ATM

Founded in 1919, Citizens Trust Bank is a subsidiary of Citizens Bancshares, which provides general commercial banking and mortgage brokerage services. Citizens Trust Bank is a full-service bank that provides certificates of deposit, savings accounts, checking accounts, individual retirement accounts and mortgage loans. Additionally, it offers credit cards, ATMs, commercial loans, Internet banking, mutual funds and construction lending. The bank also offers Internet shopping cart service that provides Internet payment processing to existing Web sites using a certified shopping cart. It issues customer loyalty and gift card programs for merchants. Its online services provide personal e-mail accounts, account statements, and online payment and transfer services. Citizens Trust Bank is headquartered in Atlanta and has various branches located throughout Georgia and Alabama.