IMPORTANT BRANCH ACCESS NOTICE:
Update March 27, 2020: TCB is always in your corner, that’s why for your convenience we will have additional drive – thru hours April 1st – 3rd from 7 AM – 5:30 PM. We know that the first of the month can be hectic and with all this uncertainty we wanted you to be certain that you can always depend on us. Visit your local drive thru from 7AM – 5:30 PM April 1st – 3rd.
Effective March 23, 2020, and until further notice, The Citizens Bank is implementing a drive-thru only/limited access policy at all locations. Drive-Thrus will remain open during normal hours and branch lobbies will be accessible by appointment only. Our ATMs, ITMs as well as Online and Mobile Banking will be available as usual. We apologize for the inconvenience. The health and safety of our customers and employees are our top priority!
To Our Citizens Bank family,
As we continue to address concerns for the rapidly changing health crisis that is currently happening in our nation, state and local communities, we are grateful to our healthcare professionals who are working around the clock to ensure that the most vulnerable among us are cared for.
Our communities, employees and customers have been adjusting to the “new normal” over the past few weeks. Many of you are under mandatory time away from work or working from home, home schooling your children or caring for loved ones, and we appreciate all that you do to adjust to your new normal.
Our bank is having to adjust as well. We are open for business, and all our products and services are available. We are asking our bankers to follow guidelines recommended by the Centers Centers for Disease Control and Prevention (CDC). Our goal is to ensure you and all our valued customers that our service options will remain available to you.
Alternative Service Options
- Online and Mobile Banking – you can access your account with Online Banking to view your balance, transfer funds, and pay bills.
- ATMs/ITMs – Use your Citizens Bank debit or ATM card to get cash, transfer funds and check balances. Use our ITMs where available to make deposits, cash checks, pay loans or transfer funds.
- Phone – Philadelphia area call 601.656.4692; out of area call 1.800.397.0344 to speak to a banker during normal business hours.
- Mobile Deposit Capture – Take a picture of the front and back of your check and send for deposit.
In the interest of public health and to reduce the spread of the virus and remain available to our customers, The Citizens Bank will implement our pandemic control operating schedule. This control will allow us to remain open to serve our customers and remain vigilant in the fight against the coronavirus pandemic. Beginning Monday, March 23, 2020, and continuing until further notice, All Citizens Bank branches will be open by appointment only. All our drive-thru locations will be open during normal business hours.
Effective Monday, March 23, 2020
For the health and safety of our employees and customers we are limiting branch lobby traffic.
Branch Lobbies – All branch lobbies will be available by appointment only. To schedule an appointment, contact your local branch by phone.
Drive-thru – Drive-thru services will be available during normal business hours.
Locate a Citizens Bank Branch with a drive-thru or call for an appointment. Find your local branch >
Digital Banking Tools – If you have not enrolled in Mobile or Online Banking yet, the process only takes a few minutes. Click here to begin >
C2C People Pay – If you have not enrolled in our C2C People Pay where you can send or receive money to people you trust, learn more here >. With C2C People Pay, you can send and receive money as easily as you send and receive an email or text.
TCB Live Tellers – Our Interactive Teller Machines or ITMs are a video teller service for drive thru ATM customers using high-definition video chat technology to connect with full service tellers and featuring extended hours. See which locations have ITMs >
Mobile Deposit App For Business – For our small business customers, if you have not downloaded our Mobile Deposit App for Business, we encourage you to do so now. Get started >
We have been providing banking services to our customers and communities since 1908 and will continue doing so during these challenging times. We will keep this page updated with the latest developments as they occur. Be safe and know that we are here to help.
December 11, 2019 5:24 pm
As a part of our goal to be a digital forward bank, we have launched The Citizens Bank App For Apple Watch®. The new Smartwatch App will give you the ultimate convenience of keeping tabs on your money—right on your wrist. With the quick balance feature, it’s easy to view your account balances and last 20 transactions. Also, you can see your balances at a glance with just the touch of a finger, without having to enter the app. It couldn’t be easier to get balances on the go, view your transactions in real time so any purchase you make will be reflected at your fingertips and get alerts right on your watch.
Launching the free app will be as easy:
Simply download the latest version of our app for iPhone® from The App Store and log into your account.
Log into your mobile app the first time you log in with your Apple Watch, to pair your phone and watch.
Find the Citizens Bank app logo on your Apple Watch, and done! You can now open the app on your Apple Watch anytime.
“We were one of the first banks in Mississippi to roll out Interactive Teller Machines,” said Jackie Hester, Vice President of Marketing for The Citizens Bank. “Now we’re one of the first community banks to offer our mobile banking app on the Apple Watch®. According to Hester, on the smartwatch banking app, many everyday digital banking features will be available.
“Customers using the new app can turn on a Quick Balance feature and specify which accounts and the order of accounts to display,” Hester said. “They can tap to view the last five transactions on a specific account in real time and quickly answer the most common questions, such as how much they can spend right now, whether their last purchase is reflected in their account and if their paycheck was deposited.”
