History

In 1997, organizers of Citizens Effingham Bancshares, Inc. embarked upon a quest to meet the need in Effingham County, Georgia for a bank committed to promoting economic growth and community involvement.

Citizens Bank was organized with the communities that make up Effingham County in mind. Springfield, being centrally located and the county seat, was chosen as the site of the main office, which opened its doors on September 8, 1998. The Rincon office opened November 2, 1998. Rincon is the county's largest municipality. Growth in Effingham County has been phenomenal in recent years. In an effort to satisfy the needs of a growing market, the bank's management and directors decided to build an office in Guyton, Georgia, which opened on June 13, 2005. Each office is a full service banking facility, complete with drive up ATMs.

From the beginning, Citizens Bank of Effingham has been characterized by integrity and honesty and a place of business where customers receive respect and quality service. To this day, Citizens Bank of Effingham is the county's only locally-owned and operated bank. Most banks offer similar products and services at similar costs, but only Citizens Bank provides customers with the convenience of an office and drive up ATM in Springfield, Rincon, and Guyton. Customers benefit from our local decision making with a focus on personalized customer service. We treat our customers as more than just an account. We treat them as individuals. We invite you to experience the Citizens Bank Advantage. You'll be glad you did.