Citizens Bank, founded in 1949, offers a variety of financial products and services to its customers. It provides various deposit options that include savings, checking, business and direct deposit accounts. The services offered by the bank include financial counseling, payroll deduction and notary services. It also provides overdraft protection facilities to customers. In addition, it offers a variety of value-added services that include 24-hour online transaction, e-statements and money orders. The loan products provided by the bank include signature, pledged, mortgage and home construction loans. The bank also offers loans for home purchase, business, real estate and agriculture. Citizens Bank is located in Kilgore, Texas.