Apple, the Apple logo, iPhone, iPad and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Note: Our app is free, but standard rates and fees from your wireless carrier may apply.July 22, 2019 3:50 pm
The Citizens Bank has been honored as one of America’s Best Banks selected from 5,400 banks in the U.S. For 2019, Forbes partnered with market research firm Statista to produce their second annual look at the best banks in each state to gauge whose customers gave their banks the highest grades. According to Forbes, more than 25,000 customers in the U.S. were surveyed for their opinions on their current and former banking relationships.
Financial institutions were scored on overall recommendations and satisfaction based on five criteria: trust, terms and conditions, branch services, digital services and financial advice. Customers were asked 20 questions about their financial dealings with their bank.
“There’s no greater reward than being selected by your own customers as one of the best banks in the country,” said Jackie Hester, Vice President of Marketing for The Citizens Bank. “We always say we have the best bank customers, and now we know they believe we’re one of the best banks anywhere.”
The Citizens Bank was selected along with just three other banks in Mississippi. Between one and five banks in larger states were awarded best-in-state designation, based on the number of responses in each state. Overall, 149 banks qualified, or just 3.1% of the total number of U.S. financial institutions.
“It’s always our goal to provide the best services and amenities to please our customers and help them reach their financial goals,” Hester said. “We couldn’t do this without an awesome team of employees at our 23 branches across the state. We’re excited for the opportunity to continue serving our customers with Best In Class service.”July 9, 2019 3:53 pm
The employees, officers and directors at The Citizens Bank congratulate Greg McKee on being elected Chairman of the Mississippi Bankers Association for 2019-2020. Under McKee’s leadership since 2002, The Citizens Bank has grown into a great bank. Now he will lead Mississippi to becoming a great state for banking.
“We can’t think of any better leader for the MBA than our CEO Greg McKee,” said Jackie Hester, Vice President and Marketing Officer. “We are proud of his accomplishments as a leader in banking in Mississippi and look forward to follow his success in his role as Chairman of our statewide banking association.”
The Mississippi Bankers Association, established in 1889, is a private membership organization which brings together and represents banks and savings institutions in the State of Mississippi. The MBA provides education through seminars and conferences, information through various avenues such as The Mississippi Banker magazine, and representation in legislative and regulatory matters.
The Association also sponsors and/or endorses products and services for banks. The Association benefits from the strong leadership provided by Mississippi bankers serving as officers and executive committee members. The MBA has many bank employees serving on standing committees, providing a feeling of community for bankers across the state. The MBA has a long tradition of educating and involving bankers to improve their professional lives and their relationships with customers.July 8, 2019 8:12 am
PHILADELPHIA, Miss. & BILOXI, Miss.–(BUSINESS WIRE)–Citizens Holding Company (“Citizens”) (Nasdaq: CIZN), the parent company of The Citizens Bank of Philadelphia (“Citizens Bank”) announced today the signing of a definitive merger agreement to acquire Charter Bank, (“Charter”). Upon completion of the merger, Charter will merge into Citizens Bank.
Based upon financial data as of March 31, 2019, the combined company will have approximately $1.2 billion in assets, deposits of $989 million, and gross loans of $569 million. The merger is expected to close in the fourth quarter of 2019, pending customary closing conditions, including receipt of required regulatory approvals and the approval by the shareholders of Charter.
Subject to the terms of the merger agreement, Charter shareholders will receive 0.39417 shares of Citizens’ common stock and $3.615 in cash for each outstanding share of Charter common stock. Based on Citizens’ closing price of $20.90 as of May 20, 2019, this equates to a per share value of $11.85 and an aggregate deal value of $20.0 million.
At March 31, 2019, Charter had approximately $161 million in total assets, $134 million in deposits and $110 million in gross loans. Charter operates four branches in the counties of Harrison and Jackson, Mississippi. The combination expands Citizens’ presence in its southern markets, creating the 10th largest bank by deposits in the combined counties of Hancock, Harrison and Jackson, otherwise known as the Mississippi Gulf Coast.
Upon completion of the merger, Gregory E. Cronin, Chief Executive Officer of Charter, will serve in a leadership position with Citizens. “Our Charter Bank Team is enthusiastic to be joining a well-respected community bank with a history of providing exceptional products and services to its markets,” remarked Cronin. “We believe that we can better serve our clients in our local communities.”
“Charter was founded by a group of individual bankers who believed their customers had a need for better banking services, and they have built their institution around the philosophy of making decisions that best serve the interests of their customers. At Citizens we share these values and are excited to be adding a similar franchise into our fold while bolstering our presence throughout the Mississippi Gulf Coast,” commented Gregory L. McKee, President & Chief Executive Officer of Citizens.
