institution customers also need to know how to steer clear of fraudsters. This guide, developed by the Federal...
Cyber threats have evolved and increased exponentially, occurring on a more frequent basis and with greater sophistication than ever before. Because financial institutions are dependent on technology for critical operations, decisions related to new products and services, along with general technology investment decisions, may expose financial...
Computer-related crimes affecting businesses and consumers are frequently in the news. While federally insured financial institutions are required to have vigorous information security programs to safeguard financial data, financial institution business customers also need to know how to steer clear of fraudsters.This guide, developed by the...

Products & Services

Savings Accounts

Savings Account*
The Citizens Bank pays a competitive rate of interest compounded quarterly.
A minimum deposit of $50 is all that is required to open your account. There is no charge for withdrawals up to 3 per calendar quarter; however a $1.00 charge will be made on each additional withdrawal. There will be a $2.00 charge if the minimum balance falls below $50.00 on any day of the calendar quarter.
Limitations on frequency of transfers - During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution

Christmas Club*
Our Christmas Club requires no minimum opening deposit. Deposits may be made for any dollar amount at any time. Inerest will be credited into this account annually on the November 14th. All checks will be distributed by the end of November. Any account closed before this date will receive no interest.

Certificates of Deposit*
Certificates of Deposit are designed for a predetermined time and amount. The Citizens Bank CD's are available in maturities from 31 days to three years, with a required minimum deposit of $1000. Interest is based on the current market rate and is set for the term of the CD at the time of purchase. A penalty may be assessed for early withdrawal.

Individual Retirement Accounts*
Your future is secure with The Citizens Bank individual retirement account. If you qualify, it is possible to defer income tax on a portion of your income by opening an IRA account. Withdrawals may begin at age 591/2 and must begin by age 701/2. Substantial penalties as prescribed by law may be charged for early withdrawals from your IRA account.

* The Citizens Bank interest rates vary and are set periodically according to market conditions and are calculated on daily balances. See full disclosure for details regarding crediting, compounding and other specific account details.

Personal Checking

Personal Checking*
No monthly service charges are incurred when you maintain a minimum balance of $1,000.00. Should your account balance drop below this level, a monthly maintenance fee of $7.00 and $.22 per debit will be charged for all activity during the statement cycle.

Big C Club Checking Account*
There is no minimum balance requirement on the Big C Club checking account. Joint and family plans are available which include an accidental death and dismemberment insurance policy* and unlimited check writing for a flat monthly fee.
* This insurance product is NOT GUARANTEED OR INSURED by any depository or affiliate.
* NOT INSURED by Federal Deposit Insurance Corporation (FDIC)
* NOT INSURED by any Federal Government Agency

Now Checking*
Interest is paid on the Now account at a market rate. No service charge will be incurred on accounts maintaining $1,000 daily balance. A charge of $7.00 plus $.20 per debit will be assessed if the balance falls below $1000.00 any day of the statement cycle.

Super Now Account*
Interest is paid on the Super Now account at a market rate. No service charge will be incurrred on accounts maintaining a $2500 balance. A charge of $15.00 will be accessed if the balance falls below $2500.00 any day of the statement cycle.

Money Market*
Our Money Market account pays interest at a market rate and has no service charge on balances of $2,500 or more. If the balance falls below $2,500 anytime during the statement cycle, a $15.00 fee will be charged. If the balance falls below $2,500 anytime dring the statement cycle a fee of $.25 per debit will be charged.

Limitations on frequency of transfers - During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

*The Citizens Bank interest rates vary and are set periodically according to market conditions and are calculated on daily balances. See full disclosure for details regarding crediting, compounding and other specific account details.

Express Banking

The Citizens Bank offers a complete automated account information system that is open 24-hours a day. To access the system dial 229-686-6902. Information is available on many accounts and services including:

  • Checking Accounts
  • Savings Accounts
  • Loan Accounts
  • Certificates of Deposit
  • Individual Retirement Accounts

Be sure to have account information available, such as your checking account number, to access your account information.

Loan Services

The Citizens Bank offers the following Loan Services.

