Your community, your bank.

At Citizens Bank of Morgantown, 95% of every dollar we invest stays right here – building personal relationships and empowering your community.

Locally Owned Since 1922

Are you tired of banking with the “big guys” who prioritize their profits over your needs? Look no further than Citizens Bank of Morgantown, Morgantown’s only locally-owned bank. With us, 95% of every dollar you deposit is reinvested back into our community, helping your family, friends, and local businesses achieve their financial goals. As a personalized and relationship-focused bank, we have the ability to do more for you and with you. When you bank with us, your business is done right here in Morgantown by our experienced team members who understand the unique needs of our community. Take control of your financial future and join us at Citizens Bank of Morgantown today!

Citizens Bank of Morgantown

Banking Services

At Citizens Bank of Morgantown, we pride ourselves on offering a wide range of low-cost financial products and services designed to meet the diverse needs of our customers. Whether you’re looking for checking and savings accounts, CDs, IRAs, or loans, we have you covered.

Personal Banking

Personal Banking

We believe personal banking means knowing you by name. We have the personal banking products you need.

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Business Banking

Business Banking

Our business is caring for your business. We offer business accounts perfect for any size business.

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We offer several mortgage options and mortgage decanoins are made locally.

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Online Banking

Online & Mobile Banking

Banking on your schedule. Bank on the go with our online banking solutions. 

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Our Citizen’s

Personal Banking

When you bank with Citizens Bank of Morgantown, you become part of our family. We understand the problems our customers face, such as a lack of personal relationships with their bank, low-interest rates on savings accounts, and hidden fees. That’s why we strive to provide a personalized experience, with real people ready to assist you when you need help.

At Citizens Bank of Morgantown, we are proud to be deeply connected to the prosperity of our community. Our wealth is tied to the wealth of Morgantown and Monongalia County, and we actively participate in community initiatives. Unlike big banks that often invest deposits elsewhere, we use our resources to benefit our community directly.  We turn your deposits into loans and investments that benefit our community.

Years in the Community

rating from

of every dollar is re-invested in Morgantown

Business Banking 

For small businesses in our community, we are the go-to bank for financing. Small and mid-sized banks like Citizens play a crucial role in supporting local businesses, accounting for more than half of all small business lending. We pride ourselves on being consistently rated as one of the strongest banks in the country, with a 5-star safety rating. Unlike big banks that often allocate resources to speculative trading and other risky ventures, our primary focus is on turning deposits into loans and investments that benefit our community.  We turn your deposits into loans and investments that benefit our community.

Become a Citizen Today

If you’re looking for a bank that truly understands your needs and cares about your community, choose Citizens. We are here to guide you, your family, and businesses on their financial journeys. Get in touch with us and experience the Citizens difference today!