The Importance of Choosing a Community Bank - Citizen Bank and Trust
The Importance of Choosing a Community Bank
November 10, 2021

When choosing a new bank for you and your family, what do you consider before making a selection? Is it the financial products you are offered, the availability of technology that allows you to manage finances on the go, the level of service you receive, or the convenience of the bank being close to your home that you are most interested in?

What if I told you there is a way to combine all these great features while at the same time supporting the community you live in? It sounds almost too good to be true, right? Well, I’m here to tell you that this is possible, and it is as simple as choosing to bank with your local community bank.

There are many reasons that people should bank locally. When I say bank locally, I don’t mean selecting a bank that has thousands of locations where you are just considered a number. I mean choosing a community bank in your town. When you decide to bank locally, you join a family. A family that truly cares about your financial future and the future of the people in the town you live in.

Community Banks Provide Better Customer Service

Community banks have the ability to offer a higher level of customer service than those of larger financial institutions. Chances are you know the people running or working at your local community bank. They are your friends and neighbors, not someone who comes from out of town to work a job they have no interest in. The staff at community banks truly care about their accountholders, and they make an effort to put you on the right track to financial success.

Community Banks Support Small and Local Businesses

Many small business owners depend on financial institutions to provide the capital they need to get their business started. Community banks are true partners in this process, and they don’t just show up once a month to collect a check. In addition to the collaborative approach community banks take when helping small businesses, they also have a quicker, higher-quality loan approval process. This process gets business owners the money they need when they need it, and ensures it is not held up by bureaucratic formalities or endless paperwork.

Community Banks Offer the Same Products as Larger Financial Institutions

A common misconception is that community banks do not offer the same products that larger financial institutions offer. Not only do community banks offer the same variety of products, but they often offer them at a lower price. Community banks have the same great features including, but not limited to: online banking, mobile banking, online bill pay, and online account creation. As mentioned previously, the level of customer service is better at community banks as well. This means that when you have a question or concern about one of these features, you get an answer much faster.

Community Banks Invest in the Communities They Serve

Many large institutions offer charitable programs or opportunities to volunteer, but how do you know these efforts are going back into your community? Simply put, you don’t. Community banks call the towns they serve home. They focus these acts of service towards local organizations and community members in need.

If all of these reasons still don’t convince you to choose your local community bank, come see us at Citizens Bank & Trust to see for yourself the difference community banks make in the communities they serve. We’ve been in business for nearly 100 years, and we know how important it is to establish relationships with our accountholders.

We’re located at 1359 West Main Street in the wonderful city of Atwood, Tennessee. If you can’t make it in, feel free to send us an email at or call us at (731) 662-7171.

We look forward to serving you!

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