Citizens Bank & Trust Customers
Welcome to the Family!

We're excited to welcome Rogersville and Elkmont customers to Family Savings Credit Union! While the name on the building is changing, you'll still see familiar faces and receive the personal service you know and trust. We're here to help you every step of the way.

November 14, 2026: Your Family Savings accounts become active.
November 16, 2026: Rogersville and Elkmont branches open as Family Savings Credit Union at 8 AM CT.
View Important Dates Read FAQs

Citizens Bank & Trust Welcome

A Message from Our President & CEO
A Personal Welcome
 

At Family Savings Credit Union, we believe banking should be about more than numbers. It's about people, relationships, and being part of a community.

To our new members from Citizens Bank & Trust in Rogersville and Elkmont, we're honored to have the opportunity to serve you. We're looking forward to building lasting relationships while continuing the personal service you've come to expect.

Hear directly from our President and CEO, Danny Varnon, as he personally welcomes you to the Family Savings family.

Danny Varnon President & CEO
Family Savings Credit Union
Welcome to the Family! A personal message from Danny Varnon, President & CEO of Family Savings Credit Union
Citizens Bank & Trust Transition
Important Dates to Know
 

We're here to help make your transition to Family Savings Credit Union as smooth as possible. Keep these important dates in mind as we prepare to welcome you to the Family.

  1. Monday, October 12, 2026

    Family Savings begins mailing Welcome Kits to Citizens Bank & Trust customers.

  2.  October 23–25, 2026

    New Family Savings Credit Union debit cards are mailed to customers. Your new Member ID card will arrive separately in a secure mailing.

  3. Saturday, October 31, 2026

    Last day to process Citizens Bank & Trust online Bill Pay transactions. We recommend saving your current payee information to make setting up Family Savings Bill Pay easier after the transition.

  4. Important Reminder for Transition Weekend

    Please plan ahead for your banking needs. Rogersville and Elkmont branches will close at noon on Friday, November 13, and your Citizens Bank & Trust debit card will stop working at 10 PM CT that evening. We encourage you to withdraw any cash you may need for weekend expenses before these deadlines.

  5. Important Deadline Friday, November 13, 2026

    12:00 PM CT: Rogersville and Elkmont Citizens Bank & Trust branches close.

    10:00 PM CT: Citizens Bank & Trust debit cards stop working.

  6. Accounts Become Active Saturday, November 14, 2026

    Your Citizens Bank & Trust account becomes a Family Savings Credit Union account. You may activate your new Family Savings debit card and enroll in online and mobile banking.

  7. Welcome to the Family! Monday, November 16, 2026

    At 8:00 AM CT, the Rogersville and Elkmont branches officially open as Family Savings Credit Union locations. You'll continue to see the familiar faces you know and trust!

  8. Wednesday, December 16, 2026

    Last day for Citizens Bank & Trust checks to be redirected or accepted. Members should order new Family Savings checks before this date.

    New personal and business checking accounts receive their first box of standard checks free. Deluxe-style checks are excluded.

  9. Friday, January 15, 2027

    Last day for Citizens Bank & Trust ACH debits and direct deposits to be redirected or accepted. Be sure to update your banking information with employers, benefit providers, and companies that process automatic payments before this deadline.

Getting Ready for Your New Account
Your Transition Checklist
 

We're here to help you prepare for the transition to Family Savings Credit Union. Follow these steps to make sure your banking information is updated and you're ready for your new account.

01

Watch for Your New Member ID Card

Your Family Savings Member ID card will arrive in a separate secure mailing, scheduled for October 19–25.

Keep this information in a safe place. You'll need your new account information when enrolling in online and mobile banking or updating payments.

02

Activate Your New Debit Card

Your new Family Savings debit card will be mailed during October 23–25.

Beginning November 14, 2026, you may activate your new card. Your existing Citizens Bank & Trust debit card will stop working at 10 PM CT on November 13.

Available November 14
03

Enroll in Online & Mobile Banking

Beginning November 14, you can enroll in Family Savings online and mobile banking using your new account information.

You will need to create new login credentials. As your previous Citizens Bank & Trust online banking credentials will not transfer. Just visit one of the options below and click "enroll."

Visit Family Savings Online
04

Set Up eStatements & Bill Pay

You will need to enroll in eStatements and set up your Bill Pay preferences again after enrolling in Family Savings online banking.

