Citizens Bank and Trust Company S Main St, Blackstone

I hate leaving negative ratings, but someone up the chain has to care and if not, they deserve the rating. I have no complaints about the staff as they are very friendly, but I do agree with the poster above. Their systems are antiquated and don't apply common sense to banking. I put money into a "free checking" account and simply continued to make deposits. I didn't have activity on the account for a couple of months so I got charged an "inactive fee". I have never heard of a fee for not using my own money, but there is truly no such thing as free. When my online access was cut off and my information purged from the system because they weren't sure if I was "still around", I called to close the account. Guess what? They didn't even ask why. If they are not interested in keeping access to the funds of a good account who never touches his money, what are they interested in? I'll give you a clue...it's not banking.

Our branch in Amelia are always friendly and very helpful. It's a pleasure doing business there.

Friendly people who will work to meet your needs, and you will work with the same people for years, unlike other big banks who churn through employees like Starbucks churns through baristas. However, CB&T's technology is 10 to 20 years behind every other bank. For example, if you have a loan with CB&T and want to make your monthly payment online using a different bank's checking account (a Wells Fargo, Bank of America, or whatever checking account), their systems cannot process the payment - not over the phone talking to a person, not on the 24-hour system, not online. That becomes very frustrating being forced to mail in a payment every month - they quickly stand out as outdated.