Citizens Corner Forbes Best In State Banks

The Citizens Bank Named One Of America’s Best-In-State Banks For 2019 by Forbes Magazine

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.”

Posted by Julie White · Filed under General Topics · Permalink
The Citizens Bank CEO Greg McKee


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.

Posted by Julie White · Filed under Bank News and General Topics and People · Permalink


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

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

Posted by Julie White · Filed under Bank News and General Topics · Permalink
KnowBe4 logo graphic

Keep Your Family Safe Online With Our New Cybersecurity Awareness Course

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”.

Click here to start the course.

Posted by Chris Elliott · Filed under General Topics · Permalink

Cash Stash Savings Grow While You Withdraw Fun.

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.

Posted by Chris Elliott · Filed under General Topics · Permalink
Win a Scholarship graphic with globe


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!

Posted by Chris Elliott · Filed under General Topics · Permalink


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.

Posted by Chris Elliott · Filed under General Topics · Permalink


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.

Posted by Chris Elliott · Filed under General Topics · Permalink


November 21, 2014 2:18 pm

The Citizens Bank believes there’s no more satisfying investment than a child’s future. And none that gives greater returns. That’s why we started Sprout and why we jumpstart your child’s savings by investing the first $100 when the account is opened for newborns up to age six months.

It’s the savings account that stays a notch above so you can stay a step ahead and sleep a little better knowing you are prepared for your child’s future.

It’s in our nature to invest in our children. Stop by your local branch to open the account that never stops growing. For all the money you’ll spend on what your child grows out of, this is the savings account for all that they’ll grow into.

Posted by scott.wehrenberg · Filed under General Topics · Permalink
The Citzens Bank Fun Size iPad Mini Giveaway graphic. Register by liking us on Facebook.


October 9, 2014 9:24 am

Visit and like us on Facebook to register to win an iPad Mini 7.9-inch tablet with Wi-Fi that fits big advantages into your day. Photos, videos and web sites look great on the brilliant display and getting things done looks easy banking right on your iPad Mini.

Just as our Online Banking will soon pack a powerful punch in a small package, the iPad Mini is perfectly sized for everything you love to do. We will be drawing for two iPad Mini tablets on Halloween, Oct. 31.

Citizens Fun Size Facebook Giveaway
Start Date:  Thursday, October 16
End Date:  Friday, October 31

It’s Easy To Enter

•    “Like” The Citizens Bank Facebook Page (
•    From October 16th to October 31st, you can register directly on our Facebook page for a chance to win (each Facebook profile can enter once per day) one of two iPad Mini tablets.

You Could Win

Following the end of the giveaway (5 pm CST on October 31), the two winners will be selected at random and will receive an iPad Mini 7.9-inch tablet.



2014 Citizens Fun Size Contest Official Rules and Privacy Policy

•    No purchase, banking relationship of any kind or payment of any kind necessary to enter or win this contest. Void in Puerto Rico, U.S. Virgin Islands, U.S. territories and possessions and where prohibited or restricted by law.
•    Eligibility:  The 2014 Citizens Fun Size Giveaway is open only to legal residents of one of the 50 states of the United States or the District of Columbia who are 18 years of age or older at time of entry. (Proof of residency and age may be required.)  Officers, directors, and employees (collectively, “employees”) of The Citizens Bank, and any members of their household or immediate family (defined as parents, spouse, children, siblings, grandparents) of such employees, and all those with whom such employees are domiciled are not eligible to enter or win.
•    Entry Period: The 2014 Citizens Fun Size Giveaway begins October 16, 2014 at 8 am CST. The giveaway entry period concludes on October 31, 2014 at 5 pm CST.
•   How To Enter:  During the Entry Period, you can enter the Contest by visiting The Citizens Bank Facebook page. You will need to be a member of Facebook (becoming a Facebook member is free) and you will need to “like” The Citizens Bank Page in order to participate in the Contest. Once you “like” the Page in order to participate, you can register. You are allowed “one entry” per Facebook Profile “per day”. You will also receive “five bonus entries” for each giveaway entry made by one of your Facebook friends.
•    Contest Restrictions:  Limit one (1) Winner per person and per Facebook account/email address.•    Winner Notification:  Within 48 hours of the conclusion of the giveaway, the two winners will be selected at random and notified by phone or email.•    General Conditions: By participating, participant agrees to be contacted by The Citizens Bank by email and telephone and that if participant is a giveaway winner, The Citizens Bank may use participant’s user name and biographical information (city and state) on The Citizens Bank Facebook page and web site in an announcement of the winner and prize.
•    Personal Information:  We use personal information collected in our giveaways and contests to contact the winners. We may also use such personal information to send you information electronically about us and our products and services, but we will provide you with an opportunity to opt-out of receiving this information at any time after you first receive such information from us. We do not share or sell information about individuals who enter our giveaways and contests other than to contact a winner and arrange for fulfillment of a prize.
•    Dispute Resolution: Any and all disputes with respect to this Giveaway will be resolved in the appropriate courts in the state of Mississippi exclusively, and subject to the laws of the State of Mississippi.
•    The Contest is not sponsored, endorsed, administered by or associated with Facebook.

Posted by Chris Elliott · Filed under General Topics · Permalink

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