The last day to process Citizens Bank & Trust online Bill Pay transactions is October 31. Save your existing payee information before that date.

Checking account reminder: Former Citizens personal checking accounts will transition to NGAGE Rewards Checking. Enroll in eStatements to avoid the $3 paper statement fee.

05

Order New Family Savings Checks

Your checks will need to reflect your new Family Savings account and routing numbers.

Order your new checks before December 16, 2026. New personal and business checking accounts will receive their first box of standard checks free. Deluxe-style checks are excluded.

 Deadline: Novermber 30, 2026
06

Save Your Transaction History

Your previous Citizens Bank & Trust transaction history will not transfer into Family Savings online banking.

We recommend downloading or printing your recent transaction history before 10 PM CT on November 12, 2026.

Citizens Bank & Trust eStatements will remain accessible for 90 days after the transition.

07

Update Direct Deposits & Automatic Payments

Once your Family Savings account is active, you'll need to update your banking information with employers, benefit providers, and companies that process recurring payments.

This includes payroll deposits, Social Security benefits, automatic bill payments, and other ACH transactions.

Your new Family Savings Credit Union routing number is: 262287195

You will also need your new Family Savings direct deposit account number (13 digits), which will be provided by mail in a separate mailing labeled "Direct Deposit." Please use this number, along with the Family Savings routing number, when updating your direct deposits and automatic payments.

Citizens Bank & Trust ACH debits and direct deposits will no longer be redirected or accepted after January 15, 2027. Please update your information before this deadline.

Deadline: January 15, 2027

Receive Social Security Benefits?

If you receive Social Security benefits by direct deposit, you'll need to update your banking information with the Social Security Administration.

Visit the official Social Security Administration website for instructions on updating your direct deposit.

*Family Savings employees are unable to change your SSA/SSI benefits check direct deposit, You must contact them directly. 

 Update Social Security Direct Deposit

Questions About Your Transition?

Our Member Services team is here to help you every step of the way. Contact Family Savings Credit Union for assistance with your new account, debit card, checks, or online banking.

Call 256-543-9530 or 888-311-3728.

Citizens Bank & Trust Transition
Frequently Asked Questions
 

We know you may have questions about becoming a Family Savings Credit Union member. Explore the topics below for answers to common questions about your accounts, banking services, and the transition.

Account Transition & Membership

When will Citizens Bank & Trust become Family Savings Credit Union?

The Rogersville and Elkmont branches will officially begin operating as Family Savings Credit Union branches on Monday, November 16, 2026, at 8 AM CT.

Your accounts will transition to Family Savings beginning November 14, 2026.

Will my account number change?

Yes. Your account information will change as part of the transition. You'll receive your new Family Savings Member ID card in a separate secure mailing beginning the week of October 19.

Keep your new Member ID card in a safe place. You'll need your new account information to enroll in online banking and update direct deposits or payments.

Will the routing number change?

Yes. After the transition, the Family Savings Credit Union routing number will be:

Routing Number: 262287195

You will need to update your direct deposits and automatic payments with the new routing and account numbers.

Do I need to open a new account or apply for membership?

No. Your Citizens Bank & Trust account will automatically transition to Family Savings Credit Union. You will also automatically become a Family Savings member.

You do not need to complete a separate membership application for the transition.

Important: Former Citizens personal checking accounts will transition to NGAGE Rewards Checking. You must enroll in eStatements to avoid a $3 statement fee. If no eStatement election is made within 60 days, the account will change to NSPIRE Checking, which may have a $5 monthly fee. Any additional checking accounts will become Secondary Checking accounts.
Will my deposits still be insured?

Yes. Your deposit insurance will transition from FDIC coverage to National Credit Union Administration (NCUA) coverage.

NCUA provides coverage up to $250,000. In addition, Family Savings Credit Union provides up to $750,000 in additional coverage through Excess Share Insurance (ESI), for a total of up to $1,000,000 as described in your welcome booklet.

Coverage is subject to applicable insurance terms and limits.

Is my personal and financial information safe during the transition?

Yes. Family Savings takes your privacy and security seriously. Your personal and financial information is being transferred securely in accordance with data protection guidelines.

Debit Cards, Checks & Payments

What will happen to my debit card?

Your Citizens Bank & Trust debit card will stop working at 10 PM CT on Friday, November 13, 2026.

Your new Family Savings Credit Union debit card will be mailed during October 23–25 and may be activated beginning November 14.

