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. Based on this understanding, we will assemble a team of financial specialists to create a customized wealth management strategy for you. 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.


As your wealth builds you may require solutions that respond to the growing complexity of your circumstances. We have the resources of specialized professionals who can help you manage your assets with credit, deposit and trust and investment solutions.

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


Preserving your assets in a fluctuating market is important to you. We collaborate with our experts in Trust and Investment Services to create strategies that keep you reaching your goals, while also managing risk.


The Citizens Bank & Trust Private Banking Team understands that the transition of your legacy wealth creates special circumstances.  We will create the trust and banking solutions that align with your own unique long-term financial goals and responsibilities.

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. 

Deposit and loan products are offered by Citizens Bank & Trust, Member FDIC and Equal Housing Lender

Investment and Advisory Products and Services:


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.