ATMs For your convenience, access your account information 24 hours a day – 7 days a week.  Make deposits, withdrawals, check account balances and transfer funds. We now offer surcharge-free ATMs. The MoneyPass network offers thousands of surcharge-free ATMs coast to coast located where you live, work and travel. This locator will help you find the most convenient ATM location to use your MoneyPass card surcharge-free. Visit to find out more.
Bank by Mail Special envelopes are provided free to our checking and savings customers for this convenient service.
Debit Card Our MASTERCARD debit card makes it faster and easier to make purchases in person, online, or by phone.  If you need cash, our debit card also serves as an ATM card. We also offer a free business debit card for business customers. To Report a Lost or Stolen Debit Card after hours please call 1-800-264-5578 and they will be happy to assist you.
Image Statements Reviewing and filing your statements has never been easier. Each month we’ll send you reduced images of your checks numerically and we also provide a three-ring binder for easier filing.
Lock Boxes Protect your valuables and keep your important documents safe at all times with one of our Safe Deposit Boxes. Our boxes are very affordable and are available at all offices.
Night Depository Unable to make it to the bank during business hours?  Use our convenient night deposit box to secure your banking transactions.  All  transactions dropped off after business hours are processed at the beginning of the next business day.
Official Checks Official checks can be purchased at any of our branches.   We can check on the status of these checks and also place a stop payment , if it becomes lost or stolen.
Notary Service This service is available at no charge to our customers.
Overdraft Privilege Our overdraft privilege is designed to automatically assist you when you may inadvertently or have the occasional need to overdraw your checking account. This service allows the insufficient checks to be paid, charging you our normal overdraft fee of $26, without the worry of embarrassment and another return check charge from the retailer.
Telephone Banking This 24-hour service enables you to access your personal account information using any touch tone phone 24 hours a day, 365 days a year.  With phone banking, you may perform the following functions: Get current balance information, Gather information on your loan accounts, or Review recent transactions. To use this service simply call 615-666-9164 in Lafayette, 615-735-2419 in Smith County, 931-243-4590 in Celina, or toll free at 1-800-318-5540.
Wire Transfers Wire transfers are a quick and easy way to transfer money from one bank to another.  Citizens Bank originates and receives both domestic and international wires.           

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By continuing with this online application process, you agree that we may provide you this Agreement & Disclosure and any revisions and amendments to this Agreement & Disclosure in electronic form; and that, if you choose to accept the Agreement & Disclosure, you are consenting to enter into and are entering into an Agreement electronically that will govern all future transactions you conduct using the online services and agree to be bound by its terms.

All you need to use the online services and to receive this Agreement & Disclosure and any future information is a computer and modem (including a monitor) capable of accessing the Internet and sending/receiving e-mail, along with a printer capable of printing copies if you wish to retain records in paper format. You will also need a domestic and secure browser with 128-bit encryption (such as Netscape Navigator 6.0 or a later version, or Microsoft® Internet Explorer 7.0 or a later version). You must use Microsoft® Windows 98 or a later version, or Macintosh OS 9 or a later version. You must have a computer hard drive capable of storing data, if you wish to store electronic communications. You must also have Adobe® Acrobat® Reader® software or Adobe® compatible software, so you can view any Adobe® PDF files.

From time to time, we may deliver certain information to you that is required by law or regulation to be provided to you in writing or regarding information about our online services. By selecting the “I AGREE” button below, you agree that we may provide you revisions and amendments to this Agreement & Disclosure and such other information, including but not limited to information under Regulation E and under other applicable banking or financial services laws or regulations in connection with the services, electronically as a part of the Agreement & Disclosure or otherwise as a part of online services. If you wish to withdraw consent to receive information electronically there is no charge to terminate the services or to update your information. You may call us at 866-666-2195 or send a letter to Electronic Banking Department at P.O. Box 100, Lafayette, TN 3708.

You may print and retain a copy of this Agreement & Disclosure or any future information sent to you electronically. You may also obtain a free copy of this Agreement & Disclosure, and amendments to it, and other communications about the service in paper form by writing or calling us at the below address and telephone number:

Citizens Bank of Lafayette
P.O. Box 100
Lafayette, TN 37083