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Mobile Banking


Our mobile app has a new look! Download it at the "App Store" or on "Google Play". Search CBTKY for best results or use the quick link when logging into our existing app. See below on for device features, setup and enrollment.

NEW!! Also, be sure to download our new banking app optimized for your iPad at the "App Store.".



Access Your Accounts
Your cell phone is more than just a way to update your Facebook status or get directions when you're lost. With our free mobile banking services, you can use it to access your CBT accounts anytime, anywhere.

Stay on top of your accounts no matter where you are. Mobile banking makes it easy! The best part- you don't even need a smartphone to use it. As long as your phone can send a receive text messages you can bank from the palm of your hand.

From your mobile device:

Visit the "iTunes Store" or "Google Play Store" and search "CBTKY" to download.

Once you have downloaded the app sign on with your ExpressNet User ID and Password. If you're a Citizens Bank customer and not yet enrolled in online banking, click here to enroll before you can log into the app. Once enrolled see below (Moblle Banking Setup After Enrollment) for steps on getting set up.

From your desktop or laptop computer:

Select the appropriate icon below ("iTunes Store" or "Google Play") to download the app to your mobile device. You will need to sign in with your iTunes or Google Play account and download. The app will then appear in your available downloads on your device.

Click to download app  Click to download app

A Citizens Bank, security is always our top priority. Log in with your ExpressNet User ID and Password.

Account information is never stored on your phone and data transmissions are encrypted with the same secure technology as online banking.

Remote Deposit Anywhere NEW!!
No more driving to the bank to deposit a check. Simply choose the Remote Deposit Anywhere feature in your Mobile Bankin App by Citizens Bank. Terms and conditions apply.
Learn more

Transfer Funds
Simply select which accounts you want to transfer to and from. Determine what amount you want to transfer and the money is instantly transfered and available.

Pay Your Bills
Now you can pay your bills to the vendors you set up in your ExpressNet Online Banking account, on the go. You can either make a one-time payment or set up a convenient recurring payment from your Citizens Bank accounts.

Find an ATM or Branch
Easily locate the Citizens Bank branch or ATM closest to you by using the GPS on your mobile device.

View Alerts
Stay in touch with your funds in your account(s) with an alert when it reaches a certain level. Staying informed can help prevent fraud and overdraft fees. You can also be reminded of personal alerts that are set up in your ExpressNet Online Banking account.


Don't have an iPhone or Android phone? No problem. Simply follow the steps below and access your account information to make transactions from your phone's web browser. Citizens Mobile Bankins provides fast, free*, and easy access to your accounts.

Mobile Banking Setup After Enrollment

Step 1
Log onto your ExpressNet account at

Step 2
Select Options>Mobile Setting>Web Mobile Banking.

Click the box next to any accounts you want to be able to access from your cell phone. You may choose one or all of your accounts. You can edit this selection at any time.

Enter your mobile phone number in the boxes provided.

Select your wireless provider in the drop-down menu.

Reveiw the Mobile Banking Agreement and click "I Agree."

A text message with enrollment confirmation will be sent to your mobile device following the completion of the Mobile Settings.

You may now begin using your mobile phone to access your accounts.

Step 3
Access the CBTKY Mobile site at and enter your ID and password. (NOTE: Some iPhone browsers require the following link to access the Mobile Site (

Don't have a smart phone? No problem. Simply follow the steps below to set up Text Banking.


Text Banking

Text Banking is a free* service which allows you to quickly request and receive account information via text message. Citizens' Text Banking is just as secure as our other eBanking services.

Step 1. Log into ExpressNet

Step 2. Select Options>Mobile Settings>Text Mobile Banking

Step 3. Enter in your mobile phone number, select accounts to access via text and create a Mobile Short Name for each selected account. Click Submit.

Step 4. Review enrollment information. Click I accept these full terms and conditions and click Confirm.

Step 5. Text the validation code provided on the confirmation screen - Citizens Bank's short code to complete the enrollment process.

 Most popular text comands:

  • Bal = All Acct Bal
  • Bal Acct Name = Single Acct Bal
  • Hist = All Accts Recent Activity
  • Hist Acct Name - Single Acct Activity
  • Help = Commands
  • Stop - Cancel


Valid SMS Messages

5-digit number - Security code to be sent when enrolling originally or changing enrollment information

Help - Returns command references

Bal - Returns balance for all enrolled accounts.

Bal - Returns balance for specific accounts

Hist - Returns last 4 transactions for all enrolled accounts

Hist - Returns last 4 transactions for specifed account.

Stop - Disables enrollment for text mobile banking.

Note: Messages are not case sensitive. The mobile short name is the name that will be included in the text request information for a specific account.

*There is no fee from Citizens Bank & Trust Company. Connectivity and usage rates may apply. Contact your wireless service provider for more details. _


 Your mobile carrier's message and data rates may apply.

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