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As we step into 2026, we want to take a moment to thank you, our customers.  It goes without saying that if it were not for you, our valued customers, we would not be here.  This year promises new opportunities and innovations, and we are committed to ensuring that your experience remains secure, reliable, and exceptional. Your confidence in our services drives us to keep raising the bar every single day.

One of the growing challenges in today’s digital landscape is Artificial Intelligence, or A.I.  Not only can AI be used to help expedite tasks that can improve our everyday lives, but it can also be used by fraudsters to manipulate almost anything, including your voice and facial features.  The digital platform that we all use is a prime target for fraud. 

One thing to be aware of is the rise of phishing phone calls. These fraudulent calls often attempt to trick individuals into sharing sensitive information such as passwords, account numbers, or personal details. Cybercriminals are becoming increasingly sophisticated, and it’s important to stay vigilant. Remember: we will never ask for confidential information over the phone, and any suspicious call should be treated with caution.

To help protect yourself, always verify the caller’s identity before sharing any information. If something feels off, hang up and contact us directly through our official channels. Additionally, consider enabling multi-factor authentication and monitoring your accounts regularly for unusual activity. Your security is our top priority, and together we can prevent these threats from impacting your peace of mind.

Tips to Spot Phishing Calls

• Unexpected urgency: Be cautious if the caller pressures you to act immediately or threatens consequences.
• Requests for sensitive information: Legitimate companies will never ask for passwords, PINs, or full account numbers over the phone.
• Unfamiliar numbers or caller ID spoofing: Don’t trust caller ID alone; scammers often disguise their numbers.
• Poor grammar or unusual language: Professional organizations maintain clear and consistent communication.
• Verify before acting: If in doubt, hang up and call the official number listed on our website.

Stay Protected:
Report a Suspicious Call

We have been made aware of an active smishing (SMS phishing) attack in which fraudsters are sending text messages that appear to come from our official phone number. These messages are not from our bank.

Your security is our top priority, and we want to ensure you have the information you need to stay protected.

What You Need to Know

• These text messages did not originate from our bank, even if the sender ID or phone number looks familiar.
• The messages may attempt to:

o Create a false sense of urgency

o Ask you to click a link

o Request personal information, login credentials, or account numbers

We will never ask you to verify sensitive information, click on unexpected links, or provide personal details through text message.

What To Do if You Receive One of These Texts

• Do not click any links.
• Do not reply to the message.
• Do not share any personal or account information.
• Delete the message after reporting it to us.

If you have already clicked a link or provided information, please contact us immediately at our official phone number listed on our website.

How to Verify a Legitimate Message from Us

The safest way to confirm whether a message is valid is to:

1. Visit our official website directly (do not use links in a text).
2. Log in securely through our mobile app.
3. Call our customer support team using the number printed on your bank card or statement.

We’re Here to Help

Your trust and security are extremely important to us. If you have any concerns or need assistance, please contact our support team right away.

Thank you for helping us maintain a safe and secure banking environment.

The Citizens Bank Charter reads like a museum piece.  November 10, 1900, all written in calligraphy, displayed proudly on the wall for all to see.  Over the past 125 years, community banking has evolved from humble beginnings into a dynamic force in modern finance, without losing sight of its local roots. In the early 1900s, community banks were often the only financial institutions in small towns, built on trust, personal relationships, and a deep understanding of their customers’ lives. They offered essential services: savings, loans, and credit, often based on a handshake and a neighborly promise.

As the financial industry expanded and regulations grew more complex, community banks adapted. They weathered the Great Depression, post-war booms, and the rise of national banking giants by staying focused on what mattered most: their communities.

The digital age brought new challenges and opportunities. Community banks embraced online banking, mobile apps, and fintech partnerships, enabling them to offer the same conveniences as larger institutions while maintaining their hallmark personalized service. Today, community banks, like The Citizens Bank of Swainsboro, are tech-enabled but still deeply embedded in the economic fabric of their regions.

With October being Cybersecurity Awareness Month, things are a lot different now than they were in 1900.  The most common threats in 1900 were:

1. Physical Security – Banks relied on vaults, guards, and mechanical safes to protect cash and valuables.  Robbery was a significant threat, especially in rural areas where law enforcement resources were limited.
2. Lack of Deposit Insurance – Before the creation of the FDIC in 1933, there was no federal protection for deposits.  If the bank failed, customers lost their money.  This made trust and reputation critical.

With technological advances occurring daily, more crimes are committed electronically. Here are some tips for staying safe during the upcoming holiday season and the upcoming year.

  Use Strong, Unique Passwords
Avoid using the same password across multiple sites. Combine letters, numbers, and symbols for added strength

  Enable Multi-Factor Authentication (MFA)
Add an extra layer of protection by requiring a second form of verification, like a text code or app notification.

  Keep Software Updated
Regularly update your device’s operating system, browser, and banking apps to patch security vulnerabilities.

  Avoid Public Wi-Fi for Banking
Use secure, private networks when accessing financial accounts. Public Wi-Fi can expose your data to hackers.

  Monitor Accounts Regularly
Check your bank statements and transaction history often to spot unauthorized activity early.

 Support Local, Shop Smart

While online shopping offers convenience, don’t forget the value of supporting local businesses. Shopping locally keeps money in your community, supports jobs, and often provides a more personalized experience. Many small businesses now offer online ordering and curbside pickup, blending convenience with community support.

The Citizens Bank of Swainsboro would like to take this opportunity to say “Thank You” to our customers.  You are the reason The Citizens Bank of Swainsboro can celebrate 125 years of being your community bank.

