Celebrating 100 Years
Celebrating 100 Years
A Partnership
CITB-0919-481-100 year celebration
Online Account
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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.

Polk County’s Bank Since 1920

From first homes to first cars, births to college tuition, and business start-ups to retirement planning, Citizens Bank & Trust has proudly served Polk County 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 Polk County’s bank 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!


Citizens Bank & Trust Receives FDIC Approval for Expansion into Hillsborough, Pasco Counties

LAKE WALES, FL – Citizens Bank & Trust has received full regulatory approval to acquire the Valrico and Dade City ...
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Citizens Bank & Trust Extends Family-Owned Bank into Hillsborough, Pasco Counties

LAKE WALES, FL – Citizens Bank & Trust announced today that an agreement is in place with Hillsboro Bank to ...
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100 Days of Giving Initiative Recap

As part of our 100-year anniversary celebration, Citizens Bank & Trust was pleased to provide an opportunity for 29 qualified ...
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  1. National Philanthropy Day

    November 5 @ 8:00 am - 11:00 am
  2. Veteran’s Day – Bank Closed

    November 11 @ 8:00 am - 5:00 pm
  3. Heart for Winter Haven Vision Banquet

    November 11 @ 6:30 pm - 8:00 pm
  4. Frostproof Chamber Luncheon with Sheriff Grady Judd

    November 16 @ 12:00 pm - 1:00 pm
  5. Girls Inc. of Winter Haven, Angels Among Us – “fun-raiser”

    November 16 @ 5:30 pm - 8:00 pm

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.