Professionals in medicine, dentistry, veterinary care, and other demanding fields need more than basic banking, they need a financial partner who understands complex careers, busy schedules, and long-term goals. At Citizens Bank & Trust, we combine advanced technology with personalized service to take care of you, so you can take care of patients and clients.
A Financial Partner Who Understands Your Practice
Your needs are unique, whether you're purchasing equipment, expanding your practice, managing cash flow, or planning for personal financial growth. Our bankers take the time to understand your goals and tailor solutions that work for your professional and personal life.
Local Decisions. Faster Answers. Stronger Relationships.
As a locally owned bank based in North Alabama, loan decisions are made by people who know the community and your industry. You can speak directly with decision-makers.
The Citizens Bank & Trust Medical and Dental Professionals Mortgage Program is designed to support healthcare providers by offering flexible home financing solutions that recognize their unique financial situations.
Program Overview
The Citizens Bank & Trust Medical and Dental Professionals Mortgage Program is designed to support healthcare providers by offering flexible home financing solutions that recognize their unique financial situations.
Loan Features
- Loan amounts up to $1 Million with 0% down payment Loan amounts greater than $1 Million with down payments as low as 10%
- Private Mortgage Insurance: Not Required
- Student Loan Flexibility: Deferment and income-driven repayment considered favorably
- Gift Funds allowed for down payment or closing costs
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Running a successful practice requires more than excellent patient care, it requires efficient cash flow, secure payment processing, and smart fraud protection. Citizens Bank & Trust offers tailored Treasury Management solutions designed specifically for professional practices, helping you simplify operations and stay focused on what matters most.
- Remote Deposit Capture
Deposit checks securely from your office, speed up funds availability, reduce interruptions, and keep your focus on patient care. - ACH Origination
Move money efficiently with electronic payments. Simplify payroll, vendor payments, and recurring collections while improving cash flow and reducing paper checks. - Merchant Services
Accept payments through a HIPAA-compliant platform designed for healthcare providers. Streamline front-office operations and deliver a modern payment experience for patients. - Positive Pay (Defense against transaction fraud)
Protect your accounts with advanced fraud prevention. Review and approve payments before they clear, maintaining control without slowing down daily operations.
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Helping healthcare professionals pursue success and seek long-term security.
At Citizens Wealth Management, our LPL Financial Advisors work closely with medical and professional clients to provide personalized wealth management solutions tailored to their unique financial needs. Whether you are early in your career, growing a practice, or planning for long-term security, our team focuses on building lasting relationships and strategies that support both your professional success and your family’s future.
Practice Solutions
Designed for practice owners and business professionals:
- 401(k) Plans
- SEP IRAs
- SIMPLE IRAs
- U.S. Treasury Bills
- Life Insurance
Personal Wealth Solutions
Focused on your long-term financial future for you and your family:
- 401(k) Rollover Services
- College Savings Plans
- Traditional IRAs
- Roth IRAs
- Life Insurance
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Citizens Bank & Trust and Citizens Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Citizens Wealth Management, and may also be employees of Citizens Bank & Trust. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Citizens Bank & Trust or Citizens Wealth Management. Securities and insurance offered through LPL or its affiliates are:
| Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose value |
Your Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html.
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