Keefe, Bruyette & Woods, Inc. served as financial advisor, and Baker, Donelson, Bearman, Caldwell & Berkowitz, PC served as legal counsel to Citizens. FIG Partners LLC served as financial advisor, and Butler Snow LLP served as legal counsel to Charter.
About Citizens Holding Company
Citizens Holding Company, headquartered in Philadelphia, Mississippi, is a financial holding company that owns The Citizens Bank of Philadelphia. Citizens currently has 23 banking locations in Mississippi and offers full-service commercial banking, mortgage lending and title insurance services in addition to a full range of Internet banking services. As of March 31, 2019, Citizens had $1.1 billion in total assets, $840 million in deposits, and $447 million in gross loans. For additional information, locations and hours of operation, please visit www.citizensholdingcompany.com.
About Charter Bank
Charter Bank, headquartered in Biloxi, Mississippi, was founded in 2008 and built around a relationship-based, full service business banking concept. Charter offers a broad range of commercial and consumer banking services to small and medium sized businesses, professional firms, individuals, civic groups and other organizations. As of March 31, 2019, Charter had $161 million in total assets, $134 million in deposits and $110 million in gross loans. For additional formation on Charter, please visit www.mycharterbank.com.January 10, 2017 8:16 pm
Identity theft? Cyberfraud? Email spam? Take defensive measures to protect yourself and your family. Because internet attacks are a growing and costly problem, The Citizens Bank is making a free online security course available to our customers right here on our website. This course will help to educate you about safe online banking practices, and also about passwords, giving out personal information, protecting children online, protecting your identity, securing your computer and home network, spam viruses and more such as opening up email and attachments.
Being informed about how to protect yourself against cyber-risks can be a key defense against fraud and identity theft. This course is for all members of your family who are regularly on the internet and is based on real-life stories. It is taught by Kevin Mitnick, an American computer security consultant, best selling author and known as the world’s “most famous hacker”.May 2, 2016 10:00 am
Go on a saving spree with a Cash Stash account, now improved to help you save even faster. Every time you use your debit card as a credit transaction, the purchase amount is rounded up to the next dollar with the difference going in your Cash Stash account. Then, as an added bonus, we match your round-up savings by 10 percent. It only takes $25 to open and your Cash Stash account starts earning interest daily that is compounded quarterly. Matched funds are credited to your account on the first of each new quarter.
If you have more than three withdrawals or transfers in any quarter, or if the balance drops below $25, there is a $5.00 activity fee applied.
Contact your local branch or call us if you have questions about how Cash Stash works, current rates and fees, and see how small change can make a big change in your savings account balance. Round up to the dollar with the account that gets around.February 3, 2016 12:21 pm
Since 2005, The Citizens Bank has awarded one $1,000 to a high school junior or senior in each of the counties we operate in, with an additional $500 contribution provided to each school the scholarship winners attend. The program is simple. For every “A” you make, you can enter to win, all year long. The more A’s, the more entries you have, and the greater your chances. Just bring in your report card to your local branch. This year’s deadline to enter is the second week of June, and 13 $1,000 scholarships will be awarded along with 13 $500 school contributions.
Jackie Hester, Vice President and Marketing Director at The Citizens Bank, said, “The scholarship program will continue, and its success has evolved into our working to come up with additional ways to support our schools, including the School Stash debit card program.” Hester noted that among the educational or youth organizations that receive financial support or sponsorships from The Citizens Bank includes 4-H Clubs, Boys & Girls Club, Boy Scouts of America, Girl Scouts, Distinguished Young Women, Mississippi School Nutrition and United Way, “just to name a few”.
“In our role as an independent community bank, The Citizens Bank believes our investment in our children and their education is an investment in the future,” she said. So if you’re a Junior or a Senior, study hard. You make every day count. We’ll make each “A” count!December 28, 2015 12:10 pm
The Citizens Bank believes that it is our responsibility as a local community bank to help our customers reach their financial goals in new and innovative ways. A perfect example is our new Credit Boost CD. If you have no credit or need to rebuild your credit, we invite you to sit down and discuss this product with us. It’s a unique personal loan backed by a Certificate of Deposit that is designed to help you establish a good payment history, an important step in building a higher credit score.
As you grow, so do your credit needs. From a mortgage or car loan to better insurance rates or even looking better to employers, a strong credit score is a must. You rate number one with the people in your life. Isn’t it time you gave yourself some well-earned credit? Stop by or call your local branch today to get the boost you deserve.April 20, 2015 10:26 am
For many college students, they don’t just want a diploma. They want a purpose. That’s why we are now bringing more to college savings with the introduction of College Bonus Savings, because students that expect more from life, give more to our communities.
The Citizens Bank’s new College Bonus Savings Account gives you the chance to do more than save for college for your children. Open an account by their 10th birthday, save the monthly minimum amount each year, and we will give you a $1000 bonus when your child turns 18 plus interest.
It’s not just an education. For them, it’s a dream. We look at it as our way of investing in the future of our hometowns. Because we know that their passion is our future.