• Visa Classic, Visa Gold and Mastercard
• Merchants Credit Card Program
• Citizens ATM 24 hour Bank Card
• Citizens Check Card
• Automatic Teller Machines

• Cetera Investment Services LLC
• IRA Accounts
• Safe Deposit Boxes
• Trust Services
• 24 Hour Bank By Phone

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• for fast, safe, and convenient authorization of your customers' purchase,
• eliminating long distance phone calls for approval codes, and
• immediate credit on deposits.

All at competitive discount rates!

If you have any questions, please send an email to Kim Brown.

 

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Citizens Investment Services provides attractive pricing on your investment needs. Through our association with Cetera Investment Services LLC, we offer a wide variety of investment products and services. These products include, stocks, bonds, mutual funds, annuities, options, and self-directed IRA's. Ask for our investment specialists when you call. Cetera Investment Services LLC, is an independent registered broker/dealer. member FINRA/SIPC.

A. Daniel Lamproe Investment Adviser Representative AR Insurance Lic # 335095

If you have any questions, please send an email to Daniel Lamproe.

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The Trust Department of Citizens Bank & Trust Company offers an array of services to help manage assets according to your wishes and financial goals.

Estate Planning

An important part of attaining financial goals is estate planning to ensure peace of mind that should you die or become incapacitated your assets will be managed and distributed according to your wishes. Please call our Trust Officer for information and resources on Wills and Trusts.

Estate Settlement

Our Trust Department offers professional estate settlement from obtaining formal court appointment, locating financial records, making inventory of assets and notifying heirs to paying debts, collecting money owed, and supervising any litigation. In addition, we can make sure during the process that your assets are preserved and invested, estimate and control cash needs, maintain accurate records, prepare accountings and assure that tax returns are completed. Perhaps most important of all, we will remain impartial and ensure that the distribution of assets is carried out exactly as provided by the decedent in the will or according to the law in the case of intestacy.

Personal Trust Administration

A trust is a legal arrangement whereby one person, the settlor, entrusts some or all of their property to a trustee of their choice. The trustee holds legal title to and manages the trust property. The assets and income therefrom are disbursed and distributed by the Trustee in the manner and to the beneficiaries provided in the governing trust document.

Our Trust Department can serve as trustee for the following types of trust accounts:

Living Trusts
Testamentary Trusts
Insurance Trusts
Trusts for Minors
Charitable Foundation Trusts

Agency Accounts

Agency Accounts differ from trusts in that title to the assets in the agency does not pass to the trustee, but remains in the name of the owner of the property, known as the principal. Citizens Bank & Trust Company offers two types of agency accounts:

Managed Agency
The Bank, as agent, has the duties of investment management, tax record keeping, safekeeping of assets, collection of income, accounting of funds and making disbursements.

Custodial Agency
The duties of the agent are safekeeping of assets, collection of income, accounting of funds, and making disbursements; however, the custodial agent has no investment management responsibilities.

Corporate Trust Services

Citizens Bank & Trust Company offers corporate trust services in serving as trustee and paying agent on municipal and corporate bond issues.

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You can have access to your accounts 24 hours a day, 7 days a week by calling our automated telephone bank information line from any touch-tone telephone. You may:

• Get the status of your account.
• Get information on checks, deposits and account balances.
• Transfer funds.

Just fill out an application form and return it to any one of our bank branches.  All you need is a Personal Identification Number (PIN), and you can access our accounts by phone.  Use of the PIN provides total security when you use the information line.