Since 2003, we have been committed to helping the people and local businesses of North Alabama. 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 banking products and services. We provide a wide range of checking, savings, loan options, and other banking services designed to accommodate your particular needs.