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Where are the Bank’s branches located?

We have 11 locations across Southside Virginia. To find a location near you, click on our Locations & Hours page.

What do I need to open an account?

In order to open an account, we require:

  • Two forms of valid identification
  • Account holder to be of legal age
  • Minimum deposit amount for the account type you are opening

You may visit any of our convenient locations to set up an account.

What is the bank’s routing number?

The bank’s routing number is 051402233.

What are the hours of operation?

Our business hours vary by location. Please visit our Locations & Hours page for specific information.

What is the cut-off time for deposits?

To provide our customers with greater convenience and flexibility with their banking services, we offer same-day deposit hours.

Are my deposits FDIC insured? If so, by how much?

Yes. All deposit accounts are FDIC insured up to the maximum amount allowed by law, which is currently $250,000 per depositor, subject to aggregation rules.

Who do I call if I lose my debit card?

If your debit card has been lost or stolen, please call us immediately. During business hours call 1-800-550-1873 or after hours call 1-800-500-1044.



Online Banking

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Email Disclaimer

Notice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands, Citizens Bank & Trust Company suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. Instead, please contact Citizens Bank & Trust Company directly at your nearest bank branch.