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Welcome to Citizens Bank of Morgantown - Where Our Greatest Investment is You.

Six Reasons to bank with Citizens instead of the “Big Guys”

Better Services at Lower Cost

We offer the same array of services, from online bill paying to remote deposit capture and debit cards, at lower cost than big banks. Average fees here are substantially lower than at big banks. Studies show that small financial institutions also offer, on average, better interest rates on savings and better terms on loans.

Put Your Money to Work Growing Your Local Economy

Small businesses, which create the majority of new jobs, depend heavily on small, local banks such as Citizens for financing. Although small and mid-sized banks control less than one-quarter of all bank assets, they account for more than half of all small business lending. Big banks, meanwhile, allocate relatively little of their resources to small businesses.

Keep Decision-making Local

At Citizens, loan approvals and other key decisions are made locally by people who live in our community, who have face-to-face relationships with their customers, and who understand local needs. Because of this personal knowledge, our bank is often able to approve small business and other loans that big banks would reject.

Support Institutions that Share a Commitment to Your Community

The wealth of our Citizens is intimately tied to the wealth of Morgantown and Monongalia County. The more the community prospers, the more we all benefit. This is why we are involved in the community. Big banks, in contrast, are not tethered to the places where they operate. Indeed, they often use a community's deposits to make investments in other regions or on Wall Street.

Support Productive Investment, Not Gambling

The primary activity of almost all small banks is to turn deposits into loans and other productive investments. Meanwhile, big banks devote a sizeable share of their resources to speculative trading and other Wall Street bets that may generate big profits for the bank. However, they provide little economic or social value for the rest of us, and they can put the entire financial system at risk if they go bad.

We Play it Safe with Your Money!

Citizens is consistently rated as one of the strongest banks in the country in terms of our capital ratios and the quality of our balance sheet. and others have consistently awarded Citizens with its highest 5-star safety rating.