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Established in 1962, Citizens Bank & Trust Company is a full-service financial institution that offers various personal and commercial investment and lending solutions. The bank provides checking, savings and individual retirement accounts. Its range of products includes automobile, home equity, construction and commercial mortgage loans. In addition, Citizens Bank & Trust Company issues certificates of deposit. It offers online banking services that include bill payment and money transfer. The bank provides trust services, such as retirement, tax and estate planning and investment management. Citizens Bank & Trust Company offers ATM and debit cards for its account holders. The bank is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender.