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Banking Products Designed Around You

Explore checking, savings, and specialty accounts built to support your financial journey at every stage of life.

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Discover Our Banking Products in Southern Oklahoma

At Citizens Bank and Trust, we believe the right account can make everyday banking easier, smarter, and more rewarding. That’s why we’ve designed a variety of product options to help you manage money with confidence. From everyday checking and savings accounts to fun and goal-oriented plans like our Kids’ Savings Club or Christmas Club Accounts, you’ll find simple, flexible solutions here.

Our goal is to provide tools that fit your lifestyle, help you reach milestones, and give you peace of mind. Explore your options below and see how we can support your financial goals.

Explore Our Account Options

No two customers are the same, and neither are their banking needs. We provide accounts tailored to students, families, small business owners, and anyone looking to save with confidence. Below are our most popular product categories. Click to learn more about each and see which account is the right fit for you.

Personal Products

Everyday checking and savings accounts that simplify money management, with features like debit cards, online banking, and mobile deposit.

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Kid’s Savings Club Accounts

Start teaching smart money habits early. Our Kid’s Savings Club makes saving fun and rewarding for children with easy deposits and special perks.

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Christmas Club Accounts

Plan ahead for the holidays with our Christmas Club Savings Account, an easy way to set aside money throughout the year for stress-free shopping.

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Commercial Products

Our Commercial Banking services provide tailored financial solutions to help businesses manage cash flow, access capital, and achieve long-term growth.

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Loans

Our Loan services provide flexible financing options to help you reach your goals with confidence and ease.

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Frequently Asked Questions About Our Banking Products

We provide a wide range of account options to fit every stage of life. Our offerings include everyday checking and savings accounts, Kids’ Savings Club Accounts to help children learn smart money habits, and Christmas Club Accounts that make holiday budgeting stress-free. Each product is designed to simplify your finances while keeping your goals in mind.

Choosing the right account depends on your financial needs and lifestyle. For everyday money management, a checking account may be the best choice. If you’re building savings or teaching your child about finances, a savings or Kids’ Club Account may be right for you. Our team is always happy to walk you through features and help you select the best option.

Yes! All of our accounts are designed with convenience in mind. With online banking and our free mobile app, you can check balances, make deposits, transfer funds, and even pay bills anytime, anywhere. This means you’ll have the flexibility to manage your finances on-the-go while still knowing our local team is here to support you whenever you need.

Ask About Our Banking Products Today

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