Citizens Bank & Trust Online Banking Login

Founded in 1920, Citizens Bank & Trust has always been a family owned bank. For the first 78 years, Citizens Bank & Trust helped grow and develop the area around Frostproof, Florida. As Polk County’s oldest bank still in existence, Citizens continues to provide customers with high quality financial products and superior customer service. The headquarter is in Frostproof, Florida.

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Citizens Bank & Trust online banking platform lets people monitor their account’s “real-time” balances, review transactions, transfer funds, and pay others. Citizens Bank & Trust Online Banking is simple and convenient for individuals who don’t have the time to bank during the normal banking hours.Citizens Bank & Trust has security features that are designed to protect your personal information. The following guide will help you login, recover or reset forgotten online banking credentials.


To access your Citizens Bank & Trust account through online banking platform, you must provide your online banking credentials. Here are the login steps:

Step 1- Open this link in your browser to access Citizens Bank & Trust website

Step 2- In the homepage, provide your Access ID and Passcode, then click login 

You will be able to access your online banking account after the system approves your login credentials.


Citizens Bank & Trust allows you reset or even recover your forgotten online passcode. Follow the guide below to reset your forgotten passcode:

Step 1- In the homepage, click Forgot passcode? link

Step 2- To reset your passcode, please enter your Access ID, Primary Email Address, and Account Number of one of your online accounts, then click Submit 

Once the system approves your account details, you will be able to reset your forgotten passcode.


Account holders in Citizens Bank & Trust can enroll in online banking through the following steps:

Step 1- In the homepage, click the Enroll link

Step 2- Review Electronic Disclosure Consent Statement and tick the highlighted checkbox, then click I Agree to proceed

Step 3- Review the Internet Banking and Bill Payment Agreement and tick the highlighted checkbox, then click I Agree to proceed

Step 4- Provide the requested account details, then click Continue 

If the system approves your account details, you will have set your online banking account.


With Citizens Bank & Trust’s Online Banking, you can:

  • Pay bills online
  • Check available funds
  • Transfer funds
  • See check images
  • Stop payments
  • View accounts

Federal Holiday Schedule for 2023 & 2024

These are the federal holidays of which the Federal Reserve Bank is closed.
Citizens Bank & Trust and other financial institutes are closed on the same holidays.

Holiday 2023 2024
New Year's Day January 2 January 1
Martin Luther King Day January 16 January 15
Presidents Day February 20 February 19
Memorial Day May 29 May 27
Juneteenth Independence Day June 19 June 19
Independence Day July 4 July 4
Labor Day September 4 September 2
Columbus Day October 9 October 14
Veterans Day November 10 November 11
Thanksgiving Day November 23 November 28
Christmas Day December 25 December 25

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