Citizens Bank & Trust, founded in 1889, has been in business from the horse and buggy era to home computer banking. Through the great depression, world wars, the bank has been a part of the lives of the people of north Missouri. The bank is among the largest state chartered banks in the state. It offers a range of financial services from checking, savings, and loans to full trust services, employee benefits and electronic banking. Citizens Bank & Trust business services includes merchant card services with guaranteed funding within as little as two business days. The bank's electronic banking services include interface to existing terminals or the option of several land line terminals to wireless, on-the-go systems, even Web-based solutions. Its investment center has licensed representatives in several of the bank's branch locations to provide investment advice and services. Representatives provide services in the areas of general investing (mutual funds, stocks, bonds and variable annuities); IRAs and IRA Rollovers; college savings plans; tax favored investments; long term care and life insurance products. Citizen Bank & Trust maintains a location in Maryville, Mo.