The Citizens Bank & Trust All Credit Levels is a cdfi lender from Citizens Bank & Trust. Application typically pulls a hard report from Experian. Approval typically requires a credit score of 650-700 or higher. Citizens Bank & Trust is a community bank located in Guntersville, AL, dedicated to providing personalized banking services to individuals and businesses in North Alabama. They focus on local banking solutions and community support since their establishment in 2003. Services include: business loans, personal loans, mortgages. US Treasury certified CDFI Bank/Thrift in Guntersville, AL.