FAQs

Welcome

Whether you’re at home, at work, or on the road, Citizens Bank of Effingham is here for you 24 hours a day, seven days a week. We offer several services that let you decide when and how you want to interact with us–via telephone, ATM or online.

This guide is designed to help answer your questions about how Online Banking works and how it can help manage your finances online. You’ll find with Online Banking that it is a flexible financial management tool, with the ability to do more than just give you information about your account balances. Our Online Banking system is in “real time,” so when you access your accounts you know that your balances are accurate and up-to-date.

Not only can you access your account information and transfer funds, you’ll also be able to export account information to Quicken® and create customized reports to analyze your spending habits.  After becoming an Online Banking user, you’ll find that you are able to reduce the amount of time you spend managing your finances.

Welcome and we hope you enjoy this quick and convenient way to bank online, best of all, our online banking, bill paying and eStatement services are available at no charge to you, our valued customer.