Citizens Bank and Trust Company  
Online Banking


Quick Links:

Cash Management Online Demo
Cash Management User Guide
Business Checking
Business Card Application
Cash Growth Options
Debit Card
Employee Benefits
International Banking
Private Banking
Treasury Management

Product Break Even Calculator

“What I like best about my banker is how the answer is always ‘yes.’ I may have pictured a different way to get there, but one way or another we get down to yes.”


Professional Practice Solutions

What is Dental Practice Banking?

Like dental work, financial services come in many specialties. Dental Practice Banking at Citizens Bank & Trust is headed by a banking specialist with vast experience helping practices and their principals – you. In concrete terms:

• Your time is very valuable, so your dental banker meets with you on your schedule at your location and at your convenience.

• Problem resolution is a quick phone call or email away, regardless of time or day.

CB&T has studied the industry and competition to bring you the most succinct and creative financing options, Quick, Direct and Personal...Just the way they should be.

Loans and Lines of Credit

Expand your dental office, purchase equipment, fund working capital needs and much more with competitive rates and terms
customized for your needs.

• Operating Lines of Credit

• Equipment Loans

• Real Estate Financing

• Corporate Credit Cards

• Acquisition Financing

What is CB&T Healthcare Banking Solutions?

Every organization needs a banking relationship in which they conduct business with people who they trust. At Citizens Bank & Trust, our healthcare team works closely with those in the healthcare industry to evaluate each unique situation to develop and formulate an adaptive & innovative solution. We believe that within the situation lies the answer.

Our team approach is just that, a team of healthcare banking professionals who are fully engaged in fulfilling our promise to provide our clients with solutions. At CB&T Healthcare Banking, we simply provide innovative solutions.

While most financial institutions offer very little differentiation in ways of products and services, CB&T Healthcare Banking’s innovative approach is what differentiates us and creates a partnership with our client. Quite simply, we are just like a healthcare organization, and because no two patients are alike, we don’t assume anything and we believe in a "business is unusual"

Equipment Finance

Whether your company is experiencing growth or you are investing in cutting edge technology, we’ll be there with terms you can live with, and solutions you can depend on.

Equipment Revolver

In a world where timing means everything, we’ll help you develop a financing strategy that allows you to take advantage of opportunities by having real time access to capital for equipment

Leasehold Improvements

We understand that leasehold improvements are a way of life for our healthcare clients. Finding that right space is only the first step.

Working Capital Finance

The biggest challenge for companies today is in managing their cash. We understand how receivables get stretched and cash needs rise when demand rises. We believe that business is unusual.

Acquisition Financing/Partnership

In this ever changing environment, healthcare organizations are constantly looking for ways to improve their bottom line. We understand acquisitions and also understand how to finance them.

Commercial Real Estate

New construction, expansions, renovations, and building purchases are all at the heart of the matter, which is to provide our communities with convenient access to healthcare. Enough said.

Small Business Administration (SBA) Lending
Utilize flexible programs and rate structures with SBA.

Other Services

Treasury/Merchant Services

Employee Benefits

• Your banker works to optimize financial success for your personal and business life by assembling experts to apply the appropriate treatment.

Experience Citizens
    Gain a competitive advantage by working with experienced and talented professionals delivering all your financial services

Let’s talk! Contact 816-459-4000 or