Personal Accounts
Image Checking
Minimum to open $100.00
Monthly service charge on minimum balance for Imaged Statements $500.00 or above $ 0
    $499.99 or below $4.00
Free Checking - No Monthly Service Charge  

Senior Accounts - Image Statements and Free Checks

 No Monthly Service Charge  
  WE ALSO HAVE CLUB ACCOUNTS AVAILABLE    
   
Club Accounts
Citizens Choice Checking
Enjoy valuable benefits and services with the "red carpet" treatment you deserve, by becoming a Citizens Choice account member.
Minimum to open $100.00
No minimum balance requirement
Monthly fee: Imaged Checks $7.00
     
   
  Benefits:
Accidental death and dismemberment insurance $20,000 per account $1,500 dependent children coverage
Free personalized checks
Discount on Safe Deposit Box Rental
Free Traveler's checks, money orders and Cashier's checks
Free notary, photocopy & fax service
Identity Watchsm
Prescription Drug Discount Card
Credit Card Protection service
For more information about our Choice Checking, call (580) 226-4610.
Choice 55
If you are 55 or better, you deserve the very best! Join our Choice 55 and enjoy valuable benefits and service second to none.
Minimum to open $100.00  
Monthly Fee: Imaged Checks $3.00
       
Benefits    
$20,000.00 accidental death and dismemberment insurance. (Reduces by 50% at age 70.)    
Free personalized checks    
Unlimited debits    
Free Traveler's checks, money orders and Cashier's checks    
Free Notary, Photocopy and Fax Services    
Credit Card Protection Service    
Identity Watchsm    
Discount on Safe Deposit Box rent    
Prescription Drug Discount Card    
For more information about our Choice 55 Account, call (580) 226-4610.
Savings
Regular Savings    
  To open a savings account you must make a $50.00 deposit to the account. There is no limit on the number of deposits made to the account. Six withdrawals or debits can be made per quarter on the account with no fees, after the sixth withdrawal there is a dollar fee per withdrawal charged to the account. Interest is paid quarterly and compounded daily. If your balance falls below $50.00 during the quarter a $3.00 service charge will be assessed. For more information please call our new account representative at 580/226-4610.
Kids Savings Club Account    
Our kid's savings account is set up just like mom and dads savings account. The main difference is that it only takes a $5.00 deposit to open the account. Each time you come in to make a deposit we will stamp your book and give you a surprise. Please call or stop by for more information on our kids club account.
Loans
Kelly Blue Book Get values on all your vehicles here.

Citizens Bank & Trust Company explicitly and conspicuously does not endorse or guarantee the products, information, or recommendations provided by the linked sites and we are not liable for any failure of products or services advertised on the sites listed.

All types of loans are available at Citizens Bank & Trust Company. We have available, loans secured by real estate, autos, stocks, livestock, recreational vehicles, equipment, oil & gas, and certain other items. All of our loans are figured on simple interest.

Our loan staff is ready, willing, and able to meet your loan needs. Please feel free to contact any of them. No appointment is necessary. Credit applications can be picked up, or mailed from, any of our four bank locations.

To help acquaint you with the loan staff, we have listed the personnel and their positions. Please feel free to contact them for your banking needs.

  • G. Bridger Cox, Chairman & President
  • Tracy Conway, Sr. Vice President & Sr. Lending Officer
  • Kenny Lamb, Vice President
  • Susan Langwell, Vice President
  • Gerri Gray, Assistant Cashier
  • Brandon Twyford, Assistant Vice President
  • Connie Phillips, Vice President & Collection Officer

Our Citizens Connection is available 24 hours a day for your convenience. You may check balances, make transfers, or make loan payments directly over the phone. The number is 580/223-6250 or for out of town calls please use our toll free number 1-877/223-6250.
Check Cards
Citizens Bank & Trust Company has a debit card available that can be used at point of sale transactions, wherever Visa is accepted. This card can also be used as an ATM card to receive cash. We do charge a fee if you use an ATM other than ours. Other banks assess a fee for the use of their ATM's. Our ATM locations are as follows:

For lost or stolen cards please contact the hot card number 1-800-554-8969. For further information please contact customer service at 580/226-4610 or email at webmaster@citizensardmore.com.