Since 1900, we’ve stood the Test of Time.  Safe, Sound, Secure.

Here’s to another 125 years!

Lastly, from our Banking family to yours, may your holiday season be filled with joy, laughter, and wonderful memories.

Happy Thanksgiving, Merry Christmas, and Happy New Year from The Citizens Bank of Swainsboro, Citizens Bank of Laurens County & Bulloch First!

💳 The Pros and Cons of Using a Digital Wallet

In an increasingly cashless world, digital wallets are becoming a go-to solution for managing money. Whether you’re tapping your phone at a checkout counter or sending money to a friend with a few taps, digital wallets offer a blend of convenience and innovation. But are they right for everyone? Let’s explore the benefits and drawbacks of using a digital wallet.

✅ Benefits of Using a Digital Wallet

1. Convenience

Digital wallets allow you to store multiple payment methods—credit cards, debit cards, loyalty cards, and even transit passes—in one place. No more fumbling through your wallet or purse.

2. Speed

Transactions are typically faster than traditional card swipes or cash payments. Just tap your phone or scan a QR code, and you’re done.

3. Security

Many digital wallets use encryption, tokenization, and biometric authentication (like fingerprint or facial recognition) to protect your data. If your phone is lost or stolen, it’s often more secure than losing a physical wallet.

4. Contactless Payments

Especially post-pandemic, contactless payments have become a preferred method for hygiene and safety. Digital wallets support this seamlessly.

5. Expense Tracking

Some digital wallets offer built-in budgeting tools or integrate with financial apps, helping you track spending and manage finances more effectively.

⚠️ Drawbacks of Using a Digital Wallet

1. Device Dependency

If your phone dies or malfunctions, you could be left without access to your funds—unless you carry a backup payment method.

2. Limited Acceptance

While digital wallets are widely accepted in many urban areas and large retailers, some smaller businesses or rural locations may not support them.

3. Privacy Concerns

Digital wallets collect data on your spending habits. While this can be useful for budgeting, it also raises concerns about how your data is used or shared.

4. Learning Curve

For those not tech-savvy, setting up and using a digital wallet can be confusing or intimidating.

5. Compatibility Issues

Not all digital wallets work with all banks, cards, or devices. You might find that your preferred wallet doesn’t support your financial institution.

🧾 Final Thoughts

Digital wallets are a powerful tool for modern financial management, offering speed, security, and convenience. However, they’re not without their limitations. Whether you’re a tech enthusiast or a cautious adopter, understanding both the benefits and drawbacks can help you decide if a digital wallet fits your lifestyle.

Swainsboro, Georgia – June 2025: BauerFinancial, Inc., the Nation’s Premier Bank Rating Firm, is pleased to acknowledge Citizens Bank of Swainsboro, Swainsboro, GA, for its continued 5-Star status. June 2025 marks the 52nd consecutive quarter that Citizens Bank of Swainsboro has earned this distinction, which gives it the added prestige of being a “Exceptional Performance Bank”. Only banks that have earned and maintained this highest 5-Star rating for 10 years (40 consecutive quarters), or longer, may claim this distinction. This latest rating is based on March 31, 2025 financial data and signifies that Citizens Bank of Swainsboro continues to be one of the strongest banks in the nation.

“Community bankers are typically the best positioned to understand and quantify local markets and needs,” asserts Karen L. Dorway, president of BauerFinancial. “This includes real estate market values and fluctuations, small business needs (and impediments), and even how consumers are faring personally in their corner of the country. This makes perfect sense,” Dorway continues. “Community bankers live in your neighborhood, which means they can provide faster, personalized service. They also serve a smaller, more defined market area than bigger banks. No need for red tape, just results – from one neighbor to another.”

Citizens Bank of Swainsboro has been taking pride in its contribution to the local betterment since its inception in 1900. Citizens Bank of Swainsboro is not just a bank; it is where you can find your neighbors

Read More Here

Kory Tokar has joined the Citizens Bank of Laurens County team as Vice President – Commercial/Consumer Lending.

A native of McRae/Telfair County, Tokar is a 1995 graduate of Telfair County High School, a 1999 graduate of Abraham Baldwin Agricultural College and a 2002 graduate of Georgia Southern University, He is also a 2009 graduate of the Georgia Bankers Association Banking School at University of Georgia and a graduate of the 2019 Dublin Laurens Leadership program.

Kory’s lending experience has been in all areas, including consumer/retail, mortgage, both residential and commercial construction, Timber, Agricultural, and small business and commercial.  He has over 20 years of banking experience.

“We are very fortunate to find a banker with Kory’s diverse lending background, years of experience, plus a knowledge of the local community,” said Jeff Cannon, Market President. “We are excited to have him come on board and look forward to his becoming a valued member of our team.  Even though he began his banking career in Telfair County, he has been in the Dublin Laurens County Market for several years”

Tokar is married to the former Allison Gibbons of Statesboro, who is the guidance counselor at East Laurens High School.  They have two children, Averi, 17, who is a senior at West Laurens High School and Gianna, who is in the 8^th grade.  The Tokars attend Liberty Church.

Outside of spending time with his family, he enjoys traveling with family, watching football, working in his yard, woodworking and lifting weights. “I am looking forward to getting back into playing more golf after a 17-year (first child was born) hiatus,” Tokar said.  “I love being a community banker because it allows for relationship building and we can still make a meaningful difference to our customers and community.”