Citizens Business Bank began in 1974 and now has over 7 billion in assets. Customers span from Laguna Beach to the Central Valley regions. Citizens Bank offers trusts, financing, loans, personal and business accounts, investments and government banking services. There are secure night depositories for business clients depositing large sums of money. It offers several beneficial accounts for the individual including a health savings account to manage unpredictable health expenses, a 55 and up checking account for seniors and an investment checking account for interest bearing on your account.