Mastercard Debit Card

The Citizens Trust Bank MasterCard® Debit is accepted at millions of merchant locations worldwide, including restaurants, hotels, and online retailers. You can even use Debit MasterCard to automatically pay monthly bills with MasterCard Bill Pay. Using the Citizens Trust Bank MasterCard® Debit to manage your finances is more convenient than using checks because funds are immediately deducted directly from your checking account. Having an electronic record of every transaction the moment you make it can be a real time saver and makes keeping track of what you spend a snap.


CTB Visa® Gift Cards

CTB Visa ® Gift Cards are available in any denomination from $10 up to $1000 and can be redeemed for goods or services anywhere Visa® Debit Cards are accepted. Visa ® Gift Cards are easy to give, easy to use and are a great gift for any occasion. Pick up your CTB Visa® Gift Card at your local financial center!


24 Hour Telephone Banking


Online Banking

Citizens Trust Bank's online banking service offers access to a wide array of services via the Internet. Our services include viewing available balances, transferring funds between accounts and bill payment services. Please click on the more info link located in the upper right corner of this page for more information about this service.


Bill Payment or Bill Pay

Are you tired of writing and mailing checks to pay the same bills every month? Have you ever missed a payment because you forgot to mail the check even when you had the money in your account? If so you may want to sign up for Citizens Trust Bank Bill Pay. Our online bill payment service makes paying bills a little easier with the following features:

  • Free with e-statement and Debit Card
  • Low $5.95 flat monthly service fee
  • Ability to schedule payments weekly, semi-monthly or monthly
  • Make singular payments in any amount
  • Faster payment (it takes 3 business days for electronic payments vs 5 business days for bills sent via check)



Citizens Trust Bank e-statements are safe, fast and convenient. With the e-statement service you can enjoy the convenience of having your monthly account statements delivered to your email.

No more waiting for the mail or storing bulky paper envelopes. Receive monthly statements faster and more securely. Enroll today and create a paperless way to view your financial information.


Overdraft Privilege Program

Never again will you worry if there are enough funds in your account for a check to clear. With CTB's overdraft protection, the check will clear without costly NSF fees. A savings account is the only requirement to add this additional feature to your checking account.


  • The exact overdraft amount can be transferred from your savings to your checking account
  • Low $5.00 fee for each overdraft


Overdraft Privilege

Overdraft Privilege is a discretionary service provided to eligible customers.  It is designed to help guard customers against having items returned by our bank.  At the discretion of Citizens Trust Bank, each eligible customer is provided a specific Overdraft Privilege limit depending on the type of account they have.  NSF/Overdraft fees are included in the Overdraft Privilege limit.
IMPORTANT INFORMATION regarding Overdraft Privilege Accounts


Learn more about Overdraft Protection and Privilege Services.


Direct Deposit

Not enough time to make it to the bank each payday? Not to worry, Citizens Trust Bank offers Direct Deposit into any checking or savings account. Your paycheck will be automatically deposited into the available balance of your account each pay period and can be withdrawn the same day from the ATM or from a quick visit to any of our convenient locations.

ATM/Debit Cards

Debit/ATM CARD Self-Service: Card Activation and PIN Select

STARTING April 1, 2015 Using the 24x7 Interactive Voice Response (IVR) system, Citizens Trust Bank Debit/
ATM card holders can activate their new, reissued or replacement cards; AND through this system customers can now select and change their personal identification number (PIN).

Citizens Trust Bank Debit Card -  It's the fast, easy, secure way to pay everywhere that Master Card® accepted.
Reach for it every time you're ready to pay.

Stay protected against fraud. Contact us immediately at 888.214.3099 if your card is lost or stolen


Check Reorder Request

Citizens Trust Bank offers you the convenience of having your checks reordered via the Internet. If you want to place an order with no changes, simply complete the Check Reorder Request form and a new order of checks will be mailed to you within 7-10 business days. If your request requires a change of address, or if you would like to order a different check style, please visit your local financial center and one of our representatives will be more than happy to accommodate your request.