Online Banking

  • Carthage, TN

  • Sparta, TN

  • Cookeville, TN 

  • Gordonsville, TN

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Need a deposit account?

We offer a variety of deposit products.

If you’re with another institution, switch your Accounts to Citizens Bank anytime from anywhere. It’s quick and easy. Stop by any of our convenient locations today. We are here to meet your needs.

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Buying a home?

Interest rates on home mortgages are at their lowest point in decades.

There has not been a better time in years to buy or refinance your existing mortgage. We offer low and highly competitive interest rates.


Online Security

To Report a Lost or Stolen Debit Card, please call number below:
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1-615-418-5569 (if no answer, call 1-800-383-8000).

To place a fraud alert on your credit report call 1-800-525-6285


24 Hour Telephone Banking

Turn your phone into your nearest branch.
Smith County: 615-735-2265
White County : 931-836-2268
Putnam County : 931-526-6105


From meager beginnings in 1929, assets have grown to approximately $585 million with a capital of $101 million and capital to assets of 17%.  It is the largest independent community bank in the area it serves.