If you received a New MasterCard Debit Card, be advised that it will not go into effect until 4-3-17. Please continue to use your existing Visa Debit Card until that date - Thank you!

When it comes to loans, Citizens Community Bank can help you realize your dreams.

All loan requests are responded to quickly and efficiently because we are home owned and operated. If you have questions about your financial situation or interested in applying for a loan, come in and talk with one of our experienced loan personnel or call (931) 967-3342 for an appointment. We'll help you find the financial solutions that's right for you.


Some of the loan services available are:

  • First and Second Mortgage Home Loans

  • Home Equity Loans

  • Home Improvement Loans

  • Home Equity Lines of Credit

  • Farm Loans

  • Small Business Administration Loans

  • Commercial Loans

  • Auto Loans

  • Construction Loans

  • Personal Loans

  • Conventional Home Mortgages

  • VA/FHA Loans




24 Hour Phone Banking

To Access Our 24-Hour Automated Telephone Banking System Call

(931) 967-3771




Need to Order Checks?

We have many new options now available!

Whether you're ordering new checks or re-ordering, call or come by and let our staff show you the exciting new options available for checking at Citizens Community Bank! 

Click Here to Re-Order Checks

24 Hour Teller

Need to make a transaction after normal business hours?

Try our 24 Hour Automated Teller Machine for convenient easy banking right from your car any time of the day or night.

Receive a debit card with a Regular Checking Account!

Business Hours

Main Office
Monday - Thursday: 8:30 a.m.-3:30 p.m.
Friday: 8:30 a.m.-5:00 p.m.

Drive-Through Window
Monday - Friday: 8:30 a.m.-6:00 p.m.
Saturday: 8:30 a.m.-Noon

Decherd Drive-Through Branch
Monday - Friday: 8:30 a.m.-6:00 p.m.
Saturday: 8:30 a.m.-Noon

Huntland Branch
Monday - Thursday: 8:30 a.m.-4:00 p.m.
Friday: 8:30 a.m.-5:00 p.m.
Saturday: 8:30 a.m.-Noon (Drive-Thru only)

Contact Us

Citizens Community Bank
1418 Dinah Shore Blvd.
Winchester, TN 37398

Phone 931-967-3342
email Contact Us
web Driving Directions

FAX: 931-967-4761
Huntland FAX: 931-469-0097


Lost Debit card?

To Report a Lost or Stolen Debit Card Call


© 2017 Citizens Community Bank
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