Citizens Bank & Trust

Citizens Bank & Trust is a full-service financial institution headquartered in Lake Wales, Florida, serving Polk County and the surrounding communities since 1920. Situated at 222 Florida 60, the bank provides an extensive range of personal, business, and wealth management solutions tailored to the diverse needs of local residents and regional enterprise owners. Its personal banking division encompasses checking and savings accounts, MasterCard debit and ATM cards, consumer loans, residential mortgage lending, and student loans. For commercial clients, Citizens Bank & Trust delivers business checking, business savings, and specialized financing options including small business real estate loans, equipment financing, auto loans, and lines of credit. Clients also have access to comprehensive wealth management services through Citizens Financial Group, offering trust management, investment planning, and private banking options designed to assist with long-term financial security and estate planning.

Delivering secure and convenient financial management, Citizens Bank & Trust pairs traditional community-focused banking with modern technology. Account holders benefit from 24/7 digital accessibility via online banking with bill pay, mobile banking, online loan payment processing, Zelle integration, and interactive teller machines across its branch network. Dedicated local lenders provide personal, attentive service to ensure each individual and enterprise receives customized financing strategies for their specific goals. The bank also prioritizes customer safety by providing comprehensive cybersecurity guidance and keeping clients informed across all areas of their financial life. Whether assisting with first homes, business start-ups, commercial credit solutions, or retirement planning, Citizens Bank & Trust maintains a steadfast commitment to supporting the Polk County community with reliable and accessible banking services.