Once your old card is no longer usable, we recommend securely shredding it.

Will I need to order new checks?

Yes. You will need new checks reflecting your Family Savings routing and account numbers.

The last day for Citizens Bank & Trust checks to be redirected or accepted is December 16, 2026.

New Family Savings personal and business checking accounts will receive their first box of standard checks free. Deluxe-style checks are excluded.

Visit a branch or call Member Services at 256-543-9530 for assistance.

Will I need to update direct deposits and automatic payments?

Yes. Once your new Family Savings account becomes active, you will need to update your account and routing numbers with employers, benefit providers, and companies that process recurring payments.

The last day for Citizens Bank & Trust ACH debits and direct deposits to be redirected or accepted is January 15, 2027.

Social Security Benefits: If you receive Social Security benefits by direct deposit, visit the Social Security Administration for instructions on updating your direct deposit information.
What happens to my Citizens Bank & Trust credit card?

Your Citizens Bank & Trust credit card will not transition to Family Savings Credit Union.

You will continue receiving statements and making payments as you have in the past.

For Citizens Bank & Trust credit card inquiries, contact the ServisFirst Customer Hotline: 888-999-3340 or 888-831-4351 .

Online & Mobile Banking

When can I enroll in Family Savings online and mobile banking?

You can begin enrolling on Saturday, November 14, 2026, once your account is active.

Visit FamilySavingsCU.com or download the Family Savings CU mobile app to get started.

Have your new Family Savings account information and your 10-digit Member ID number available when enrolling.

Will my current online banking username and password still work?

No. You will need to create new login credentials when enrolling in Family Savings online and mobile banking beginning November 14.

Will I need to re-enroll in eStatements and Bill Pay?

Yes. You will need to enroll in Family Savings Online Banking and set up your eStatements and Bill Pay preferences again.

October 31 is the last day to process Citizens Bank & Trust online Bill Pay transactions. We recommend saving your existing payee information before that date.

Will my previous transaction history transfer to Family Savings?

No. Your Citizens Bank & Trust transaction history will not transfer to Family Savings online banking.

We recommend downloading or printing your recent transaction history before 10 PM CT on November 12, 2026.

Citizens Bank & Trust customers will continue to have access to eStatements for 90 days after the transition. A final Citizens statement will be mailed the week after the transition, followed by a Family Savings statement after December 1.

Loans, Accounts & Products

Will my loan or mortgage change?

No. Your existing loan terms will remain the same. Changes will primarily involve where payments are sent and how they are processed.

You will receive additional loan details separately. If you have a collateralized loan, such as an auto loan or mortgage, updated insurance provider information will be needed.

What happens to my Certificate of Deposit (CD) or IRA?

Your existing CD or IRA will transfer to Family Savings with its current rate and term intact.

Upon maturity, you will have the option to renew under Family Savings' current rates at that time.

Will any account fees change?

Some fees and account features may differ from those at Citizens Bank & Trust.

Family Savings provides a fee schedule with your Welcome Kit. Our team will be happy to walk you through any differences.

Former Citizens personal checking accounts will transition to NGAGE Rewards Checking, which has specific eStatement requirements.

Will Family Savings offer the same financial products?

Family Savings offers a full range of financial services, including checking, savings, auto loans, mortgages, credit cards, and more.

While some products may differ, our team will help you explore available options that fit your financial needs.

What if I already have accounts with both Family Savings and Citizens Bank & Trust?

You will initially have separate accounts. However, Family Savings can assist you with consolidating your accounts after the transition if you prefer.

Visit a branch or call Member Services at 256-543-9530 or 888-311-3728 .

Branch Operations & Member Services

Will the employees at Rogersville and Elkmont change?

No. You'll continue to see the same familiar faces at your Rogersville and Elkmont branches.

The employees will remain as they are, and you'll continue receiving the personal service you've come to know and trust.

Will branch hours change?

Yes. Beginning November 16, Rogersville and Elkmont will operate on the following Family Savings schedule:

  • Monday, Tuesday, Thursday & Friday: 8 AM–4:30 PM CT
  • Wednesday: 8 AM–Noon CT
  • Saturday & Sunday: Closed
Will the Rogersville and Elkmont ATMs still be available?

Yes. The existing ATMs will remain available and will also offer the Family Savings Live Teller option.

