Citizens Financial Services, Inc

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Located in Mansfield, Pa., Citizens Financial Services is the parent company of the First Citizens National Bank. It offers a variety of purchase and refinance services, consolidated debt, home equity and commercial loans. It offers other services, such as legal referrals and checking and business accounts. The business services include share savings, regular checking, money market accounts, and short- and long-term and property loans. It also offers loans, such as vehicles, share security, overdraft, home refinance and equity, mortgage and signature loans. The firm offers loans on fixed and adjustable rates. It provides deposit services, such as savings, checking, certificate and individual retirement accounts and various investment products. Additionally, it offers online banking applications and bill payment services and 24-hour customer care services to its customers. It has various branches in Ulysses, Genesee, Sayre, Wellsboro, Troy, Canton, Gillett, Millerton, LeRaysville, Towanda and Wellsville, N.Y.