  • Personal loans for home improvement, vacations, boats, recreational vehicles and other worthwhile purposes.
  • Automobile loans to purchase your new or used automobile at competitive rates and terms.
  • If you are purchasing a new home or real estate, constructing a new home or need to refinance your existing mortgage, we can assist you in finding the right plan to fit your needs.
  • Growth in the business community is important to the continued growth of the community and a full range of financing is available to aid in the growth of the commercial market. Financing is available for all types of business.
  • With a Home Equity Line of Credit, borrowing is as convenient as writing a check, or just a phone call away.

NOTICE

S.A.F.E. Act Disclosure-Mortgage Loan Originator numbers for The Citizens Bank (806198)

  • H.Steven Perry               807640
  • Robert B. Griner             807641
  • Robert W. Watson           807647
  • Charles T. Paulk             1096806
  • Cara (Cissy) F. Gooden   1156064
  • Sherry Lynn Purvis          200366
  • Jeff D. Taylor                  807646
  • Garrett L Copeland         784043
  • Sarah Lou Odom             807644
  • Amber Michelle Brown     1508054

Commercial Account Services

Business Checking Accounts 
Our Business Checking Account offers free checking for balances greater than $1,000. For balances below $1,000, the monthly service charge is $7.00 plus $.20 per debit.

Specialty Account Services

The Citizens Bank offers the Cardinal Club* specialty checking account with many customer benefits.

A special program for customers 50 years of age or more. Designed as an interest bearing account, there is no minimum opening deposit and no minimum daily balance requirement. You must maintain a daily balance of $500.00 to obtain the annual percentage yield. Complimentary services are as follows:

  • Free Cashier's Checks
  • Free Traveler's Checks
  • Free Money Orders
  • Direct Deposit Set-up
  • 25% Discount on Safe Deposit Box Rental
  • Notary Services
  • Free 50 package starter checks
  • Unlimited check writing
  • Free Photocopies

*The Citizens Bank interest rates vary and are set periodically according to market conditions and are calculated on daily balances. See full disclosure for details regarding crediting, compounding and other specific account details.

Hours & Locations

Address: 

301 S. Davis Street
Post Office Box 128
Nashville, GA 31639

Telephone: 
229-686-7444
Fax: 
229-686-3079
24-Hour Info: 
229-686-6902
Lobby Hours: 

Monday-Thursday
9:00 AM - 4:00 PM

Friday
9:00 AM - 5:00 PM

Drive-Thru Hours: 

Monday-Thursday
8:00 AM - 4:00 PM

Friday
8:00 AM - 5:00 PM

ATM: 
Onsite
Address: 

407 Pattern Avenue
Ray City, GA 31645

Telephone: 
229-455-2111
Fax: 
229-455-3266
24-Hour Info: 
229-686-6902
Lobby Hours: 

Monday-Thursday
9:00 AM - 4:00 PM

Friday
9:00 AM - 5:00 PM

Drive-Thru Hours: 

Monday-Thursday
8:30 AM - 4:00 PM

Friday
8:30 AM - 5:00 PM

Closed Daily: 
1:00 - 2:00 PM
Address: 

Post Office Box 250
101 N. Hutchinson Avenue
Adel, GA 31620

Telephone: 
229-896-7402
Fax: 
229-896-7406
24-Hour Info: 
229-686-6902
Lobby Hours: 

Monday – Thursday
9:00 am – 4:00 pm
Friday
9:00 am – 5:00 pm

Drive-Thru Hours: 

Monday – Thursday
8:00 am – 4:00 pm
Friday
8:00 am – 5:00 pm

ATM: 
Onsite
Address: 

4060 Bemiss Road
Valdosta, GA 31605

Telephone: 
229-247-5266
Fax: 
229-247-5479
24-Hour Info: 
229-686-6902
Lobby Hours: 

Monday – Thursday
9:00 am – 4:00 pm
Friday
9:00 am – 5:00 pm

Drive-Thru Hours: 

Monday – Friday
9:00 am – 5:00 pm

ATM: 
Onsite

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