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
eCitizens - Free Checking with eStatements No Monthly Service Charge  

Senior Accounts - Image Statements and Free Checks

 No Monthly Service Charge  
For more information about these accounts, call (580) 226-4610.    
$MART Checking® 
 

Earn 3.11% APY*

ATM fees refunded each month (up to $2.50 per transaction, not to exceed $25.00 per statement cycle)
*Annual Percentage Yield - At our discretion, we may change the interest rate on your account.
Minimum to open - $100.00  
No minimum balance requirement
No monthly service charge    
Receive eStatements    
  Requirements:
10 posted Check Card Transactions during the statement cycle (ATM withdrawals do not count toward the 10 transactions)
Receive your monthly statement through eStatements
Provide a valid email address
Log onto Internet Banking once during the statement cycle
Have a direct deposit or at least one automatic debit from your account
  Receive 3.11% APY* on balances up to $25,000, 1.00% APY* on the portion of the balance that is greater than $25,000
 

What happens if the requirements are not satisfied during a cycle?

You will earn 0.25% APY* on your entire checking balance, ATM fees will not be reimbursed

For more information about $MART Checking®, call (580) 226-4610.

Now Accounts - Super Now - Money Market

For rates and minimum balance requirements please call (580)226-4610

    
Savings Accounts
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 one 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 offer loans secured by real estate, automobiles, stocks, livestock, recreational vehicles, equipment, oil & gas, and certain other items. All of our loans are calculated using the simple interest method.

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
  • Jason Adams, Assistant Cashier
  • Caleb Tennison, Assistant Cashier

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. There is a small fee if you use an ATM other than ours. 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.

Using Verified by Visa, you can register your check card through the Visa network. The security and privacy of your purchases and payments are important. Protect your cards with your own personal password so only you can purchase with them online. It's easy, safe, and free of charge! Click HERE

The Bonus Check Card

With the Bonus Check Card, you can make purchases at thousands of merchant locations that accept Visa/MasterCard and earn points towards merchandise, travel and more every time you use it. Best of all, It's FREE!

Log on today and check your points!

 
Credit Cards
  Individual and Corporate Visa and MasterCard Credit Cards are available through Citizens Bank & Trust Company. We also offer a merchant credit card processing program.
Certificate of Deposits
Citizens Bank & Trust Company offers 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 $5,000, 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 $5,000.00 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.

eBusiness - Internet Solution for viewing account information, sending payroll files, tax payments and more.

Merchant Capture - Make deposits from your business or home without leaving the office. Call for more information.
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 one 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 offer loans secured by real estate, automobiles, stocks, livestock, recreational vehicles, equipment, oil & gas, and certain other items. All of our loans are calculated using the simple interest method. 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
  • Jason Adams, Assistant Cashier
  • Caleb Tennison, Assistant Cashier

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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