Online Education Center




Some of our customers have reported receiving a fraudulent email from

If you receive this email, do not open it, do not click on its links, do not open its attachments, and do not reply to it. Delete it from all of your devices.

The email falsely represents itself as coming from our organization, but it is not associated with our organization in any way. Our systems were not utilized to conduct this fraudulent email scheme and our systems remain secure. The email contains an attachment. Clicking on the attachment could download malicious software (malware) that may capture passwords or personal financial information, and may disrupt or damage systems.

The risk associated with this fraudulent email can be lowered as follows:

1. Install and use anti-virus software, and update it as recommended by its supplier.

2. Do not use passwords that include common information like you or your spouse’s name, birthday, wedding anniversary, social security number, or the word password, 123 or etc.

3. In addition, our bank offers an Online Education Center with “Identity Theft Prevention”, a complementary course for our customers.

To find the complementary course go to our website at and click on > Click to Learn More. Then click OK – to leave our site. Click on View to the right of “Identity Theft Prevention”.

If you wish to discuss this or have questions, please contact your local Citizens Bank Banking Center.



As you are aware, email has become the preferred method for private and corporate communication. However, email is not a private conversation; unencrypted email messages can be intercepted and read.  To ensure the confidentiality of private information sent via email and comply with regulations, Citizens Bank has implemented a new email encryption service through Zix Corporation, the leader in email encryption services.

For both our employees and our customers, Zix Corporation makes encrypted communication easy. ZixCorp’s services allow us to send encrypted email messages to anyone, whether they are a ZixCorp customer or not.  They also allow our customers to send encrypted email messages to us.


Secure Email Message Center

Just click on the (button with an envelope) on
the Home page.  To find out more about
ZixCorp and encrypting messages, go to


Home Mortgage Link

Citizens Bank is now offering its customers and prospective customers, the opportunity to apply for a mortgage loan online!  By clicking on the Blue Button on our website, a secure, online application is available 24/7. Our online mortgage application is easy to fill out and protects sensitive borrower information with the highest available industry standard encryption. Let Citizens Bank finance your home or help you build your dream home. Whether you are refinancing your home, purchasing a new home, Citizens Bank can help you finance the home that is right for you.


Citizens Bank's Mortgage Loan Originator ID# 458011. Citizens Bank is an Equal Housing Lender and Member FDIC. 

All loans are subject to approval.

Citizens Bank introduces secure statement delivery...

This new service allows you to safely retrieve your DDA and Savings statements on-line, utilizing an easy-to-use web-based process.

The new "e~statement" service provides secure access, utilizing dual authentication in prevention of phishing.

 Three words used to describe the new secure statement delivery service for e~statements.

SECURE - The dual authentication offers the peace of mind for everyone’s security needs.

CONVENIENT - With a few clicks of the mouse you can have access to full image enabled statements from any computer with an internet connection. You can now download, save, and print all their available online statements for your documentation needs.

ECO-FRIENDLY - An environmentally friendly way to retrieve your financial records.

Just print and complete the E-Statement Enrollment Form and turn it in to your local banking center.




Federal financial regulators are concerned that fraudsters are using more complex and malicious techniques to circumvent existing authentication controls, gain control of customer accounts, and transfer funds.


Regulation E provides consumers with some protections for electronic fund transfers and usually applies to accounts with internet access. It establishes limits for the consumer’s liability for unauthorized electronic fund transfers. There are specific procedures you need to take to help resolve an error with your account and you will need to take action in a timely manner. Please notify us immediately if you believe your access information has been stolen or compromised. Please review the activity on your account and periodic statement promptly and contact us if you find any errors or unauthorized transactions. Our Electronic Fund Transfer disclosures have more information on these types of protections. They were provided at account opening or can be provided upon request.


We would like you to know the following to help ensure the security of your online transactions:

1. We will never email, call or otherwise ask you for your user name, password or other electronic banking credentials.

2. You may consider implementing alternative risk control mechanisms to mitigate your risk such as:

a. Choosing a user name and password that mixes small case letters, upper case letters and numbers;

b. Changing your password often;

c. Protecting your user name and password information;

d. Ensuring you have a firewall in place when making financial transactions;

e. Reviewing your account activity regularly; and

f. Logging off the system when you have completed your transactions.

3. Commercial online banking customers should perform a related risk assessment and controls evaluation periodically.


If you notice suspicious account activity or experience customer information security-related events, please contact us by calling your local banking center or by calling 903-984-8671.



For more information about FDIC insurance coverage of non interest-bearing transaction accounts, visit


To demonstrate our commitment to providing quality products and services that meet the needs of both our consumer and business customers. Under the Quicklinks section, we have also provided you with a list of commonly used third-party links that we are sure you will find informative and helpful. In addition to the dynamic features available on our portal Home Page, we would like to invite all visitors to our site as well as our customers to browse each of the additional pages to learn more about the past, present and future of Citizens Bank and the products and services we have to offer. Our Online Banking product is a user-friendly system that provides secure, around the clock account access to both our consumer and business customers, giving you the flexibility to manage your finances at your convenience. Once you have successfully enrolled, you can view your account balances and check images, print statements, transfer funds, make loan payments, and use the secure messaging system to request additional services or assistance. And, because maintaining the privacy of your confidential information is our priority, access is password protected and all transactions are secured using strict encryption standards. For more information or to see a demonstration visit our Online Banking page or simply click on the First Time User link located in the upper right hand corner. To enroll, consumers can complete the Personal Enrollment application online and once submitted, your temporary password will be sent directly to you and should arrive within 5-7 business days. Business customers should contact a customer service representative for an enrollment application.

Thank you for visiting Citizens Bank Online!


Citizens Bank's Mortgage Loan Originator ID# 458011

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Citizens Bank does not control the content of or approve any website that is linked through this browser. Search results are not filtered or screened by the bank or any of its agents, representatives or service providers. Users who search the Internet using this browser do so at their own risk and are responsible for the results.

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