Credit Cards
  We have Visa and MasterCard Credit Cards available through Citizens Bank & Trust Company. We have individual cards as well as business cards available. We also have merchant set ups for businesses.
CDs
Citizens Bank & Trust Company has a variety of time deposits. The maturities start at 7 days and go out to 5 years. The schedule listed below contains the minimum deposit amounts. If you have questions or need an interest rate quote please call our CD Department at (580)220-2776.
Certificates of Deposit schedule: Minimum Deposit Days
  $2,500.00 7-31
  $2,500.00 91
  $2,500.00 182
  $100.00 12 mo
  $100.00 18 mo
$100.00 30 mo
IRAs
  Plan now for your future by opening an Individual Retirement Account with Citizens Bank & Trust. We offer both Traditional and ROTH IRA's.
Traditional IRA
If you are under 70 1/2 and have earned income, you are eligible to establish an IRA. Some of the benefits of a Traditional IRA include Tax Savings, Tax-Deferred Earnings and Retirement Security.
  • You may contribute any amount up to 100% of your earned income or $4,000; whichever is less, to your traditional IRA. IRA owners who attain age 50 or older by the end of the year can also contribute a "catch-up" amount of $1,000.00.
  • All earnings on your IRA contributions remain tax deferred until you make withdrawals from the account.
  • Deductibility of your IRA contribution is based on whether or not you or your spouse is an active participant in an employer-maintained retirement plan.

For more information about IRA's, call (580) 226-4610.

Roth IRA

 

 

 

 

 

 

 

 

 

 

 If you have earned income and your modified adjusted gross income, (MAGI) does not exceed certain limits, you are eligible to establish and make contributions to a Roth IRA. Some of the benefits of a Roth IRA include Tax-Free earnings, Tax Savings and Retirement Security.
  • The Roth IRA is a nondeductible account that features tax-free withdrawals for certain distribution reasons after a five-year holding period.
  • Contributions to a Roth IRA cannot exceed 100% of earned income or $4,000.00 whichever is less, and married, joint filers $150,000 or less. If your income exceeds these amounts, you may be eligible for a partial contribution.
  • Since Roth IRA contributions are nondeductible and taxed in the year they are earned, people who expect to be in a higher tax bracket when they retire may benefit more from a Roth IRA than from a Traditional IRA.

For more information about Roth IRA's, call (580) 226-4610.
Commercial Accounts
Commercial Checking
To open a commercial checking account $150.00 is required for a deposit.
Fees:
 
Monthly maintenance fee -Imaged Statements
 $4.00
 
Charge for each debit
 .15
 
Charge for each transit item deposited
 .08
  **Earnings credit factor paid on average collected balance, adjusted monthly.
Commercial Savings
  To open a commercial savings account, a $150.00 deposit is required. There is no limit on the number of deposits made to this account, the number of withdrawals is limited to six per quarter. A dollar fee per withdrawal will be charged after the sixth withdrawal. Interest is paid quarterly, but is compounded daily. Please call customer service for the current rate information at 580/226-4610.
Commercial Loans
All types of loans are available at Citizens Bank & Trust Company. We have available, loans secured by real estate, autos, stocks, livestock, recreational vehicles, equipment, oil & gas, and certain other items. All of our loans are figured on simple interest. Our loan staff is ready, willing, and able to meet your loan needs. Please feel free to contact any of them. No appointment is necessary. Credit applications can be picked up, or mailed from, any of our four bank locations. To help acquaint you with the loan staff, we have listed the personnel and their positions. Please feel free to contact them for your banking needs.
  • G. Bridger Cox, President & CEO
  • Tracy Conway , Sr Vice President
  • Kenny Lamb, Vice President
  • Susan Langwell, Vice President
  • Gerri Gray, Assistant Cashier
  • Brandon Twyford, Assistant Vice President
  • Connie Phillips, Vice President & Collection Officer

Our Citizens Connection is available 24 hours a day for your convenience. You may check balances, make transfers, or make loan payments directly over the phone. The number is 580/223-6250 or for out of town calls please use our toll free number 1-877/223-6250.
Other Products
Trust Services
Citizens Connection
  The Citizens Connection is a 24 hour information telephone line. The phone number is 580/223-6250, we also have a toll free number for those calling out of town, the number is 1-877-223-6250. The Citizens Connection allows you to check your balance, transfer funds, verify a check or deposit and much more. For more information please call one of our account representatives at 580/226-4610.
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