Citizens Bancshares Corporation operates The Citizens Bank, which offers a range of financial products and related services. Founded in 1943, the community bank provides personal and business checking, savings, money market and individual retirement accounts. It also offers certificates of deposit and debit and credit cards. In addition, The Citizens Bank provides a variety of personal and commercial loan options. The bank offers night depository, merchant card and wire transfer services. It provides online savings and retirement payout calculators. The Citizens Bank additionally offers online banking services for its customers. The bank maintains a mortgage department that provides refinancing solutions. It operates more than 10 branch locations in South Carolina. The Citizens Bank is a member of the Federal Deposit Insurance Corporation. It serves nonprofit businesses, estates, churches and civic organizations
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