Citizens Bank is a community bank with a location in Bay City, Mich. The bank s personal banking division offers Free n Easy, Advantage and Bonus checking accounts. It also provides Statement, Accelerated and Money Market savings accounts. The bank offers personal, home equity and student loans. It provides Business Free and Business Advanced checking accounts. The bank offers various business savings accounts, including Business Statement and Investment Rate. It additionally provides treasury and wealth management services. The bank offers equipment term, commercial mortgage, and construction and business administration loans. Citizens Bank is a member of the Federal Deposit Insurance Corporation.