About Us

On February 18, 1905, the Kansas State Banking Department issued a charter to The Citizens State Bank of Atlanta, Kansas – thus began the entity which would eventually become Citizens Bank of Kansas.

Herbert H. “Bert” Smith was president of The Citizens State Bank of Atlanta from 1918 after purchasing stock of the new bank from his uncle, charter stockholder, Charles Foust. In 1924, young Ray J. Deterding began working for Smith at the bank; in 1925, he married Inez Smith – the banker’s daughter! Ray became president of the bank shortly thereafter, and continued in that role until his death in 1963. Oren J. “Jim” Pearce – brother-in-law of Inez Deterding – then became president of the bank.

In 1962, after working as a bank examiner for the FDIC for five years, Max Deterding, son of Ray and Inez Deterding, purchased the controlling stock of another rural Kansas bank – Turon State Bank. After his father’s death in 1963, Max purchased the bank stock of his grandfather, Bert Smith, to maintain controlling shares for the family.

Over the years, Max acquired other small banks, including Citizens State Bank of Arlington (which was later sold), the State Bank of Sylvia, and the First National Bank of Kingman in 1979. In 1988, The Citizens State Bank of Atlanta opened a new branch in Winfield, changed its name to Citizens State Bank, and relocated the charter to Winfield. Four years later in 1992, the First National Bank acquired the Kingman Savings & Loan, including its branch in Anthony, from the OTS.

The banks operated as separate entities until 1994, when the law was changed to allow multi-bank holding companies (which enabled one entity to control more than one bank). At the same time banking regulations changed, allowing bank branches beyond the county boundaries. Citizens Bank of Kansas, N.A. (for National Association) was chosen as the name of the new entity. The name was selected in an employee contest to “name the bank.” Marsha Hobbs, was the creative employee in Turon, and was rewarded with a weekend trip to Las Vegas! In 1998, Citizens Bank of Kansas added a new branch in Pretty Prairie by acquiring the former State Bank of Pretty Prairie.

Continuing the tradition of family management, Mark Keeny – husband of Max Deterding’s daughter, Amy – joined the Bank in 1993 after four years as a bank examiner with the Kansas State Banking Department. Mark served as Cashier and Executive Vice President, and became President/CEO in December 2002. Jane Deterding, daughter of Max Deterding, joined the bank in 2001 as General Counsel and Executive Vice President, and assumed management of the new branch in Wichita that opened in June 2001.

The “CBOK Family” – including the long-term customers and employees – was deeply saddened when Chairman of the Board Max Deterding died on February 4, 2004. His wife, Shirley Deterding, succeeds him as Board Chair. Although “Big Max” can never be replaced, his ideas and visions for the future of Citizens Bank of Kansas, N.A. will be sustained by the employees and family members for generations to come.

We're proud of our service to the community and our community bank status. If you would like in-depth financial information on Citizens Bank of Kansas, N.A., including balance sheet, income statement, performance and condition ratios, or demographic information, it can be accessed through the FDIC's Institutional Directory database.

YOUR ABILITY TO WITHDRAW FUNDS AT CITIZENS BANK OF KANSAS, N.A. – Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. Funds from electronic direct deposits will also be available on the day we receive your deposit. Once the funds are available, you can withdraw them in cash and/or we will use them to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit before 3:00 PM on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 3:00 PM or on a day that we are not open, we will consider that the deposit was made on the next business day we are open.

RESERVATION OF RIGHT TO HOLD - In some cases, we will not make all of the funds that you deposit by check available to you on the same business day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $100 of your deposit, however, may be available on the same business day of your deposit. If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the business day after we receive your deposit. If you need the funds from the deposit right away, you should ask us when the funds will be available.

LONGER DELAYS MAY APPLY - We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:

• You deposit checks totaling more than $5,000 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• We believe a check you deposited will not be paid.
• There is an emergency, such as failure of computer or communications equipment.


We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS - If you are a new customer, the following special rules may apply during the first 30 days your account is open:

• Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will be available on the same business day that we receive your deposit, if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 may not be available until the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 may not be available until the second business day after the day of your deposit.
• Funds from deposits of checks drawn on Citizens Bank of Kansas, N.A. will be available on the same business day that we receive your deposit.
• Funds from all other deposits will be available no later than the eleventh business day after the day we receive your deposit.

USA PATRIOT ACT - (in accordance with Section 326) – To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

CUSTOMER IDENTIFICATION POLICY - It will be the policy of Citizens Bank of Kansas, N.A. to determine and verify the identity of all NEW customers. Our procedures will be in compliance with Section 326 of the USA PATRIOT Act and Part 103.121 of the Bank Secrecy Act regulations. Section 326 of the Act requires us to provide adequate notice that the Bank is requesting information to verify their identity. We will comply with the notification requirement of the Act by posting a notice in our lobby and posting the notice on our website.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license of other identifying documents.

Citizens Bank of Kansas, N.A., is committed to providing a fun, educational, and safe web environment where young people can learn about the benefits of sound financial planning. We are dedicated to safeguarding any personal information collected on-line and to helping parents and children maintain their privacy while visiting our site. Because portions of our site are designed specifically for children, we take care that our content is suitable for children. In addition, we take special measures to help children protect their privacy while visiting our site. For example, we do not ask children to disclose more personal information than is necessary for them to participate in, or register for, a bank-sponsored activity. Additionally, we do not offer any venues where children can publicly post personal contact information.

To help ensure a rewarding on-line experience for our visitors – and for the parents of our visitors who are children – we provide you with this summary of our information practices.

As we continue to offer our visitors new and different types of content and services, we may modify our practices from time to time. However, we will treat all personal information we collect in accordance with the privacy notice in effect at the time the information was collected.

I. The Information We Collect

As a standard practice, Citizens Bank of Kansas, N.A., collects no personally identifiable information from children under the age of 13. Nonetheless, we give children under the age of 13 an opportunity to contact Citizens Bank of Kansas, N.A., via the e-mail address CoolCashCat@cboks.com so that they may ask questions regarding financial education, bank sponsored activities for children, and on-going children’s programs such as quarterly newsletter distribution. This e-mail address is monitored by Citizens Bank of Kansas, N.A., employees, and none of the contents of these e-mails will be disclosed to third parties. When receiving an e-mail from a child under the age of 13, Citizens Bank of Kansas, N.A., will take every effort to contact the parent or legal guardian of that child to notify them that contact was initiated by the child.

Citizens Bank of Kansas, N.A., will disclose information we maintain only when required to do so by law, for example, in response to a court order or a subpoena. We also may disclose information in response to a law enforcement agency’s request.

We will not use or transfer personally identifiable information in ways that are materially different from the ones described above without also providing parental notification of such practices and obtaining consent for any materially different uses.

II. Collection of Information by Third-Party Sites and Sponsors

Our site contains links to other sites. Visitors should consult the other sites’ privacy notices, since those sites are not covered by our privacy policy and may follow procedures that are different from those of Citizens Bank of Kansas, N.A.

III. How Parents May Contact Us

If you have any questions, comments, or concerns regarding our privacy policy and/or practices, or if you wish to review any personally identifiable information that we may have collected from your child via any on-line method, have this information deleted, or request that there be no further contact with your child, please contact us at the following address, telephone number, or e-mail address:

Privacy Manager – Citizens Bank of Kansas, N.A.

4820 E. Douglas
Wichita, KS 67208
(316) 684-2265

privacy@cboks.com

Please be sure to include your e-mail address and a telephone number where we may reach you. To protect your child’s privacy and security, we will take reasonable steps to help verify your identity before granting you access to the personal information that we may have collected from your child.