CITBA Financial Corporation is a holding company of Citizens Bank, which is a full-service bank that provides a range of personal and commercial banking services. Citizens Bank offers savings, checking and individual retirement accounts, as well as certificates of deposit. Founded in 1931, the bank provides commercial real estate, mortgage, home equity, auto, home improvement, personal, equipment and construction. Citizens Bank provides Internet and phone banking, check imaging, wire transfer, overdraft protection and direct deposit services. It additionally offers debit and credit cards, ATMs and traveler s checks. Its online services include personal e-mail accounts, account statements, cash management, and bill payments and transfers.