Live Teller Hours:

  • Monday, Tuesday, Thursday & Friday: 7:30 AM–4 PM CT
  • Wednesday: 7:30 AM–Noon CT

Outside Live Teller hours, the machines will operate as ATMs and remain available 24 hours a day.

Can I visit other Family Savings branches?

Yes. Once you become a Family Savings member, you'll have access to all Family Savings locations.

You'll also have access to more than 5,500 CO-OP Shared Branches nationwide and over 30,000 surcharge-free ATMs through the CO-OP network.

Find a Family Savings Location

Visit SharedBranching.org to learn more about participating shared branch locations.

Will my banking services be disrupted during the transition?

Some services will be temporarily affected during transition weekend.

Rogersville and Elkmont branches will close at noon on November 13, 2026, and Citizens Bank & Trust debit cards will stop working at 10 PM CT that evening.

We encourage members to withdraw enough cash for any weekend expenses before these deadlines.

New Family Savings accounts will become active November 14, and both branches will reopen November 16 at 8 AM CT.

About Family Savings Credit Union

What is the difference between a bank and a credit union?

A credit union offers many of the same financial services as a bank, including checking, savings, loans, and more.

The primary difference is that banks are for-profit institutions owned by shareholders, while credit unions are not-for-profit cooperatives owned by their members.

At Family Savings, members have a voice in how their credit union operates, and our focus is on serving members and communities.

Who is Family Savings Credit Union?

Family Savings Credit Union was founded in Gadsden, Alabama, in 1951 by seven Goodyear employees.

Today, Family Savings is a not-for-profit, member-owned financial institution serving communities across North Alabama and North Georgia.

Our mission is simple: Where your money grows with you and your family, and ownership allows all members to prosper.

Why is Family Savings acquiring the Rogersville and Elkmont branches?

Family Savings is expanding to provide residents in Rogersville and Elkmont with access to member-owned, not-for-profit financial services.

We are committed to supporting financial education, investing in our communities, and helping members work toward their financial goals.

Where is Family Savings Credit Union headquartered?

Family Savings Credit Union is headquartered in Gadsden, Alabama.

Main Office:
711 East Meighan Boulevard
Gadsden, AL 35903

Who should I contact if I need help?

Our Member Services team is happy to assist you with questions about your accounts, debit cards, online banking, or the transition.

Member Services:
256-543-9530 or 888-311-3728

You may also visit your local branch for assistance once the transition is complete.

Still Have Questions?

We're here to help make your transition as easy as possible. Contact Family Savings Credit Union Member Services for additional assistance.

Call 256-543-9530 or 888-311-3728.

Same Familiar Faces, New Opportunities
Your Local Branches
 

Beginning November 16, 2026, our Rogersville and Elkmont locations will officially welcome you as Family Savings Credit Union members! You'll continue to see the same friendly faces and receive the personal service you've come to know and trust.

Family Savings Credit Union

Elkmont, Alabama

25530 AL Highway 127
Elkmont, AL 35620

 

Branch Lobby & Drive-Thru Hours

Mon, Tue, Thu & Fri 8 AM–4:30 PM
Wednesday 8 AM–Noon
Saturday & Sunday Closed

All hours Central Time.

Get Directions to Elkmont
Family Savings Credit Union

Rogersville, Alabama

1565 Lee Street
Rogersville, AL 35652

 

Branch Lobby & Drive-Thru Hours

Mon, Tue, Thu & Fri 8 AM–4:30 PM
Wednesday 8 AM–Noon
Saturday & Sunday Closed

All hours Central Time.

Get Directions to Rogersville

SayHi Live Teller & ATM Access

Both Rogersville and Elkmont locations will offer our convenient Live Teller service. Connect with a Family Savings team member through the machine during Live Teller hours, or use the ATM anytime for eligible ATM transactions.

Monday, Tuesday, Thursday & Friday 7:30 AM–4:00 PM CT
Wednesday 7:30 AM–12:00 PM CT

ATM Access: Available 24 hours a day, seven days a week. Outside Live Teller hours, the machines operate as ATMs only.

We're Here to Help!

Have questions about your new account, debit card, or banking services? Our Member Services team is happy to assist you.

256-543-9530  |  888-311-3728

Toll-free Member Services: Select Option 2.

Explore All Family Savings Locations

Welcome to the Family!
 

We're honored to serve our new members in Rogersville and Elkmont and look forward to being part of your financial journey. Thank you for trusting Family Savings Credit Union. We're excited for this next chapter together!