| Description | |
| 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. |
| Bank by Mail | Special envelopes are provided free to our checking and savings customers for this convenient service. |
| Credit Card | Prime Advantage - No annual fee, low variable annual percentage rate, 25 day grace period on purchases. The Prime Advantage card means fast, easy and convenient worldwide acceptance. |
| Debit Card | Our VISA 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. |
| 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, 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. |
| Traveler’s Cheques | Planning a trip? Consider taking traveler’s checks in lieu of cash. Traveler’s checks are convenient, affordable and safer than carrying large amounts of cash as they are registered in the purchaser’s name and can easily be replaced if lost or stolen. Traveler’s checks are available at any of our branches. |
| 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. |
 Member FDIC |
Citizens Bank
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 Equal Housing Lender |
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