Banking with Citizens Savings and Trust Company

Banking with Citizens Savings and Trust Company is a straightforward process. You can open a checking or savings account with a low minimum balance requirement, making it accessible to a wide range of customers.

Their customer service is available to assist with any questions or concerns you may have, and they also offer online banking and mobile banking services for added convenience.

Citizens Savings Bank and Trust Company was founded in 1904 by a group of distinguished community leaders, including R. H. Boyd, the Reverend Preston Taylor, J. B. Bosley, E. B. Jefferson, J. S. Ewing, J. A. Cullom, the Reverend William Haynes, and J. W. Grant.

The bank was the first minority-owned bank in Tennessee, and it was initially called the One Cent Savings Bank, although the minimum deposit accepted was actually ten cents.

The bank's early success was due in part to its conservative lending policies and encouragement of systematic savings, which helped it survive the Great Depression.

In 1922, the bank relocated to the former Duncan Hotel, which was also home to the Colored YMCA and other African-American owned agencies.

This move marked a significant milestone in the bank's history, as it continued to serve the African-American community in Nashville.

The bank's founders were committed to socially conscious ideals, which have guided its corporate existence for over 100 years.

Today, Citizens Savings Bank and Trust Company is the oldest continuously operating minority-owned bank in the United States.

At Citizens Savings and Trust Company, you can borrow money for various purposes, like a vacation or home improvements, and they'll make it a quick and easy process.

They offer personal loans for special purchases, making it convenient for you to get the funds you need.

Their knowledgeable staff can also help you with mortgage loans, providing expertise on various types of loans, including FHA, VA, and Conventional loans.

You can rely on them for refinancing, down payment assistance, and even construction loans.

Bank products are a crucial part of any banking experience, offering a range of services that can help you manage your finances effectively.

Checking accounts are a type of bank product that allows you to deposit, withdraw, and transfer funds as needed. Some checking accounts come with debit cards, while others may require you to write checks.

Savings accounts are designed to help you save money over time, often with higher interest rates than checking accounts. You can access your savings account online or through a mobile app.

Certificates of deposit (CDs) are a type of savings account that offers a fixed interest rate for a specific term, typically ranging from a few months to several years. CDs usually require you to keep your money locked in the account for the specified term.

Loans are another important bank product that can help you cover unexpected expenses or finance large purchases. Personal loans, auto loans, and home equity loans are all types of loans offered by banks.

Credit cards are a type of loan that allows you to borrow money to make purchases, with the option to pay off the balance over time. Many credit cards come with rewards programs and cashback offers.

Our bank offers a Personal Interest Checking account that's designed to meet your needs at a competitive interest rate. This means you can earn more on your money while still having easy access to it.

The interest rate is a key feature of this account, and it's competitive with what other banks are offering. This can help your money grow over time, making it a great option for those who want to save.

One of the benefits of this account is that it's designed to meet your needs, so you can expect a personalized banking experience. This might include features like online banking and mobile deposit.

If you're looking to borrow money for a specific purpose, Citizens Savings Bank and Trust Company offers personal loans that can make your borrowing experience quick and easy.

Personal loans can be used for a variety of purposes, such as vacations, home improvements, or special purchases.

You can borrow money quickly and easily with Citizens Savings Bank and Trust Company's personal loans.

The Christmas Club is a fantastic way to save for holiday shopping. You can deposit money each payday or as often as you wish.

You choose the amount and the frequency, so it's easy to fit into your budget. This account allows you to save for Christmas shopping throughout the year.

Earning interest all year long means your money grows over time. This is a great way to make your holiday savings go further.

You can automatically deposit from your checking account, making it easy to save without thinking about it. This way, you'll have a big chunk of money set aside just in time for the shopping season.

Here are the benefits of a Christmas Club account at a glance:

You can open a basic savings account with Citizens Bank today and start building your savings, which comes with access to Online Banking and competitive interest.

Citizens Bank's basic savings account is a solid option for getting started with saving, with no additional details on its features beyond what's mentioned.

Their Personal Interest Checking account is designed to meet your needs at a competitive interest rate, making it a great choice for those who want to earn interest on their checking account.

If you're looking for a safe place to stash your money, consider a Certificate of Deposit. It offers guaranteed yields and FDIC insurance, so your money is protected.

You can also explore our various savings accounts, each with its own unique features. The basic savings account from Citizens Bank offers competitive interest and access to Online Banking.

A Certificate of Deposit lets you lock in a high yield that's guaranteed from the day you open the account until the day it matures. This means you can count on earning a certain amount of money over a set period of time.

You can open your basic savings account from Citizens Bank today and start building your savings. It's a great way to get started with saving money and making progress towards your financial goals.

Our accounts are designed to help you manage your finances effectively.

The Personal Savings account has been designed to earn a competitive interest rate. This means you can earn more interest on your savings over time.

If you're looking for a checking account that pays you back for your money, consider the Personal Interest Checking. It's designed to meet your needs at a competitive interest rate.

You can earn a competitive interest rate with the Personal Savings account, perfect for saving for a specific goal. This account has been designed to earn a competitive interest rate.

Whether you need a loan for a vacation, home improvements, or something else, Citizens Savings Bank and Trust Company makes borrowing quick and easy with their Personal Loans.

With Citizens Savings Bank and Trust Company, you might be able to save money on a special low, locked-in interest rate that could be 100% tax-deductible (consult your tax advisor).

You can save money on a Home Equity Loan with a locked-in interest rate.

A Home Equity Loan from Citizens Savings Bank and Trust Company is a great option for homeowners who want to tap into their home's equity.

Their Home Equity Loan offers a special low, locked-in interest rate that's 100% tax-deductible, making it a smart financial move.

The leadership at Citizens Savings and Trust Company is made up of experienced professionals who have a deep understanding of the banking industry.

They have a strong track record of success, with a history of innovative thinking and a commitment to community involvement.

Anthony Lewis and Gil Beverly have joined the board, bringing their expertise to the table. Anthony Lewis is a seasoned executive with a proven track record of success, having led numerous high-profile projects in his career.

Gil Beverly's background in finance and operations will be a valuable asset to the board, helping to shape the bank's strategic direction.

Csb & T Bancorp, Inc is a parent organization that took over Citizens Savings Bank And Trust Company in 2007.

Csb & T Bancorp, Inc became the parent organization of Citizens Savings Bank And Trust Company in 2007, marking a significant change in the bank's leadership.

Citizens Savings Bank And Trust Company has a rich history, having been established 121 years ago in Nashville, TN.

The bank has had a few parent organizations throughout its history, with Bank Of America Corporation serving as its parent from 1996 to 1999.

Here are the parent organizations of Citizens Savings Bank And Trust Company: