Private Banking

Affluent clients often have unique and complex financial needs. Our Private Bankers have tremendous experience serving busy professionals, executives and successful entrepreneurs, as well as families managing generational wealth. Private Bankers meet their clients at a place and time that is most convenient to them, providing unsurpassed service and personalized financial solutions.

As your single point of contact for all your financial services, your Private Banker will focus on developing a foundational understanding of you and your specific needs. Our Private Banking Team offers a full range of financial solutions designed to help you build, manage, preserve and transition your financial assets.


As you continue to build wealth you may have multiple and diverse goals, such as growing your business, enriching your lifestyle, providing for your loved ones and increasing charitable giving to causes that are important to you. Through our planning process, our Private Banking Team will provide you with integrated resources to reach your growth goals.

Credit Solutions

We can help you achieve a variety of financial goals, such as diversification of your portfolio, risk management, asset protection and special growth opportunities by utilizing credit as a strategic resource. Flexible and creative lending solutions help you align your debt structure with your goals while preserving capital for other investments.

Deposit Solutions

Private Banking affords you deposit services designed to provide convenience, flexibility and service. Depending on the account selected and its minimum balance requirements, you could enjoy:

•  Free Checks

•  No Monthly Fees

•  Increased ATM Withdrawal Limits

•  Up To 4 Free Online External Bank Transfers Per Month

Private Banking Team


Sr. VP, Director of Wealth Management


VP, Private Banking Officer

Michelle “Missy” Joyce

VP, Private Banking Officer


VP, Private Banking Officer

Please do not send confidential information when emailing Citizens Bank & Trust staff. 

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.