Skip Navigation



For your health and safety

We’re adapting our service delivery to follow the recommendations of public health officials, as we do our part to help keep our customers and employees safe and reduce the spread of COVID-19.

Restricted Access to all Lobbies

Starting Saturday, March 21, all Citizens Bank locations will provide banking services via drive-thru and ATM only.

Access to our lobbies are temporarily restricted.

Drive-thrus are available during normal drive-thru hours, and our staff is taking extra care to frequently disinfect pneumatic canisters for our visitors. Our branch ATMs are available 24/7 and are being frequently disinfected. 

For more complex transactions such as loan closings, debit cards, access safe deposit boxes, customers may call 270-465-8193 to request an in-person branch appointment.

Visit Our Website for Updates

Any changes to our service delivery will be posted on our website. You can also call us at 270-465-8193.

Safety and Security

Please join the Citizens Bank & Trust staff in helping keep our community strong. Citizens Bank’s dedicated staff and strong financial position will help us get through this natural disaster. Deposits are insured by the FDIC and as always we are committed to serving you and all your financial needs. Feel free to call us with any questions at 270-465-8193 or visit for more information.

How do I check my account without going into a branch?

We are pleased to offer a number of convenient options to help manage your banking without ever walking in to a branch. We offer drive-up banking, night drop, convenient ATM locations, mobile deposit and online and mobile banking for your convenience.

Are branches adopting modified hours or closing?

For the health and safety of our staff and customers, we closed all branch lobbies to the public on March 21. All drive-ups are open during regular business hours and night drop services continue uninterrupted.
In branch appointments can be made for specialized transaction or accessibility needs. Please call 270.465-8193 to set up an appointment. We also  have other flexible banking options to help you with your banking needs.
Bank by Phone: Call us Monday through Thursday 8 a.m. to 5 p.m., Fridays from 8 a.m. to 6 p.m., and Saturdays from 8 a.m. to 12 p.m.
Digital Banking Options: Online Banking and Mobile Banking with Remote Deposit Anywhere is available 24/7.
ATM Availability: All ATMs are available 24/7 at our convenient locations. See locations

When will Citizens Bank branch lobbies be reopened?

We are closely monitoring local, state and federal government recommendations to determine when branches can resume normal operations. Until then, we look forward to serving your financial needs through on of our other channels.

Will I have access to my money easily, if branch lobbies are temporarily closed?

Yes, any funds in your checking and savings accounts are available to you when you need it. Federally-insured accounts are the safest places for your deposits because of the insurance and protections that come with your account.
All deposits made to your Citizens Bank accounts up to $250,000 are covered by the FDIC. For more information about deposit insurance or to understand coverage for deposits exceeding $250,000, please visit the FDIC's deposit insurance page or talk to us to discuss options.
We also want to remind your that Citizens Bank is a 5-Star rated financial institution. this is the highest possible rating given by Bauer Financial, an independent bank research firm, and speaks to the strong position of the bank. 

What's the easiest way to access my money and manage my account while branch lobbies are temporarily closed?

Your debit card provides easy, convenient access to  your money through ATMs. You get free access to Citizens Bank ATMs.
In addition, our online banking and mobile banking allow you to complete a number of secure transactions easily. With online banking, you can:
  • Receive and send money
  • Transfer money between accounts
  • View Balances
  • Schedule and pay bills
  • Deposit checks with the mobile app

What is your process in the event a Citizens Bank employee is exposed to someone with COVID-19?

The health and safety of our staff and customers is of vital importance to us. We ask all Citizens Bank employees to self-quarantine for 14 days in the event they are exposed to COVID-19.

How do I download Citizens Bank's mobile app?

Download App - Android

How do I deposit a check with the Citizens Bank mobile app?

With the Citizens Bank mobile app, it's possible to deposit checks. Just pick the account for deposit, take pictures of the front and back of your signed check, verify the amount and submit. To learn more visit our Remote Deposit Anywhere page.

How do I access online banking?

For access to online banking, sign up by clicking the link in the top right of our website. Click the ExpressNet Login button and click "Enroll Now".

Should I withdraw funds to have cash on hand?

It's really a personal preference. Some cash is good to have on hand, but generally your money is the safest in your bank account. Leaving cash in the bank allows for more flexibility to pay bills online or send money to friends or family digitally. Also, Citizens Bank accounts offer protections and insurance that you can't get with cash. All deposits up to $250,000 are covered by the FDIC. For more information about deposit insurance or to understand coverage for deposits exceeding $250,000, please visit the FDIC's deposit insurance page or talk to us to discuss options.

Small Business Guidance and Loan Resources

There are specific programs to assist small business related to COVID-19 (coronavirus) impacts. The U.S. Small Business Association has compiled a list of information here.