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Save More, Stress Less

Personal banking made simple, rewarding, and built around your everyday life.

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Personal Checking Accounts Designed for Southern Oklahoma

Managing your money should be straightforward and stress-free. That’s why Citizens Bank and Trust’s checking accounts are packed with perks to keep your finances moving smoothly and securely. From free instant-issue debit cards to mobile banking on the go, every account is designed to support your lifestyle. Plus, with a low $50 minimum opening deposit and the option to earn rewards and interest, you’ll find an account that’s the perfect fit.

Every new personal checking account includes:

  • FREE Instant Issue Debit Card
  • FREE Online Banking & Bill Pay
  • FREE Mobile Banking & Mobile Deposit
  • FREE eStatements
  • FREE Thank You Gift (plus more when you refer a friend)
  • Buy back of your old debit cards and unused checks up to $10

Elite Interest Checking

Earn more on higher balances with competitive rates when you maintain $1,500 or more.

  • Higher interest on qualifying balances.
  • Free first book of checks when you open.
  • Only a $6 monthly charge if your balance falls below $1,500.
Get Elite Interest Checking Account

50+ Interest Checking

Perfect for customers 50 years and better, this account comes with extra benefits.

  • FREE personalized checks with your account.
  • Competitive interest rates with no minimum balance required.
  • A checking account built for flexibility and ease.
Get 50+ Interest Checking Account

Simply Free Checking

Bank with no distractions or extra services attached.

  • No monthly service charge.
  • No minimum balance requirement.
  • FREE first book of checks.
Get Simple Free Checking Account

Citizens Choice Checking

Prefer paper statements? This account keeps it simple.

  • No minimum balance requirement.
  • Free first book of checks.
  • Just a $3 monthly paper statement fee.
Get Citizens Choice Checking Account

Benefits Checking

An account that pays for itself with extra perks! For just $6.95 per month, you’ll enjoy added protection and savings designed to fit your busy life.

  • Cell Phone Protection: Coverage for the first five lines on your bill ($600 per claim / $1,200 annual limit).
  • CyberScout® Identity Theft Resolution: A personal advocate to restore your identity if compromised.
  • Roadside Assistance: Lockouts, battery service, and more, whenever you need it.
  • Accidental Death & Dismemberment Insurance: Up to $10,000 in coverage, with seatbelt and airbag bonuses.
  • Shopping, Travel, & Entertainment Discounts: Grocery coupons, dining perks, and hotel savings.
Open a Benefits Checking Account
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Strengthen Your Savings With Citizens Bank and Trust

Savings Plans

Saving money should feel just as simple and rewarding as spending it wisely. Our Savings Plans are designed to help you grow your balance while giving you the tools to stay in control. Whether you’re setting money aside for a rainy day, a big purchase, or future goals, our flexible savings options keep you on track.

  • Make up to six withdrawals or debits per quarter with no fees.
  • After six withdrawals, a small $1.50 fee applies per transaction—helping you keep your account focused on saving.
  • FREE Instant Issue Debit Card for easy access when you need it.
  • Convenient features like Direct Deposit and Automatic Payments to keep your finances running smoothly.
  • 24/7 access through FREE Online Banking, Bill Pay, Mobile Banking, and Mobile Deposit.
  • Always stay organized with FREE eStatements.
  • Pair your savings with an additional checking account for seamless transfers.
  • Access more financial tools, including personal loans and even free business checking, if you’re ready to grow beyond personal banking.
  • With competitive features and convenient digital access, our Savings Plans help you save smarter while still keeping life flexible.

You can also explore our Kid’s Savings and Christmas Club Accounts for even more savings potential!

Open a Savings Plan

Talk to Our Ardmore Banking Team Today

Choosing the right account shouldn’t feel overwhelming. Our southern Oklahoma bankers are here to answer your questions, explain account features, and help you open an account that truly fits your lifestyle. From checking to savings and everything in between, we’ll guide you every step of the way.

Stop by one of our branches or call us at (580) 226-4610 to get started. With personalized support and local service, banking has never felt this easy.

Send Us A Message

Ready to open your account? Contact us today and let our team help you find the perfect fit.

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