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Coronavirus

As concerns remain and grow, The Citizens Bank continues to monitor developments regarding Coronavirus (COVID-19). We have a pandemic plan in place and are currently taking steps to avoid potential disruption to our customers. We are implementing steps to safeguard the health and safety of our teams, customers, and communities while ensuring the delivery of important financial services such as money and credit availability. We are reviewing information from the Centers for Disease Control & Prevention (CDC) and South Carolina Department of Health and Environmental Control (SC DHEC) daily.

  1. All branch lobby's are open. We ask that employees and customers wear mask and practice social distancing. 
  2. All locations are enhancing cleaning and sanitary practices to help mitigate the potential spread of the virus.
  3. Continue to check back for additional updates or follow us on Twitter, LinkedIn or Facebook.


We have multiple ways to access your money without even walking into a branch:

  • NetTeller - Online Banking Portal: you can view balances, transfer between accounts, make payments, access BillPay, manage your debit card (report stolen card), etc.
  • TCB 2Go – Mobile App: you can view balances, transfer between accounts, make payments, access BillPay, manage your debit card (report stolen card) and remotely deposit checks.
  • iTalk – Phone Banking: 888-960-BANK - You can receive your balance, history, transfer funds, make payments, manage your debit card, stop payments, etc.
  • Text Banking: you can receive text with history and balance.
  • ATMs: You can use our ATM network, many with deposit taking capabilities.
  • For Guides or additional help, please visit: https://www.thecitizensbank.cc/resources/how-to-guides

 

IRA Update:

The CARES Act makes significant changes to IRA regulations. These changes deserve strong consideration as you review your financial planning.

For individuals who normally would need to start taking their Required Minimum Distributions (RMDs) in 2020, this requirement has been waived. This means that if you turned 70 ½ in 2019 and postponed your first RMD until 2020 with the intention of taking it before April 1, 2020, your 2019 RMD is waived. It is important to note that there are exceptions to this rollover opportunity.

If you took an IRA distribution according to RMD rules at the beginning of 2020, you could redeposit or roll the distribution funds back into the same or different IRA within 60 days. It is important to understand that your 60- day window starts on the date the distribution is made, not when you receive it, and weekends and holidays are included.

Everyone’s individual financial situation looks a little different and certain changes may impact your tax returns, so please consult with your tax professional regarding your specific situation.

IRS Guidance on Waiver of 2020 Required Minimum Distributions

Avoid COVID-19 Scams (from FTC.GOV):

Here are some tips to help you keep the scammers at bay:

  • Don’t click on links from sources you don’t know. They could download viruses onto your computer or device.
  • Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying that have information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO).
  • Ignore online offers for vaccinations. There currently are no vaccines, pills, potions, lotions, lozenges or other prescription or over-the-counter products available to treat or cure Coronavirus disease 2019 (COVID-19) — online or in stores.
  • Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it.