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General Info

Founded in 1919, Citizens Trust Bank is a subsidiary of Citizens Bancshares, which provides general commercial banking and mortgage brokerage services. Citizens Trust Bank is a full-service bank that provides certificates of deposit, savings accounts, checking accounts, individual retirement accounts and mortgage loans.

Citizens Trust Bank is a community bank, we are supported by the people and we support them back. 


Regular Hours

  • Certificates of Deposit
  • Savings Accounts
  • Checking Accounts
  • Individual Retirement Accounts
  • Mortgage Loans
  • Credit Cards
  • ATMs
  • Commercial Loans
  • Internet Banking
  • Mutual Funds
  • Construction Lending

Do you have an eCommerce business? The bank also offers Internet shopping cart service that provides Internet payment processing to existing Web sites using a certified shopping cart.

We now provide services from Western Union at any of our Citizens Trust Bank Financial Center locations.

Money Magazine recognized our credit cards as the best in the country for rates and fees.  Call us and ask why. 

Citizens Trust Bank is headquartered in Atlanta and has various branches located throughout Georgia and Alabama.  For a full list of our locations, please visit our website.
Downtown Atlanta, Peachtree Center
We issue customer loyalty and gift card programs for merchants. Our online services provide personal e-mail accounts, account statements, and online payment and transfer services.

FDIC insured

Approved lender for the Georgia State Small Business Credit Initiative (Georgia SSBCI)

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