Citizens Bank

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Checking & Savings

At Citizens Bank you can find World-Class checking and savings products combined with our friendly hometown service.  Representatives are eager to assist you at all branch locations.  Everyone needs a checking or savings account that is tailored to their needs and Citizens Bank is here to help.

Certificates of Deposits

  • Competitive rates Everyday
  • FDIC Insured – Your money is safe and secure
  • Easily open a CD at the closest branch near you
  • Representatives at all our branch locations are available to assist you


Citizens Bank offers a variety of loan products suited for your financial needs.    We would like to help you with determining the right loan for you.  You may submit an application online by clicking on the “Loans” link at the top of the home page.  Individuals are also available by telephone or in person at any of our five branch locations.

Contact us at 800-977-2265 for more information.



Bounce protectionsm

 At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account.  Having a check returned due to insufficient funds can be costly, inconvenient and a potentially embarrassing experience. 

At Citizens Bank we do not encourage overdrafts.  As always, we encourage you to manage your finances responsibly.  However, we want to save you from additional merchant fees and possible damage to your credit history that might result if a check is returned.  That is why we provide Bounce ProtectionSM, a special overdraft service for Citizens Bank's customers.  To learn more about this service CLICK HERE for the detailed brochure.

What You Need to Know about Overdrafts and Overdraft Fees: An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

We cover your overdrafts in two different ways: (1) We have standard overdraft practices that come with your account.  (2) We also offer overdraft protection plans such as a link to a savings account and an Overdraft Protection line of credit.  To learn more ask us about these plans.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions: (1) checks and other transactions made using your checking account number, and (2) automatic bill payments.

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:  (1) ATM transactions and  (2) Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type transaction. If we do not authorize and pay an overdraft, your transaction will be declined. 

What fees will I be charged if Citizens Bank pays my overdraft?  Under our standard overdraft practices: (1) We will charge you a fee of up to $30 each time we pay and overdraft.  (2) The maximum amount of overdraft fees you may be charged in a day for overdrafts on your account is $150.

What if I want Citizens Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions? If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please call 423-526-5000 or CLICK HEREto download the request form.  Complete the form and mail it to Citizens Bank; Attn: Bounce Protection 130 S. Broad Street, New Tazewell, TN 37825 Note:  You must sign and date the form in order for the request to be processed.

Contact us at 800-977-2265 for more information.  Citizens Bank welcomes your feedback/comments regarding the bounce protection.  You can submit this information through the "Contact Us" tab on the home page.

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