Citizens Bank and Trust: A Comprehensive Guide for Campbellsville, KY Residents

Citizens Bank and Trust is a prominent financial institution with a deep-rooted presence in Campbellsville, Kentucky. This article serves as a comprehensive guide to help citizens understand the bank's offerings, history, and commitment to the community.

A Legacy of Serving Campbellsville

Citizens Bank and Trust has been an integral part of Campbellsville's financial landscape for over 100 years. Established in 1919, the bank has played a vital role in supporting the economic growth and well-being of the community.

Wide Range of Financial Products and Services

Citizens Bank and Trust offers a comprehensive suite of financial products and services tailored to the needs of individuals, families, and businesses in Campbellsville. These include:

• Personal Banking: Checking accounts, savings accounts, money market accounts, CDs, and IRAs
• Business Banking: Business checking and savings accounts, commercial loans, and lines of credit
• Mortgage Lending: Conventional, FHA, and VA loans for home purchases and refinancing
• Wealth Management: Investment management, retirement planning, and estate planning
• Treasury Services: Cash management, lockbox services, and merchant services

Unwavering Commitment to the Community

Citizens Bank and Trust is deeply committed to supporting the Campbellsville community. The bank has been a major contributor to local charities, schools, and non-profit organizations. Additionally, the bank hosts and participates in numerous community events throughout the year.

Convenient Banking Options

Citizens Bank and Trust provides convenient banking options to its customers in Campbellsville:

• Branches: Two conveniently located branches at 100 Public Square and 55 Greensburg Street
• ATMs: ATMs located at both branches and at other convenient locations throughout the area
• Online Banking: Secure online banking platform with access to account balances, transactions, and bill pay
• Mobile Banking: Mobile banking app for account management and on-the-go transactions

Rates and Fees

Citizens Bank and Trust offers competitive rates and fees on its financial products and services. The bank provides clear and transparent information about its rates and fees, enabling customers to make informed decisions.

Table 1: Loan Rates

Table 2: Deposit Rates

Table 3: Fees

Customer Service

Citizens Bank and Trust is committed to providing excellent customer service. The bank's friendly and knowledgeable staff is available to assist customers with their banking needs. Additionally, the bank offers extended hours and Saturday banking at its Public Square branch.

Pros and Cons

Pros:

• Local presence: Deep-rooted history and strong ties to the Campbellsville community
• Comprehensive product offerings: Wide range of financial products and services for all needs
• Commitment to the community: Active participation in local charities and events
• Competitive rates and fees: Transparent and competitive pricing on loans and deposits
• Excellent customer service: Friendly and knowledgeable staff with extended hours and Saturday banking

Cons:

• Limited branch network: Only two physical branches in Campbellsville
• Higher fees than larger national banks: Some fees may be higher than those charged by larger banks
• Limited online banking features: Online banking platform may lack certain features offered by larger banks

Frequently Asked Questions (FAQs)

1. What are the hours of operation for Citizens Bank and Trust branches in Campbellsville?

Public Square Branch:
- Monday-Friday: 9:00 AM - 5:00 PM
- Saturday: 9:00 AM - 12:00 PM

Greensburg Street Branch:
- Monday-Friday: 9:00 AM - 4:00 PM

2. How do I open an account with Citizens Bank and Trust?

You can open an account by visiting one of the two branches in Campbellsville or by calling (270) 465-2111. You will need to provide personal information, such as your name, address, and Social Security number.

3. What are the requirements for a personal loan?

To qualify for a personal loan, you will typically need to have a good credit score, stable income, and a low debt-to-income ratio.

4. What is the maximum amount I can borrow for a mortgage?

The maximum amount you can borrow for a mortgage will depend on your income, debt-to-income ratio, and credit score.

5. How do I access my account online?

To access your account online, you can visit the Citizens Bank and Trust website and click on the "Online Banking" link. You will need to create a username and password to login.

6. How do I find the nearest Citizens Bank and Trust ATM?

You can find the nearest Citizens Bank and Trust ATM by using the bank's ATM locator feature on its website.

Call to Action

If you are seeking a financial institution that is committed to serving the Campbellsville community, Citizens Bank and Trust is the ideal choice. With its comprehensive product offerings, competitive rates, and unwavering customer service, Citizens Bank and Trust is well-positioned to meet your banking needs. Visit one of our branches in Campbellsville or call (270) 465-2111 to learn more and experience the difference.