Citizens Bank was established as a community bank in 1913 when the Rankin Company acted on its belief that the area needed a bank that could be responsive to the financial needs of individuals and businesses. In 1999, the bank merged with Walthall Citizens Bank under the umbrella of the bank's holding company, Citizens Corporation, and began sharing the Citizens Bank name. The bank provides a variety of services to its customers that include personal banking options, such as checking accounts, savings accounts, money markets, savings bonds, certificates of deposit, trust funds and consumer loans; business services, such as commercial checking, business life checking, savings, cash management and commercial loans; and online banking. Citizens Bank is headquartered in Columbia, Miss., with other locations in Tylertown, Magnolia, Sumrall and Seminary.