About
Citizens’ Bank is a full-service community bank that provides personal and business banking services to customers in Alabama. They offer personal banking services such as checking accounts, savings accounts, and loans, as well as business banking services such as business checking accounts, merchant services, and business loans.
Overall, customers of Citizens' Bank have reported positive experiences with the bank, particularly with regards to its customer service and the convenience of its online banking platform. However, as with any financial institution, it's important to carefully review the terms and fees associated with its products and services before deciding to become a customer.
Key Features
Some key features of Citizens’ Bank include:
- Personalized Customer Service. The bank prides itself on providing personalized customer service to its clients. It offers a dedicated customer service line that is available 24/7, as well as the ability to schedule appointments with bankers.
- Online Banking. A convenient online banking platform allows customers to check account balances, transfer funds, pay bills, and more.
- Mobile Banking. The bank also has a mobile banking app that allows customers to manage their accounts on the go, including mobile check deposit and account alerts.
- Business Services. Citizens' Bank offers a range of business services, including business checking accounts, merchant services, and business loans.
- Community Focus. As a community bank, the financial institution is committed to supporting the local community through volunteer work and charitable donations.
Overall, Citizens’ Bank offers a comprehensive range of banking services, with a focus on personal service and community support.
Requirements
The requirements to open an account with Citizens’ Bank may vary depending on the specific account type and the applicant's individual circumstances. Generally, some common requirements include:
- Personal Information. Applicants will need to provide personal information such as their name, address, phone number, email address, and social security number.
- Identification. Applicants will need to provide a valid government-issued ID such as a driver's license or passport to verify their identity.
- Minimum Deposit. Some accounts may require a minimum opening deposit, which varies depending on the account type.
- Age Requirement. Applicants must be at least 18 years old to open an account on their own. Minors may be able to open an account with a parent or guardian as a joint account holder.
- Credit History. Depending on the account type, the bank may perform a credit check to determine eligibility.
It's important to note that these requirements are not exhaustive and may vary depending on the account type and the bank's policies. It's recommended to contact Citizens Bank directly or visit their website to obtain specific information on account requirements.
Access on the Go
Citizens’ Bank offers mobile banking services to its customers, which allows them to access their accounts on the go. Here are some ways customers can access their accounts on the go:
- Mobile Banking App. The bank has a mobile banking app that can be downloaded onto a smartphone or tablet. The app allows customers to check account balances, view transaction history, transfer funds, pay bills, and deposit checks.
- Text Banking. Customers can also use text banking to check account balances and view recent transactions by sending a text message to a designated number.
- Online Banking. Citizens' Bank Alabama's online banking platform is accessible from any device with an internet connection. Customers can log in to their accounts from a smartphone, tablet, or computer to access their account information, transfer funds, and pay bills.
- ATMs. The bank has a network of ATMs that can be used to withdraw cash and check account balances.
By using these mobile banking services, customers can manage their finances on the go and have easy access to their accounts whenever they need it.
Products and Services
Citizens' Bank offers a range of products and services to its customers, including:
- Checking Accounts. Customers can choose among several checking account options, including free checking, interest-bearing checking, and premium checking. Each account has different features and benefits, such as no monthly maintenance fees, unlimited check writing, and free online banking.
- Savings Accounts. The bank provides a variety of savings account options, including traditional savings accounts, money market accounts, and health savings accounts. Each account has different features and benefits, such as competitive interest rates, no monthly maintenance fees, and easy access to funds.
- Loans. Citizens' Bank offers personal loans, home equity loans, auto loans, and business loans to its customers. It also has lines of credit and credit cards.
- Online and Mobile Banking. The bank's online and mobile banking services allow customers to manage their accounts, pay bills, transfer funds, and deposit checks from their computer or mobile device.
- Business Banking. The bank provides a range of business banking services, including business checking accounts, merchant services, and business loans. The bank also offers online payroll and remote deposit capture.
- Investment and Wealth Management. The bank provides investment and wealth management services through its partnership with Raymond James. These services include retirement planning, wealth management, and investment advice.
- Insurance. Customers are offered various insurance products, including home insurance, auto insurance, and life insurance.
Overall, Citizens' Bank offers a comprehensive range of banking products and services to meet the needs of individuals, families, and businesses.
Which associations does Citizens Bank belong to?
Citizens’ Bank is a community bank that operates within the state of Alabama. It is a member of the Federal Deposit Insurance Corporation (FDIC) and the Equal Housing Lender (EHL).
Additionally, as a community bank, Citizens' Bank is likely a member of local and regional banking associations and organizations that serve the state of Alabama. These associations may include the Alabama Bankers Association, the Community Bankers Association of Alabama, and other regional banking groups. It's recommended to contact Citizens' Bank directly or visit their website to obtain more information on their specific associations and affiliations.
