Citizens Savings Bank is a locally managed and operated bank that has been serving Northeastern Pennsylvania for over 120 years.

We’re dedicated to building long-term customer relationships through outstanding service. Even our CEO, Raymond C. Hebden, has noticed just how many Citizens Saving Bank customers and staff are on a first name basis. And when the CEO knows, you know you’re doing something right.

A Long History of Building Strong Communities

It was back on July 17, 1902 that a group of twelve friends and neighbors with foresight met to found what’s now known as Citizens Savings Bank. The group was united by a common goal: to provide funds for homebuyers and builders, while offering a safe, profitable place for people to invest their hard-earned money. Today, Citizens Savings Bank has seven branch offices located throughout Lackawanna, Wayne, and Monroe Counties.

Five-Star Service and Services

Citizens Savings Bank enjoys a 5-Star Superior Rating — the highest rating possible from BauerFinancial, the independent financial rating bureau trusted by consumers, investors, and journalists to judge the health of financial institutions. While we appreciate getting a good report card, we know the true mark of success is customer satisfaction. That’s why we’re always looking for new ways to save you time and money. Here are a few of the value-added services we offer:

Kasasa® – Reward yourself with free checking and savings, plus perks. On top of no monthly maintenance fee and refunds on ATM withdrawal fees nationwide,* Kasasa checking accounts offer different perks like competitive interest, cash back, and even refunds for what you buy online! Plus, Kasasa Saver® provides an innovative way to save money, time, and effort.

Customized Lending – Whether you want to buy a new car, buy a home, or secure funds for a variety of personal needs, we have the financing for you. We offer several financing options to make your dreams more affordable, from fixed-rate loans to first-time homebuyer specials.

Time-Saving Services – Find more time in your day with our wide variety of account management tools and services, such as online banking & bill pay, mobile banking with mobile deposit, and more!

Educational Resources – Managing money can seem overwhelming. Make more informed financial decisions — faster. From videos on identity theft prevention, to FAQs on a variety of topics, our collection of educational resources will help put your financial concerns to rest.

Your Success — Our Mission

From our CEO to your local teller, all of us at Citizens Savings Bank are committed to one thing above all else — you. Our mission statement is the roadmap to your financial success:

"To profitably provide financial products and services to individuals, families, and small businesses in the most efficient, productive, and secure manner possible."