Citizens Financial Corp. operates as the bank holding company for Citizens Bank of West Virginia, Inc. that provides banking, trust, and investment products and services to consumers and businesses in north central and eastern West Virginia. The company provides various deposit products, including checking accounts, savings accounts, and certificates of deposit; loan products comprising car/auto, personal, RV and camper, commercial term, commercial line of credit, commercial mortgages, government guaranteed, and home equity; IRAs; debit cards; and safe deposit boxes. It also offers investment products, such as mutual funds, stocks and bonds, government securities, money market funds, unit investment trust, tax-favored investments, tax-deferred fixed and variable annuities, 529 college savings plans, life insurance, retirement planning, estate advantaged investing, asset allocation, portfolio management, self-directed IRA's, small business retirement plans, long-term care insurance, disability insurance, and online brokerage services. In addition, the company offers online banking, mobile banking, mobile deposit, bill pay, telephone banking, and credit card processing services, as well as wire transfers and reorder checks. It operates through branch offices in Parsons, Beverly, Buckhannon, and Snowshoe. The company was founded in 1924 and is headquartered in Elkins, West Virginia.
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