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Citizens Tri-County Bank Review

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Citizens Tri-County Bank Savings
0.95% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Started in 1972, Citizens Tri-County Bank has $826 million in assets as well as deposits totaling $734 million, classifying the institution as a medium-size bank. Citizens Tri-County Bank, whose headquarters are in Dunlap, Tennessee, lacks premium access to customer service, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. Overall, Citizens Tri-County Bank is a solid pick to be your bank, with a rating of 4.3 out of 5 stars from the SmartAsset team. Citizens Tri-County Bank has a complete suite of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. It has a fair savings rate; other popular banks have higher rates. The bank's standard checking account carries a $5.00 monthly fee, although banks sometimes have requirements that allow you to waive the fee. Locating a bank with no-fee checking and a high savings APY is the best bet for getting the highest income on your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Citizens Tri-County Bank has a savings rate of 0.95%, which is fair as compared against the national average. Its one-year and five-year term lengths CDs earn at a rate of 1.66% and 2.79%, respectively, while its highest-yielding money market account has a rate of 1.01%. Given Citizens Tri-County Bank's below average savings rate, you should think about choosing another bank to earn more on your deposits.

How Citizens Tri-County Bank's Savings Rates Compare

Citizens Tri-County Bank Savings 0.95 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Citizens Tri-County Bank has typically average fees as compared against the national average. Citizens Tri-County Bank's checking account has a monthly fee of $5.00, making it fair for anyone looking for a simple account. Additionally, Citizens Tri-County Bank has an overdraft fee of $24.00, which is noticeably lower than the average overdraft fee charged by U.S. banks. Citizens Tri-County Bank does not refund out-of-network ATM fees, meaning you will have to search for a Citizens Tri-County Bank ATM or eat the cost of withdrawal.

Monthly Fee $5.00 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $24.00 National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Citizens Tri-County Bank is a brick-and-mortar bank, with 26 total branches in Tennessee. With mobile and web apps, Citizens Tri-County Bank makes mobile banking straightforward, even on the go. Citizens Tri-County Bank gets average reviews from users for its mobile platform. Out of 61 customer reviews across both Apple and Android platforms, the Citizens Tri-County Bank mobile app is scored at 3.7 out of 5 (compared to the national average of 3.8). You can access Citizens Tri-County Bank's app to manage your accounts by looking at monthly statements, sending and receiving funds and accessing support representatives. Citizens Tri-County Bank gets a superb consumer satisfaction rating due to comparatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 3.7/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Citizens Tri-County Bank is a medium-size bank with $826 million in assets as well as $734 million in deposits. Citizens Tri-County Bank's Texas Ratio is 12.62%, indicating that Citizens Tri-County Bank is in fine financial well-being and improbable to fail. Additionally, Citizens Tri-County Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Citizens Tri-County Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.95% APY $1
Checking Account 0.75% APY $500
Certificates of Deposit
  • 12 Month: 1.66% APY
  • 24 Month: 2.02% APY
  • 36 Month: 2.27% APY
  • 48 Month: 2.53% APY
  • 60 Month: 2.79% APY
$500 for all terms
Money Market Account 1.01% APY $2500

Citizens Tri-County Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Citizens Tri-County Bank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Citizens Tri-County Bank's CD rates are fair compared to other U.S. banks.

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Find a Citizens Tri-County Bank Near Me

Citizens Tri-County Bank has 26 locations across the U.S.

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