Citizens Bank is a full-service bank that serves the communities of Michigan, Wisconsin and Ohio. Founded in 1871, Citizens Bank is a part of Citizens Republic Bancorp, which is a diversified financial services company that provides a wide range of commercial, consumer, mortgage banking, trust and financial planning services to a broad client base. Citizens Bank provides personal and business checking accounts, savings accounts, mortgage services, online and telephone banking, credit cards and other value-added banking services. It offers individuals and institutions a variety of investment management, trust and fiduciary, private banking and institutional asset management services. The bank also deals in various investment products and services, such as mutual funds, annuities, stocks, savings bonds and insurance. It operates through more than 160 branches. Headquartered in Flint, Mich., Citizens Bank has one of its locations in Grayling, Mich.