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Personal Banking

Citizens Business Bank is one of the most soundly managed, profitable financial institutions in the country. We’ll provide you with the services you want — and the personal service you expect and deserve.

Personal Checking
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An account designed for the individual with an average amount of activity.

55 Checking
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Open Account

An account designed for the individuals 55 years of age or more with a minimal amount of activity.

Investment Checking
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An interest-bearing checking account designed for the individual, sole proprietor or certain non-profit business and government agencies.

Personal Savings
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An interest-bearing account for individuals. This account may be linked to a checking account with like names to ensure overdraft protection.

HSA Checking Account
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A Health Savings Account (HSA) is for an individual and designed to provide more control over their healthcare expenses. It can also offer a special tax-advantaged strategy for paying current and future medical expenses.

  • Federal Deposit Insurance Corporation (FDIC) coverage.
  • Interest bearing checking account with competitive interest rates.
  • Interest accumulates tax-free.
  • Easy access to funds with a Visa debit card (no checks allowed).
  • Pre-tax dollars are used to fund the account to pay for current and future medical care expenses which can include dental, vision, accident, disability and long-term care benefits.
  • Tax-free distributions are available for current and future qualified medical expenses. After age 65, the account owner can also use the funds for non-medical expenses without incurring tax penalties.
  • Contributions are deductible from Federal income taxes.
  • Contributions remain in the HSA from year-to-year until they are used. There is no "use it or lose it" provision as there is with a flexible spending account.
  • HSAs can be established up to December 1st of the calendar year.
  • The account holder has until April 15th to make contributions to the HSA for the previous calendar year.
  • Contribution limits for 2009 are $3,000. Individuals who are 55 and older may make additional "catch up" contributions to HSAs up to $1,000.

Call 1-877-4-CBBANK to open an account
or visit one of our banking locations.
Certificates of Deposit (CD)

An investment on which the bank pays a particular rate for a specific term (days, months, or years). Deposits may be issued in either fixed term or auto-renewable term. Interest compounds daily and is paid monthly, quarterly, or at maturity. For terms longer than one year, interest must be paid at least annually.

  • Safe, secure and flexible. Enjoy the protection of Citizens Business Bank.
  • Principal and interest guaranteed.
  • Flexible. Customer determines maturity date and interest payment option to meet his own cash flow needs.
  • Qualified collateral for any borrowing requirement.
  • Investment may be made in any amount of $2,500 or more.
  • Customers have the option of having their interest credited to another Citizens Business Bank account, mailed to them in the form of a check or added to the principle balance.
  • A penalty may be imposed for early withdrawal of any or all of the deposited funds before the maturity date.
Minimum Opening Deposit of $2,500

Safe Deposit Boxes

Safe Deposit is a service whereby the Bank grants the customer exclusive access to a box housed in a private section of its vault for storage and protection of personal items.

Safe Deposit Boxes are available to any Citizens Business Bank customer with documents, valuables or other possessions that need to be protected from theft and fire.

  • Safety. Protects documents, valuables and other important possessions.
  • Privacy. Confidential reviewing of valuable documents and important papers.
  • Security. Exclusive access.
  • Variety. Safe deposit boxes come in various sizes at various prices.

IRA Accounts

Are you looking for a savings opportunity? If so, why not think about a Citizens Business Bank Individual Retirement Account.

Personal Credit

Citizens Business Bank offers a wide variety of Personal Credit Programs to meet your personal and business needs.

Personal Installment Loans

Citizens Business Bank offers a wide variety of installment loans to meet your personal and business needs.

  • New and used automobile loans
  • New and used truck loans
  • Recreational vehicles
  • Home equity loans
  • Equity lines of credit
  • Second trust deed loans

No matter what type of installment loan you need, your Citizens Business banker is prepared to advise and assist you in accomplishing your goal. In many cases you can be pre-approved for a loan before you go shopping, giving you the confidence you need to make a wise purchase.

Learn more about our variety of personal loans by contacting your business financial center or calling 1-877-4-CBBANK

Benefits of Personal Banking

Member FDIC Equal Housing Lender Verisign Secured

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Citizens Business Bank Corporate Headquarters, 701 N Haven Ave. Ontario CA 91764 | Toll-Free:1-877-4-CBBANK

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