New Offices
New Offices
FDIC Insurance FAQ
17 locations slider
Celebrating 100 Years
Celebrating 100 Years
Student Loans
New Offices
FDIC Insurance FAQ
16 locations slider
CITB-0122-006-History Slider Update
Online Account
previous arrow
next arrow


Online banking with bill pay is
just a click away.

24 hours a day,
7 days a week

We can offer you a solution that fits
your lifestyle and financial needs.


Business owners have a lot of worries.
Your bank shouldn’t be one of them.

Servicing Polk County
since 1920

We treat every customer and their
financial needs as priority number one.


We tailor loans to fit your individual
personal and business needs.

attentive service

Local lenders experienced in providing a
variety of financing options.


From investments, to trusts and
estate planning, we want to be your
trusted financial advisor.

Planning for
the future

Helping you become more informed in
all areas of your financial life.

Your Community Bank

From first homes to first cars, births to college tuition, and business start-ups to retirement planning, Citizens Bank & Trust has proudly served our customers since 1920. We are local bankers who work for, live in, and support this wonderful community we all call home. We know how hard you work and you deserve a bank that works just as hard for you. We're here for the long haul for you and your financial needs.

Citizens Bank & Trust is a full-service financial institution, with a wide range of account and loan products tailored to fit your individual needs. Additionally, we offer the most experienced group of wealth management, trust and private banking professionals in the market to assist you.

We take great pride in being one of Florida's oldest banks and work every day to serve the financial needs of our customers, while still providing a hometown banking feel. We are a true community bank and will always consider you and your financial needs our number one priority.

We are Citizens Bank & Trust and we are proud to be your bank!


Get to Know: Jason Hayes

Jason Hayes is the Senior Vice President and Chief Information Officer for Citizens Bank & Trust. He joined the Bank ...
Read More

Citizens Bank & Trust Announces Referral Agreement with College Ave

LAKE WALES, FL – Citizens Bank & Trust is pleased to announce that the Bank has entered into an agreement ...
Read More

Citizens Bank & Trust Names Amy Stavely to Lead Downtown Lakeland Office

LAKE WALES, FL – Amy Stavely has joined Citizens Bank & Trust as Vice President and Office Manager. She will ...
Read More


Easy Access

Our Mobile Banking Services provide 24/7 access to your Citizens Bank & Trust accounts through your tablet or smartphone. This gives you the ability to conveniently pay your bills, check your balances, make transfers, deposit checks and much more while on the go.