Citizens Bank & Trust Company offers personal and business checking accounts. The company operates several banking centers in northwestern Mississippi. It provides real estate, agricultural, consumer and construction loans. Citizens Bank & Trust Company offers individual retirement accounts and certificates of deposit and checking. In addition, the company provides Internet and telephone banking solutions for bill payment and balance checking purposes. It is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender. Citizens Bank & Trust Company also offers savings and money market accounts. The company provides short- and long-term commercial lending solutions. It additionally offers safe-deposit boxes and traveler s checks.