With Citizens Bank’s suite of online and mobile banking tools, you can bank your own way – from anywhere, anytime. Manage accounts and pay bills with just a few clicks on your phone or computer. Easily set spending controls and receive instant alerts for your debit card. Go paperless with eStatements. Breeze through in-store and online checkouts with a digital wallet.

Click on the services below to learn more about these cutting-edge conveniences and more – plus 90 years of tradition to service across Tennessee. Only at Citizens Bank. 

With Bank-By-Net Online Banking you can:

  • Get up-to-the minute account information
  • Transfer funds between accounts
  • Make payments on Citizens Bank loans or credit lines
  • View front and back digital images of your cancelled checks
  • View and download checking and savings account statements
  • Export your account info into programs like Microsoft Money or Quicken

With Bank-By-Net Online Bill Pay you can:

  • Pay as many bills as you want
  • Control when bill payments are scheduled
  • Enter, edit, or delete payments 24/7
  • Pay merchants that accept electronic payments with rapid transfers
  • Pay other merchants with an automatically prepared and mailed paper check

How to get started:

Log into Bank-by-Net here then click LOGIN at the top of the page.

With CitizensBank24 - Mobile, you have instant access to your accounts wherever you go.

Smartphone users can enjoy the convenience of our iPhone and Android apps, and customers with a web-enabled phone can access the interface with their browser. For quick account info, you can use the Text Message Banking option with any phone that supports texts. And, as always, you’re protected by cutting-edge security technology when you bank with Citizens.

With CitizensBank24 - Mobile you can:

  • Check account balances
  • See recent transactions
  • Transfer money between accounts
  • Electronic Bill Pay
    • Pay bills
    • Set up new vendors
  • Make deposits with EZ Deposit Mobile* (Apple and Android apps only)
  • Find your nearest Citizens Bank ATM or branch (Apple and Android apps only)
  • Manage your Debit Mastercard(s)®.  Click Here for instructions to setup your accounts
    • Turn your debit card on and off
    • Set spending limits based on dollar amount, transaction type, merchant type
    • Set specific regions where the card can and can’t be used
    • Set parental controls and monitoring
    • Get instant alerts on specific types of transactions
Click here for important information regarding Debit Card Protection.
To report a lost or stolen card, increase daily debit card limit, or report travel plans, call (866) 882-2265.


How to get started:

Log into Bank-by-Net by clicking LOGIN at the top of the screen, select Options, click on Mobile Settings, and follow the onscreen instructions.

How to download the app:

The CitizensBank24 – Mobile app** is in Google Play or your favorite app store, or you can download the latest and most convenient version for Apple or Android devices here***.

* Deposit limits and other restrictions may apply. 

** Most smartphones and web-enabled mobile phones can be used with our mobile banking service. Mobile banking use is subject to the terms and conditions of the Citizens Bank Bank-By-Net Online Banking Agreement and Mobile Banking Agreement.

*** Your wireless service provider may charge additional fees for data usage and text messaging. Consult your wireless provider for details.

Our free Bank-By-Phone and Bank-By-Text options make your everyday financial management even easier.

Want a fast way to access account information, perform transactions, and make payments right from your landline or mobile phone without the need for an app? Bank-By-Phone makes that possible. And with Bank-By-Text, you can check your balances and recent transaction history in all enrolled accounts or a specified account from your text-enabled device.

With Bank-By-Phone, you can:

  • Check account info
  • Transfer funds
  • Make loan payments
  • Manage your debit card
How to get started with Bank-By-Phone:

Just call our toll-free line at (877) 543-8745.

With Bank-By-Text, you can:

  • Check account balances
  • Review recent transactions
  • Assign nicknames to your accounts for easy access

Available Text Commands

  • BAL - Balance in All Enrolled Accounts
  • BAL [Mobile Short Name] - Balance in Specified Account
  • HIST - Recent Transaction History for All Enrolled Accounts
  • HIST [Mobile Short Name] - Recent Transaction History for Specified Account
  • HELP - Shows list of available mobile commands
  • STOP - Ends Text Banking Enrollment

How to enroll in Bank-By-Text:

Log into Bank-by-Net by clicking Login at the top of the screen, select Options, click on Mobile Settings, click on Text Mobile Banking, and follow the onscreen instructions.

To report a lost or stolen debit card, increase daily debt card limit, or report travel plans, call (866) 882-2265. 

Receive your monthly bank account statements quickly and securely.

With eStatements, you don’t have to worry about snail-mail slowdowns, and you don’t have to archive paper files. Your statements are easily downloadable and available on your Bank-By-Net online banking portal for up to 18 months. eStatements are highly secure with our use of the latest encryption technology and fraud prevention software.

How to get started:

Log into Bank-by-Net here by clicking Login at the top of the page and sign up for eStatements.

Pay the easy way online and in stores with a Digital Wallet.

With a Digital Wallet, your payment and shipping information is conveniently stored in your mobile device. You can load your Citizens Bank Debit Mastercard® and/or Citizens Bank Credit Card(s) to make fast tap-and-go payments at any merchant with enabled terminals and within participating mobile apps for Apple and Android.

Choose from several options including:

  • Apple Pay®
  • Google Pay™
  • Samsung Pay™

How to get started:

Click here for complete instructions, FAQs, and links to download the Digital Wallet that’s right for you.