On Monday, May 22, 2017, every customer that has not already received a Smart-Chip Debit Card was issued one of these cards. You will receive this card in the mail. The number on the cards will remain the same as will your PIN #. If you have any questions, please call us at 270-335-3392.
Please read this notice regarding ATM transactions. On March 29, 2017 "Chip Card" transactions processed at our Diebold ATM's (Bardwell & Arlington) will be somewhat different. The ATM will not release your card until your transaction is completed. You will insert your card, process your transaction and then "wait" for the ATM to release your card back to you.

If you are a Chip Card holder and you process a transaction at our NCR ATM at our Wickliffe location, you will insert your card and leave the card until instructed by the machine to remove it. This ATM will release and instruct you to remove your card before dispensing any cash.

Welcome to
Citizens Deposit Bank

We are a community bank that works hard to exceed your expectations everyday. We are the bank where you know your banker and your banker knows you. We foresee a bright future with a commitment to building relationships with strong community ties.


We offer a variety of accounts to make it possible to bank YOUR way. From basic checking to money markets, CDs and IRAs earning competitive interest rates, the choice is yours.

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At Citizens Deposit Bank, we understand your needs. We can help with flexible terms that fit your budget. Competitive rates, prompt answers and customer service make us an excellent choice for loans.

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Citizens Deposit Bank offers a variety of services to meet your banking needs 24 hours a day; ATMs, Citizens Connection, internet banking, mobile banking and soon to come mobile apps for Apple and Android.

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