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Citizens Federal Savings & Loan

 Welcome to Citizens Federal!   




     Carol Sue Thompson                                  Emily Krieger                                 Niki Ropp


Carol Sue Thompson has been promoted to Vice President of Operations.

Emily Krieger has been promoted to Vice President of Administration.

Niki Ropp has been promoted to Assistant Secretary.




  We are on Facebook & Twitter! 

Join us on Facebook, like our page and follow us on

Twitter @CitizensFedSL



Discover the advantages of the MoneyPass ATM network ! 

Citizens Federal Savings & Loan Association offers you surcharge-free ATM access nationwide through the MoneyPass Network. We are proud to offer you access to over 25,000 surcharge-free ATMs where you live, work and travel – and we like helping you save a few dollars when you visit these ATMs. You may already be familiar with the online ATM locator at www.moneypass.com or have downloaded the free ATM locator app to your phone. But did you know about the new MoneyPass Facebook page? The MoneyPass page posts helpful information about the network, as well as updates when new ATMs are added. Money and time saving tips are also posted to help you save even more!

  Take full advantage of the savings MoneyPass brings by using MoneyPass ATMs anytime you aren’t near the Citizens Federal Savings & Loan ATM. 

Do you have a lost or stolen ATM or debit card?  Call 1-800-528-2273 for assistance,

or email opptracking@cmcone.com

 "Electronic mail is not secure, and confidential or personal information should not be communicated in this manner"

 Citizens Federal has been providing friendly and personal service to individuals and businesses for over 130 years. We take pride in our community and service to our customers. 


 Check out our Online Banking!

   To enroll or logon to Online Banking, click the Online Banking link.

Online Banking.  Our online banking product offers our customers the convenience of:

Monitoring your account(s) activity

Transfer between Citizens Federal accounts

Free Bill Pay

Account Alerts (set up by the customer)

e-statements (you must be signed up for e-statements to view)

The ability to view your check images

Import your information to your financial software

Safe and secure program

If you have questions about our Online Banking, contact us at (937) 593-0015.


  Use the Citizens Federal Voice Banking for accurate 24-hour account information

Dial 1-800-436-5177 using a touch-tone telephone and follow the easy steps for entering your User Id and Pin Code. You will be able to obtain:

 Transfer between Savings & Checking

Account Balance

Account History (Limited)

Pay Mortgage & Home Equity Payments

Savings to checking may transfer 5 times free in a calendar quarter, ex: Jan-March. Each transfer after 5 is 50 cents each.

Checking to savings may transfer 5 times free in a month. Each transfer after 5 is 50 cents each.

Also, check out our 24 Hr. ATM located at our Drive-Thru.  

 click the Star icon for the ATM locator  



Please take a moment to read our Privacy Statement | USA Patriot Act | Employee Rights under the National Labor Relations Act, and the Internet Security and Fraud Alerts.

 Do you have questions about FDIC Deposit Insurance?  Check out the FDIC Electronic Deposit Insurance Estimator (EDIE) at https://www.fdic.gov/edie. This site supplies very beneficial information, along with a tutorial about FDIC Insurance.

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"Electronic mail is not secure, and confidential or personal information should not be communicated in this manner"

























































































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