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Support: 800-634-6203 8-5, M-F

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Quick Decisions on Small Businesss Lines of Credit up to $250,000


Get A Loan. Pick A Gift.

Loans & Free Gifts -- Apply Now!

   What's important to you is important to us. We're making loans to help you make
things possible for your business, for your farm, and for you personally.

And, we're giving FREE GIFTS with a new business loan, agricultural loan, personal
loan, business loan, home equity line of credit, commercial real estate and mortgage or refinance.

You’ll get an opportunity to choose a special gift from a long list of name brand house
wares, electronics, computers and more. Visit your local Citizens Bank & Trust office
before this offer expires to get a loan and pick a gift.

View Gift Catalog

*Minimum qualifying residential mortgage or mortgage refi nance to receive a gift is $20,000. Gifts for
loans and advances on lines of credit will be awarded after closing. Applications for these loans or
lines of credit must be fi led on or before February 28, 2013 to be eligible. All loans and lines of credit
are subject to credit approval. Gifts for HELOCs and business lines of credit are based on the amount
of the initial advance and must be drawn for a minimum of 60 days. In the event an advance/draw for
which a gift (or gifts) was received is repaid prior to 60 days, the account holder may be assessed an amount equal to the value of the gift(s) received.  **The IRS considers the cash value of the gift(s) you receive for loans or lines of credit in the columns marked by a double asterisk (**) as taxable income. Citizens Bank & Trust is required to report the value of these gifts on Form 1099-MISC as miscellaneous income in the year the loan/line of credit was closed. Gifts will be shipped directly from the manufacturer to you. Please allow 4-6 weeks after loan/line closing for delivery. Should an item be discontinued or not be available for other reasons, we reserve the right to substitute gifts of equal or greater value. This offer may be altered or discontinued at any time without prior notice. All gifts are warranted solely by the manufacturer. Gift offer ends on February 28, 2013. 

Let’s talk! Contact your regular branch or call 800-634-6203