Founded in 1902, The Citizens Savings Bank is a full-service Federal Deposit Insurance Corporation-insured commercial bank. It offers a wide range of financial services, including fixed-rate real estate loans, commercial and consumer loans, Internet and phone banking, ATMs, free personal checking, flexible-maturity certificates of deposit and money market accounts. Additionally, it offers insurance, foreign currency exchange services, individual retirement accounts and a wide assortment of interest-bearing transaction accounts with check card access. The Citizens Savings Bank is a wholly owned subsidiary of United Bancorp, which is a multibank holding company. The Citizens Savings Bank operates through more than 10 full-service branches. It is headquartered in Martins Ferry, Ohio.