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Best for: Local banking with personal service, FDIC-insured deposits
Citizens Savings Bank in Clarks Summit, PA
Citizens Savings Bank Clarks Summit, PA — FDIC-insured community bank offering personal and business checking, savings, mortgages, auto loans, and credi...
Data compiled from public sources · Rating from CreditDoc methodology
Citizens Savings Bank Review
Citizens Savings Bank is a traditional FDIC-insured financial institution that provides comprehensive retail and commercial banking services. The bank is powered by First Branch and emphasizes community banking, featuring personalized mortgage expertise and local branch relationships highlighted in customer testimonials.
The bank's service portfolio includes personal checking accounts (Kasasa Cash Back, Kasasa Tunes, Advantage), savings products (regular savings, money market accounts, CDs, IRAs), and business banking solutions. On the lending side, Citizens Savings offers mortgages (fixed and adjustable rate), home equity loans and lines of credit (advertising 4.99% intro rates), auto loans, personal term loans, and both personal and business credit cards. Digital services include online banking, mobile banking, mobile wallet integration, mobile deposit, bill pay, Zelle transfers, and telephone banking.
Citizens Savings Bank differentiates itself through emphasis on community involvement and personal service, particularly highlighting mortgage expertise and named loan officers. They advertise competitive rates (home equity at 5.49%-5.90% APR depending on term) and position themselves as solving customer financial problems. The bank maintains accessibility standards through AudioEye optimization and offers free eStatements and paperless banking options.
As a traditional community bank, Citizens Savings serves standard consumer and small business banking needs but does not specialize in credit repair, debt relief, or alternative lending products. Prospective customers should verify current rates and product availability at their specific branch location, as advertised rates are subject to credit approval.
Services & Features
Auto loans
Business checking and savings accounts
Construction loans and lot loans
Fixed and adjustable rate mortgages
Home equity loans and lines of credit
Mobile banking, mobile wallet, and mobile deposit
Online bill pay and eStatements
Personal and business credit cards
Personal checking accounts (Kasasa Cash Back, Kasasa Checking, Kasasa Tunes, Advantage)
Personal savings accounts (regular savings, money market, CDs, IRAs)
Personal term loans
Zelle money transfers and telephone banking
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- FDIC-insured deposits backed by full faith and credit of U.S. Government
- Multiple checking account options including Kasasa Cash Back with rewards
- Competitive home equity rates advertised at 4.99% intro APR for 5-year fixed period
- Comprehensive mortgage services with named mortgage experts and prequalification
- 24/7 digital banking including mobile wallet, mobile deposit, and Zelle transfers
- Free eStatements and online banking enrollment
- Tax-advantaged retirement accounts (IRAs) and business banking services
- Accessibility features including AudioEye toolbar for screen reader users
Cons
- Limited geographic presence as a community bank (specific locations not detailed on main site)
- Advertised rates are subject to credit approval and may not be available to all customers
- No indication of specialized lending products for those with poor credit or non-traditional profiles
- Standard banking fees and overdraft policies not detailed in available website content
- Mobile-first consumers may find traditional community bank infrastructure less developed than digital-native alternatives
Rating Breakdown
Value 5.0
Effectiveness 3.5
Customer Service 3.8
Transparency 4.2
Ease of Use 4.5
Mortgage Lending Transparency
Citizens Savings Bank processed 526 mortgage applications in 2023, approving 91.3% of applicants across 3 states.
526
Applications
91.3%
Approval Rate
$141K
Avg Loan
3
States Served
Approval Rate by Applicant Income
Under $50K 82.7%
$50K–$100K 85.7%
$100K–$200K 95.5%
Over $200K 100%
Based on 526 applications. Income in thousands (reported by applicant).
Top Lending States
Louisiana 303 apps · 87.8%
Pennsylvania 203 apps · 86.2%
Mississippi 20 apps · 90%
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Frequently Asked Questions
Is Citizens Savings Bank legitimate?
Yes. Citizens Savings Bank is a registered company, headquartered in Clarks Summit, PA, founded in 1902.
How long does Citizens Savings Bank take to show results?
Account opening typically takes 1-3 business days. Loan decisions vary by product.
Quick Facts
- Founded
- 1902
- Headquarters
- Clarks Summit, PA
- BBB Accredited
- No
- Certifications
- FDIC Insured FDIC Cert #31184
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Citizens Savings Bank
Citizens Savings Bank is best for consumers seeking traditional FDIC-insured banking with personalized service, particularly for mortgage and home equity borrowing. The main caveat is that as a community bank, their service area appears geographically limited and they do not serve customers needing credit repair, debt relief, or alternative lending products.
CFPB Transparency Report
Public data from the Consumer Financial Protection Bureau
- Issues Resolved
- 100%
- Timely Responses
- 100%
Source: consumerfinance.gov | Last checked 2026-04-29
Best For
- Homebuyers seeking personalized mortgage guidance and relationship-based lending decisions
- Small business owners needing comprehensive commercial banking with local branch support
- Consumers prioritizing FDIC insurance, community involvement, and traditional banking relationships
- Home equity borrowers looking for competitive fixed-rate introductory offers
Updated 2026-05-08
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Is Citizens Savings Bank Right for You?
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