When it comes to banking today, you have come to expect convenient and advanced banking services. What you may not expect is personalized customer service from someone who understands your specific financial needs. We say — you deserve both!

At Citizens Bank & Trust, our customers have direct access to cutting-edge banking products and services. We provide a wide range of checking, savings, loan options, and other banking services designed to accommodate your particular needs.

Our Kasasa accounts are a perfect example. Checking accounts that earn high interest and other rewards, with no minimum balance requirements. It’s a revolutionary way of banking that puts money back in your pocket.

When you’re looking for what you want out of life, we’re easy to find. We are a locally-owned Alabama community bank with decision makers you can talk to across the desk, not state lines. We offer the latest mobile banking technology to help you save time, while always finding time when you’d rather talk one on one.

Our customers also receive personalized service and financial advice specific to their individual needs. Our on-site financial advisors develop customized plans and expert advice for first-time planners all the way up to experienced investors.

Since we opened our doors in 2003, we have been committed to helping the people and local businesses of North Alabama reach their goals. We have now grown to include branches in Albertville, Arab, Cullman, Guntersville, Hazel Green, New Hope, Elkmont and Rogersville, a Mortgage Department, and a Wealth Management division. As we grow, so does our commitment to our customers. Which makes us where you’d rather bank.

Statement of Purpose & Core Values

Citizens Bank & Trust is an organization established on Christian values that serves its community by providing quality financial services while delivering an exceptional customer experience. Below are our Core Values.

We do the right thing.

Operate with integrity and build trust.

We build loyal relationships.

Listen and seek to understand.

We exceed expectations.

Be proactive, anticipate customer needs, and act with a sense of urgency.

We serve our community.

Our bank is committed to the investment of time and resources to grow our community.

We are positive and professional.

Act with class.

We choose to make a difference.

Encourage and invest in others.

We are accountable.

Be responsive and respectful.

We pursue growth and knowledge.

Take initiative to learn daily.

We take ownership.

We are empowered to make decisions.

We embrace opportunities and challenges.

Welcome change with optimism.

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  • Monday08:30 AM - 04:30 PM
  • Tuesday08:30 AM - 04:30 PM
  • Wednesday08:30 AM - 04:30 PM
  • Thursday08:30 AM - 04:30 PM
  • Friday08:30 AM - 05:30 PM