Whether you need a loan for business expansion, or a small auto loan, we have loans to meet your needs. Talk to any of our knowledgeable loan officers today! Thank you for banking with us! We're a Member of FDIC & an Equal Housing Lender

Products & Services

Select a Product below:

Citizens Remote Deposit

Citizens Remote Deposit enables you to deposit checks at your convenience, from the comfort of your office.  This new service enables you to improve cash flow and accelerate collection of funds, while reducing float and return item risk.  Citizens Remote Deposit is ideal for businesses that meet any one of the following criteria:

  • Businesses not located near one of our branches
  • Businesses with multiple locations
  • Businesses with limited cash deposits
  • Businesses that handle a high volume of checks

Check out the "What's New?" tab for further details on the Citizens Remote Deposit product!

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Safe Deposit Boxes

We have safe deposit boxes available at our 156 Geneva Drive, Oviedo office only and are available in assorted sizes listed below with affordable rental. Protect your important documents and valuables and store them in a safe place.

Size: Annual Rental:
3 x 5 $40.00
5 x 5 $55.00
3 x 10 $60.00
5 x 10 $85.00
10 x 10 $110.00

A 10% discount* is offered on all boxes set up as an automatic debit from a Citizens Bank of Florida deposit account.
There is a late fee of $10.00 per month.
Contents of safe deposit boxes are NOT FDIC insured.


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Telephone Banking- Citizens On Call

Telephone Banking is an automated service that is available to all Citizens Bank of Florida customers at no cost. Citizens On-Call can be reached by dialing 407-366-1684. This service enables you to obtain balances and certain information on your account 24 hours a day.

With Citizens On-Call, you can gather information on the following:

  • Checking, Savings or Money Market accounts
  • CD's, or IRA's
  • Branch Locations
  • Report a lost or stolen Debit/ATM card

You may also conduct the following:

  • Make a loan payment
  • Transfer funds from one account to another
  • Change your Personal Identification Number (PIN)
  • Activate your newly issued ATM Debit Card     

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Debit Cards/ Citizens Check Cards

  • No annual or monthly fee
  • No retail transaction fee for retail purchases
  • There is a small fee for ATM withdrawals unless you use a Citizens Bank of Florida ATM.
  • Use your card everywhere Visa debit cards are welcome

Please contact any of our Financial Sales Representatives at any of our locations for more information.

Credit Cards

Visa & Mastercard Credit cards available*
*Minimum 6 month deposit relationship required for approval.

Please contact any of our Financial Sales Representatives at any of our locations for more information.

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Merchant Credit Card Processing

  • All major credit cards accepted
  • Next business day availability of funds
  • Competitive processing fees
  • PLUS check verification service available

Please contact any of our Financial Sales Representatives at any of our locations for more information.

ACH Origination

This Cash Management Service is available through Internet Banking for qualified businesses who wish to originate ACH credit or debit  items. Please talk to a Sales Officer or Loan Officer for more details about this service.

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Coin Counter

Coin Counting Machine Service is only available at our 156 Geneva Drive, Oviedo location.

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