The Citizens Savings Bank and Trust Company is a business credit card from Citizens Savings Bank and Trust Company. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.00% - 25.00% Variable. Approval typically requires a credit score of 650-700 or higher. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by TCM Bank, N.A. (subsidiary of ICBA Payments). Community bank white-label card program. Bureau pull data not publicly verified.