Ask your local lender about the FHLB "Welcome Home" Program

You may be eligible for up to $5,000 towards the purchase of a new home! Please visit our mortgage page and contact your local lender to see if you qualify. $5,000 Welcome Home Grant must be used for buyer's down payment and closing costs. Income, property, loan program, and other restrictions apply. Grant funds allocated to Citizens Bank are limited and are only available while supplies last. Certain requirements must be met for grant to be forgiven. Click here for More

Check out our Mobile Banking page!

See the new EZ Deposit Mobile video and discover all of our other mobile banking offers! More

Fiercely Independent for more than 80 Years…

As we look ahead into the new year, we are excited to continue our 80 year legacy of serving the citizens of the Tri-Cities region. It has been quite a journey from the small office on Elk Avenue in Elizabethton to being one of Tennessee’s top 25 independent banks. We want to thank you for being part of our story. Click to read more about Citizens Bank’s 80 years of strength, progress and service to our communities. More

Bank on the Go!

Did you know you can view your balances, transfer money between accounts and even pay bills right from your cellphone? With CB Mobile, there are even more ways to bank your own way at Citizens Bank. More

BIG PLANS for your business?

Citizens Bank can meet all your financial needs. From FREE Checking to Customized Business Checking, there’s an account for you — no matter what size company you have. Call 423-952-2265 about your BIG plans and take advantage of our current Business Banking offers! More

Bank Owned Property for Sale

Commercial Properties

Citizens Bank Mortgage Loan Originators

Click here for list of our mortgage loan originators and registration numbers of the Nationwide Mortgage Licensing System & Registry. Link here to the NMLS consumer access website. More