5 Shocking Facts About Citizens Bank Albertville, AL: The $239 Million Community Powerhouse

As of December 26, 2025, Citizens Bank & Trust’s Albertville Branch stands as a major financial anchor in Marshall County, Alabama, distinguishing itself from national chains with a hyper-local focus and cutting-edge products. This community bank, headquartered in nearby Guntersville, has cultivated a reputation for being a "Small Bank. Big Difference," a motto that is backed by substantial local deposits, high-impact community involvement, and a leadership team deeply rooted in Northeast Alabama. The Albertville location is not just a place for transactions; it is a hub for financial empowerment and local business support, with a significant branch deposit base of over $239 million, underscoring its pivotal role in the local economy. The bank's strategy is built on blending the personalized service of a local institution with the advanced financial tools typically found at larger banks, a combination that keeps their offerings fresh and relevant for today’s customers. From high-yield checking accounts to major charitable contributions, Citizens Bank & Trust in Albertville is constantly evolving its services to meet the dynamic needs of its clientele, ensuring that local residents and businesses have direct access to both capital and community support.

The Visionaries: A Look at Citizens Bank & Trust's Leadership Profile

The success and stable growth of Citizens Bank & Trust, including its high-performing Albertville Branch, are directly attributed to a dedicated and experienced leadership team. The board features individuals with deep ties to the local community and significant industry expertise, ensuring the bank’s decisions always align with the best interests of Marshall County and its residents.

Michael W. Alred: Founder and Chairman of the Board

Michael W. Alred, known as Mike Alred, is the foundational figure of Citizens Bank & Trust. His extensive career in finance has guided the bank from its inception to its current status as the largest community bank in Marshall County.

• Role: Founder and Chairman of the Board.
• Tenure: Has served as a director since the bank’s formation in March 2003.
• Experience: Possesses over 50 years of banking experience, providing a wealth of institutional knowledge and stability.
• Additional Roles: Previously held a dual role as a Bank Employee at Citizens Bank and Trust and a Registered Representative for INFINEX INVESTMENTS, INC. from August 2014 to January 2017, showcasing a broad financial background.
• Impact: His vision has shaped the bank's community-focused mission and commitment to providing cutting-edge products.

Taylor Bentley Conner: Automotive Executive and Board Member

Taylor Bentley Conner represents the next generation of leadership, bringing a fresh perspective and significant business acumen from a critical local industry. Her appointment to the Board of Directors reinforces the bank's connection to the local Albertville business community.

• Role: Board of Directors Member.
• Professional Background: Serves as the General Manager and is the first female Dealer Principal of Howard Bentley Buick GMC in Albertville.
• Expertise: Brings a wealth of automotive industry experience, which is vital for understanding commercial lending and consumer finance needs in Northeast Alabama.
• Local Ties: Described as a lifelong supporter of the bank and an experienced local leader, connecting the institution deeply with the community’s commercial sector.

Beyond the Teller: The High-Yield Products and Digital Banking Revolution

The Albertville Branch of Citizens Bank & Trust leverages a strategic partnership with Kasasa, a financial technology provider, to offer innovative and rewarding checking and savings options that compete directly with national banks. These products are a core component of the bank's promise to deliver a "Big Difference" for its customers.

The Power of Kasasa: Checking Accounts That Pay You Back

Citizens Bank & Trust features Kasasa accounts, which are designed to put money back into the customer’s pocket through high yields or cash back rewards, provided they meet simple monthly qualifications. These accounts are a key differentiator for the bank in the competitive Albertville market.

• Kasasa Cash: This high-yield checking account is highly attractive, offering a significant Annual Percentage Yield (APY) on qualifying balances up to a specified limit, such as $15,000.
• Kasasa Cash Back: For those who prefer immediate rewards, the Kasasa Cash Back checking option provides cash back on debit card purchases, making everyday spending more rewarding.
• Kasasa Saver: Often linked with the checking accounts, this option makes saving automatic by sweeping rewards earned into a separate, interest-bearing savings account.

Seamless Digital Banking and Branch Access

In addition to innovative products, the bank ensures its customers have access to modern convenience through robust digital banking services. This includes mobile access, online bill pay, and secure account management, all while maintaining the vital physical presence of the Albertville Branch. The Albertville Branch, located at 324 N Broad St, is known for its friendly associates and full-service offerings, including safe deposit boxes and a secure night drop. The branch’s substantial deposit base of $239,457,000 confirms its status as a highly trusted and utilized financial institution in Marshall County.

For quick banking needs, the general operating hours for the drive-thru are structured for convenience:

• Drive-Thru Hours (Mon - Thurs): 8:30 am - 4:30 pm
• Drive-Thru Hours (Friday): 8:30 am - 5:30 pm

Local Commitment: How Citizens Bank & Trust is Shaping Northeast Alabama's Future

Citizens Bank & Trust is widely recognized as a "community bank" not just in name, but in its active and measurable support of local initiatives. The bank's commitment to Northeast Alabama is demonstrated through major events and dedicated financial education programs, many of which have been highlighted in 2025 press releases.

High-Impact Community and Business Events (2025 Updates)

The bank actively hosts and sponsors events that inject capital and expertise into the local community, fostering economic growth and philanthropy.

• Citizens Charity Classic: The 11th Annual Citizens Charity Classic, held on May 6, 2025, is a prime example of their philanthropic reach. This event successfully donated over $42,000 to Northeast Alabama FCA (Fellowship of Christian Athletes), providing essential funding for youth programs and community engagement.
• Citizens Business Summit: In 2025, the bank welcomed over 200 business leaders, entrepreneurs, and professionals to the Citizens Business Summit. This event is crucial for stimulating local commerce, fostering networking, and providing essential insights for small businesses in Albertville, Guntersville, and Arab.

Empowering the Future Through Financial Education

Recognizing the need for financial literacy, Citizens Bank & Trust offers specialized programs aimed at empowering individuals to build wealth and make informed decisions.

• Money Essentials: This program provides financial education resources to help individuals manage their money effectively. The application deadline for the 2025 program was set for December 1, 2025, ensuring that the bank is continually investing in the financial empowerment of its citizens.
• Employee Involvement: The bank strongly encourages its employees to become involved in their local communities, ensuring that the spirit of local service extends beyond the branch doors and into various civic and charitable organizations across Marshall County.

The Albertville Branch of Citizens Bank & Trust is more than just a financial institution; it is a vital community partner. With a strong, locally-rooted leadership team like Mike Alred and Taylor Bentley Conner, a commitment to modern banking products like the Kasasa suite, and a proven track record of significant community investment, the bank provides a compelling case for why local banking remains essential in the digital age. Its substantial branch deposit and continuous, forward-looking activities—such as the 2025 Business Summit and Charity Classic—solidify its position as a trusted, high-value financial center for Albertville and the broader Northeast Alabama region.

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