It’s Our Anniversary!

Citizens Bank and Trust, headquarters in Guntersville, AL has been serving communities throughout North Alabama for 15 years!

Lets Celebrate! CBT is offering 3% APY for the Kasasa Rewards checking accounts.

Yes, you read that right, 3%! (Qualifications apply.)

How we started

Citizens Bank and Trust opened for business in March of 2003 and has seen steady growth since day one, something bank executives attribute to the tremendous support they received from the community.

"The most gratifying thing was how the community rallied behind us," said Executive Vice President Stanley Patterson."

"We see our customers at church, we see them at the grocery store, we see them at the baseball field," said President and CEO Charlie Williams, "and I think they appreciate the fact that we are kind of one of them."


What started as a small bank above an attorney's office in downtown Guntersville has grown to a large bank family serving nine locations including: Guntersville, Albertville, Elkmont, Rogersville, Arab, Cullman, New Hope, Oneonta, and Hazel Green.

"Our growth is really very exciting," said Guntersville Chief Operations Officer Susan Tully, "because it has all been organic. We have made no acquisitions, we have simply gone where we were needed." 

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Our Future

With that growth has come a new beautiful headquarters in downtown Guntersville. The new bank was completed in 2017.

"It's the perfect location for us," Mike Allred Chairman of the Board. "It will enable us to be able to continue to be a part of our community and expand as we need to."

Part of being a community bank is actually being part of the community. Community involvement is something CBT has always values, and its something they plan to continue well into the future.

"We are able to be involved in our schools and various others (like) the United Way and our local Chambers," said Susan Tully, "so I really feel like we've been able to make a positive impact on our local community."

We want to thank all of the communities we serve for 15 great years. Be sure to sign up for a new checking account and receive 3% APY! *

Open A Free Checking Account Today!

*APY=Annual Percentage Yield. APYs accurate as of 01/04/2013. Rates may change after account is opened. Minimum to open is $25. If qualifications are met each monthly qualification cycle: (1) Limited ATM fees incurred during qualification cycle will be reimbursed up to $10 ($5 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 3.00%; and (3) balances over $15,000 earn 0.15% interest rate on portion of balance over $15,000, resulting in 3.00% - 0.52% APY based on account balances up to $115,000. Balances higher than $115,000 would yield an APY less than 0.52% APY. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM-processed transactions and withdrawals do not count towards qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $4.99 or higher.