Rushing might be one of the things you do best these days, which means rushing to the bank just isn’t on your list. That’s why we offer mobile and online banking solutions. You can even check out a demo of our online banking platform to see how you like it.

Plus, we feature other banking services that make your life a little easier. Want to give but feel like you don’t have the time or the money? Switch to one of our Spirit Debit cards. With every swipe you’re giving back to your local school. Worried about paying bills on time, every time? Start using our free Bill Pay service. Easily track your payments and pay all your bills with just a few clicks. Want to learn more about all that Citizens Deposit Bank has to offer? Give us a call or stop by!

Current Customer?

New Customer?

Wherever you place your money, you need to know it’s secure and easily accessible. At Citizens Deposit Bank, we’ve been serving our friends since 1949. We’re a local bank that offers big banking services from mobile banking options, mortgages, car loans, equipment loans, checking accounts, savings accounts, credit cards and so much more.

CDB Mobile Banking is a convenient way to make transactions through a mobile device (cellphone, tablet, etc). Our mobile app is FREE and allows you to do all you can do at our banking center anytime, anywhere!

  • View account balance, activity, and transactions
  • Label accounts
  • Transfer funds
  • Locate a branch or ATM
  • Deposit Checks
  • Change PIN
  • Turn your CDB Visa Check Card ON/OFF
  • Bill Pay
  • Contacts Us

CDB Mobile Banking is easy to use. Access CDB Mobile Banking from any web-enabled device, or download the app for iPhone® or Android® by clicking on the download links below.

Google Play
App Store

Teen Checking Accounts

Is your teen ready for financial independence? Then there is no better way to help them learn about spending, saving, budgeting and more than to let them open their first checking account!

Some benefits of opening a teen checking account:

  • Direct Deposit: most employers nowadays prefer to set up employees with direct deposit so they can more easily manage payroll. It’s also the quickest way to get paid!
  • Check Cashing: it’s not just for paychecks! If you want to cash a check at CDB, you must have an account to process that payment.
  • Learning Experience: managing ones finances is a necessity. And the best way to learn is through experience!

Show Your School Spirit With Our Spirit Cards!


Show your school spirit by joining our Spirit Card Program! Cards can be issued for Ballard, Carlisle, and Hickman County school systems. Represent your local school AND support them with every purchase you make!

  • Represent Your Local School.
  • Make A Donation With Every Transaction*.
  • Support Your Community Just By Purchasing!

To join us in supporting our local schools, simply get your spirit card, select “credit,” and sign for any transaction! Based on the total number of transactions, Citizens Deposit Bank will reward each respective school system with a cash donation.

Citizens Deposit Bank has donated over $30,000 to local schools through our Spirit Cards program! Learn more and sign up to get yours today!

*Must be a “Credit” transaction. CDB will make a donation to each school annually.

Spirit Cards

Online Banking

Online Banking is a FREE service that allows our customers secure and convenient access to their accounts anytime. Some of the functions available with Online Banking are:

  • Access and print information on all accounts, including loans
  • Review and print transactions
  • Transfer funds between accounts and make loan payments
  • View and Confirm deposits, withdrawals, and checks cleared
  • Receive EMail Alerts
  • Bill Pay

Set up your online banking today! Contact us if you have any questions about our Online Banking or the self-service registration process.

Visa Check Card

Get a CDB Visa Check Card with your checking account then easily manage your account with our mobile banking app. Want to show your school spirit and support your local schools at the same time? Check out our Spirit Cards. No matter what type of check card you get with your CDB account, you’ll be able to:

  • Customize or change your pin at any of our locations.
  • Manage it with our free Mobile Banking App.

Call or visit one of our locations to learn more!To report a lost/stolen card or suspected fraud during non-banking hours, please call us at (800)264-4274 extension #-19247.

Visa Check Card

CDB Credit Cards

Shopping for a credit card? Get a CDB Credit Card from ELAN Financial Services by applying online!


Online BillPay is a FREE service from CDB that allows you to easily keep track of all your payments. Keep your account, and your payments, in order with our easy-to-use online banking platform or our mobile app!

If you’d like to learn more about BillPay or our online banking services, we are happy to help! Contact us today!

Mobile Wallet

Apple, Google and Samsung Pay is easy and works with the devices you use every day. You can make secure purchases in stores, in apps, and on the web. For more information on this product please contact one of our branch locations.

Text Message Banking

Text Message Banking allows 24-hour access of your accounts from your cell phone via text. You can also receive daily or monthly alerts on your account balances!

Just choose from one of our available text commands, send it to 662265 and we will automatically reply within seconds.

  • BAL- Returns balance on default account
  • BAL ALL – Returns balance on all accounts
  • BAL alias  – Returns balance on alias account
  • ACT – Returns activity on default account
  • ACT alias – Returns activity on alias account
  • CMD – Returns short description on all command
  • HELP – Provides phone number for Citizens Deposit Bank support

*Standard text messaging rates may apply.*

Reorder Checks

If you are 55+, a student, active military, or on government payroll, please CALL US PRIOR TO ORDERING. Thank you!