Founded in 1983, Citizens Bancorp of Hickman operates The Citizens Bank, which is a community-based financial institution. It provides checking, savings and individual retirement accounts. The Citizens Bank offers money orders, cashier s checks, travel and gift cards, savings bonds and safe-deposit boxes. The bank also provides wire transfer services, as well as offers a range of debit, credit and ATM cards. It provides checking accounts for senior citizens and children. The Citizens Bank additionally offers agricultural, automobile, consumer, business and commercial loans. It provides financial services for homes, rental houses and duplexes. The bank offers certificates of deposit and online banking options.