Have you ever had to make a special trip to pick up and cash your pay check?
Are you tired of paying high fees to cash your paycheck?
Have you ever waited for a check to be mailed to you?
If you answered YES to any of these questions, then the PayLynk Visa ® Debit Card is for you.
PayLynk Visa ® Debit Cards allow customers to get more out of their hard earned pay. Convenient, secure, reliable and powerful, the PayLynk Visa ® Debit Payroll Card gives customers access to their pay without the hassle of having to pick up and cash a paycheck. PayLynk does not require a bank account or a credit check. PayLynk eliminates check cashing fees, is more secure than carrying cash and has the prestige of a Visa ® Debit Card. This payroll debit card can be used to purchase goods and services anywhere Visa ® Debit Cards are accepted.
GiftVantage Visa® Gift Cards
GiftVantage Visa ® Gift Cards are available in any denomination from $10 up to $500 and can be redeemed for goods orservices anywhere Visa® Debit Cards are accepted. GiftVantage Visa ® Gift Cards are easy to give, easy to use and are agreat gift for any occasion. Pick up your GiftVantage Visa® Gift Card at your local financial center!
24 Hour Telephone Banking
770-322-9047 in Metro Atlanta
888-214-3099 for Columbus and Alabama customers
Online Banking
Citizens Trust Bank's online banking service offers access to a wide array of services via the Internet. Our services include viewing available balances, transferring funds between accounts and bill payment services. Please click on the more info link located in the upper right corner of this page for more information about this service.
Bill Payment
Are you tired of writing and mailing checks to pay the same bills every month? Have you ever missed a payment because you forgot to mail the check even when you had the money in your account? If so you may want to sign up for Citizens Trust Bank Bill Payment Services. Our online bill payment service makes paying bills a little easier with the following features:
Low $5.95 flat monthly service fee
Ability to schedule payments weekly, semi-monthly or monthly
Make singular payments in any amount
Faster payment (it takes 3 business days for electronic payments vs 5 business days for bills sent via check)
Overdraft Protection
Never again will you worry if there are enough funds in your account for a check to clear. With CTB's overdraft protection, the check will clear without costly NSF fees. A savings account is the only requirement to add this additional feature to your checking account.
The exact overdraft amount can be transferred from your savings to your checking account
Low $5.00 fee for each overdraft
Direct Deposit
Not enough time to make it to the bank each payday? Not to worry, Citizens Trust Bank offers Direct Deposit into any checking or savings account. Your paycheck will be automatically deposited into the available balance of your account each pay period and can be withdrawn the same day from the ATM or from a quick visit to any of our convenient locations.
ATM/Debit Cards
Contact your local Financial Relationship Manager to:
order a new ATM or Debit Card
reset a security PIN
report a lost or stolen ATM/Debit Card or CTB Credit Card during normal financial center hours
Call 800-528-2273 to report a lost or stolen ATM/Debit Card outside of normal financial center hours.
Call 800-325-3678 to report a lost or stolen CTB Credit Card outside of normal financial center hours.
Check Reorder Request
Citizens Trust Bank offers you the convenience of having your checks reordered via the Internet. If you want to place an order with no changes, simply complete the Check Reorder Request form and a new order of checks will be mailed to you within 7-10 business days. If your request requires a change of address, or if you would like to order a different check style, please visit your local financial center and one of our representatives will be more than happy to accommodate your request.

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