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City Bank & Trust Co. in Lincoln, NE
FDIC-insured community bank serving Nebraska since 1910 with six locations offering personal and business checking, savings, lending, and mobile banking services.
Data compiled from public sources · Rating from CreditDoc methodology
City Bank & Trust Co. Review
City Bank & Trust Co. is a Nebraska-based community bank that has operated since 1910, making it over 110 years old. The bank is headquartered in Lincoln with additional locations in Crete, Seward, and an East Branch that was recently opened.
S. Government, providing account protection up to standard FDIC limits. The bank offers comprehensive banking services for both personal and business customers.
On the personal side, they provide checking and savings accounts, money market accounts, CDs, IRAs, and Health Savings Accounts. Lending products include auto loans, personal loans, mortgage lending (home loans, construction loans, bridge loans, and home equity loans). Their digital services include online banking, bill pay, eStatements, mobile banking with mobile deposit capabilities, and integration with Zelle for peer-to-peer transfers.
Business customers can access business checking, business savings, business money market accounts, merchant services, ACH and payroll services, positive pay/check reconciliation, and merchant card processing. City Bank & Trust Co. distinguishes itself through its deep agricultural lending expertise, offering agriculture real estate loans, operating lines of credit, equipment loans, and livestock loans—services tailored to Nebraska's farming community.
The bank has invested in modernizing its digital experience with a redesigned website optimized for mobile devices and a native mobile app available on both iOS and Android. They offer additional services like safe deposit boxes, overdraft protection, QuickBooks integration, and fraud protection tools. Their customer service is accessible via phone at (402) 826-2144, with multiple physical locations for in-person banking.
As a regional community bank, City Bank & Trust Co. is best suited for customers who value local relationships and personalized service, particularly those in Nebraska with agricultural or small business needs. However, customers seeking cutting-edge fintech features or extensive branch networks outside Nebraska should consider larger institutions.
The bank's strength lies in traditional banking fundamentals and community commitment rather than innovative digital-first banking.
Services & Features
ACH and payroll services
Agricultural lending including livestock loans, farm equipment loans, and operating lines of credit
Auto loans and personal loans
Business checking, savings, and money market accounts
Commercial real estate loans and SBA loans
IRAs and Health Savings Accounts
Merchant services and merchant card processing
Mobile banking with mobile deposit and Zelle transfers
Money market accounts and CDs
Mortgage lending including home loans, construction loans, and home equity loans
Online banking, bill pay, and eStatements
Personal checking and savings accounts
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- FDIC-insured deposits with full federal backing, protecting accounts up to standard limits
- Specialized agricultural lending products including livestock loans and farm equipment financing
- Modern mobile app available on iOS and Android with mobile deposit capability
- Six physical locations across Nebraska (Lincoln, Crete, Seward, and East Branch) for local service
- Comprehensive business services including merchant processing, ACH, payroll, and remote deposit capture
- Over 110 years of continuous operation and community presence in Nebraska since 1910
- Zelle integration for peer-to-peer money transfers included with accounts
Cons
- Limited geographic footprint with only six locations, all in Nebraska—not suitable for multi-state customers
- No mention of competitive rates or rate guarantees on their website, requiring customers to call for pricing
- Website content indicates recent login system changes and technical updates, suggesting potential ongoing infrastructure transitions
- No evidence of premium accounts, wealth management services, or investment products beyond basic CDs and IRAs
- Limited transparency on fees, minimum balance requirements, and account terms on the public website
Rating Breakdown
Value 5.0
Effectiveness 3.7
Customer Service 3.8
Transparency 4.0
Ease of Use 4.5
Frequently Asked Questions
Is City Bank & Trust Co. legitimate?
Yes. City Bank & Trust Co. is a registered company, headquartered in Lincoln, NE, founded in 1910.
How long does City Bank & Trust Co. take to show results?
Account opening typically takes 1-3 business days. Loan decisions vary by product.
Quick Facts
- Founded
- 1910
- Headquarters
- Lincoln, NE
- BBB Accredited
- No
- Certifications
- FDIC Insured FDIC Cert #5396
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on City Bank & Trust Co.
City Bank & Trust Co. is best for Nebraska-based individuals and businesses seeking personalized community banking with strong agricultural lending expertise and local decision-making. The main caveat is limited geographic reach outside Nebraska and lack of transparency on rates and fees on their public website, requiring direct customer contact for specific pricing information.
Best For
- Nebraska agricultural businesses and farmers requiring specialized farm lending and equipment financing
- Small to medium-sized Nebraska businesses needing merchant services, payroll processing, and local banking relationships
- Nebraska residents preferring community banking over national chains and valuing local decision-making
- Customers seeking traditional full-service banking with mobile and online capabilities in the Lincoln/Crete/Seward area
Updated 2026-04-29
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