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Citizens Independent Bank offers a variety of products and services online to expedite the application process. We understand that flexibility and convenience are what our customers need to successfully manage their finances.


Visit our easy & convenient Mortgage Service Center for all your mortgage needs!

Available Products

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  • Mortgages & Refinances
  • Home Equity Loans & Lines of Credit
  • Construction & Investment Property Mortgages
  • Rates

Personal Checking

Your checking account is among your most important money management tools. CIB offers checking accounts to suit a wide variety of financial needs. All of our checking accounts are available for online account opening:

  • Independent Checking
  • Citizens Checking
  • Premier Checking


Learn More     Apply Now


Personal Savings

Regardless of your savings goals, CIB has a savings account to fit your needs. Waive the monthly service fee on any savings account simply by maintaining the minimum balance. The following accounts are available for online account opening:

  • Money Market Savings

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  • Regular Savings

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  • Thrift Savings

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Certificates of Deposit (CDs)

Make your money work for you – invest in a CD. CIB offers a variety of rates and terms to help you start saving for your future. 

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The following personal CDs are available for online account opening:

  • One Year
  • 15 Month Special
  • 18 Month 
  • 30 Month Trade-A-Rate
  • 39 Month Special
  • Four Year
  • Five Year

Online Banking

CIB’s Online Banking Services allow you to access your account anytime, anywhere, 365 days a year. Enrollment in Online Banking is required to access the additional services.

The following Online Banking Services are available for online account opening:

  • Online Banking

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  • eStatements

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  • Bill Pay

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  • Mobile Banking & Mobile Deposit*

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Download the free** CIB App at the Google Play Store or Apple App Store


Debit Card

A CIB debit card gives you the convenience of plastic with the benefits of cash! Businesses can also benefit from debit cards by providing an easy way to make purchases, track expenses, and manage finances.

Learn More

Apply Now for a Personal Debit or ATM Card

Apply Now for a Business Debit Card


Credit Card

Looking for a credit card without the hassle? Choose a CIB Platinum Visa®!

For business, a CIB Visa® corporate card can also help you keep your company’s expenses on track and secure the buying power you need.

Learn More

Apply Now for a Personal or Business Credit Card 


Personal Loan

If you need to purchase a vehicle or take a much-needed vacation, we can help! CIB offers local decisions with fast responses, great rates, and generous terms on loans of any size.

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  • Auto & Truck Loans (new or used)
  • Boat Loans (new or used)
  • Motorcycle Loans (new or used)
  • Recreational Vehicle Loans (new or used)
  • Personal Line of Credit
  • Convenience Credit (overdraft protection)

Business Deposit Account

We’ll work to discover what makes your business unique and what checking and savings accounts would best suit your needs.

Learn More about Business Checking Accounts 

Learn More about Business Savings Accounts 

Apply Now


Employment Application

People make the difference at Citizens Independent Bank. Many of our employees have been here 5, 10… over 40 years! 

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*Contact Customer Service via the secure message system within Online Banking to request activation of Mobile Deposit.
**Your mobile carrier's text messaging and internet charges may apply.