Error Resolution


Telephone us at 580-332-6100 or write us at

P.O. Box 1468, Ada OK 74820

If you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt, we must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

1) Tell us your name and account number

2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why             you believe there is an error or why you need more information

3) Tell us the dollar amount of the suspected error. 

If you call us, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days for new accounts or point-of-sale or foreign initiated transfers) to investigate your complaint or question IF we decide to do this, we will credit your account within 10 business days (20 business days for new accounts) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. IF we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after first deposit is made. if you are a new customer.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

 You may ask for copies of the documents that we used in our investigation.

 It is your responsibility to examine the statement and contents carefully. If you believe the statement contains any errors, forgeries, unauthorized withdrawals. alterations, or some other discrepancy or irregularity exists, you agree to notify us in writing within a reasonable amount of time (not to exceed 60 days) after the date you received the statement. If you fail to give us such notice, the statement is deemed correct and binding on you, and we will be released of all liability to you.

 Computer System Requirements:

  • Adobe Acrobat Reader is needed to view your Statements. This free software program is available for download at: www.adobe.comjproductsjacrobatjreadstep.html. Follow steps one through three on the screen. Select save from the pop up menu (we recommend to your hard drive). Double click on the file and select next in the series of pop-up boxes. Then select refresh/reload on your browser.
  • Computer System: 128 bit encryption with Internet
  • Explorer version 5.50 and higher required

Updating Email Address

For Internet advantage customers it is your responsibility to keep your email address current to receive these notifications in a timely manner. Please note, if your email address becomes invalid, you will NOT be notified of your statement availability, if you chose paperless statements.

To change/update your email address or information on your account, call our customer service department at 580-332-6100.

Electronic Deposit Insurance Estimator (EDIE)

All bank depositors who have questions about their insurance coverage can go to www.fdic.gov/deposit/deposits/index.html
and use their Electronic Deposit Insurance Estimator (EDIE) or
call their toll-free number at 1-877-ASK-FDIC.



123 W 12TH ST

ADA, OK 74820


Federal Law requires you receive certain disclosures and information about the products, services, or accounts you may receive or access in connection with your relationship with us (“Required Information”). With your consent we can deliver Required Information to you by a.) Displaying or delivering the Required Information electronically; and b.) requesting that you print or download the Required Information and retain it for your records.

This notice contains important information before you consent to electronic delivery of Required Information. Your consent also permits the general use of electronic records and electronic signatures in connection with the Required Information.

Prior Consent

Prior to obtaining your consent to receive records electronically, Citizens Bank of Ada must provide you with a clear and conspicuous statement informing you:

  • Of any right or option to have the records (communications/disclosures/documents) provided or made available on paper or in a non-electronic form, and the right to withdrawal consent, including any conditions, consequences, and fees in the event of such withdrawal. You do have an option to receive records (communications/disclosures/documents) by paper or in a non-electronic form. You may withdrawal consent to receive records (communications/disclosures/documents) electronically as described below.

  • Whether the consent applies only to the particular transaction that triggered the disclosure or to identify categories of records that may be provided during the course of the parties’ relationship. The consent applies to all documents and all communications provided from Citizens Bank of Ada to you relating to your deposit account.

  • Describing the procedures you (the consumer) must use to withdraw consent to receive electronic records. To withdrawal your consent to receive records (communications/disclosures/documents) electronically you must contact your customer service representative at Citizens Bank of Ada 123 W 12th St Ada, OK 74820 or by calling us at (580)332-6100. We will not impose any fee to process the withdrawal of your consent to receive records electronically.

  •  Describing the procedures you (the consumer) must use to update your contact information to receive electronic records. It is your responsibility to provide us with a valid e-mail address, contact and other information related to you deposit account and to maintain and update promptly any changes in this information. At our discretion, we may treat a previously invalid email address as a withdrawal of your consent to receive records electronically. You can update your information by visiting your customer service representative at Citizens Bank of Ada 123 W 12th St Ada, OK 74820

  • Outline the hardware and software requirements for accessing and retaining records.

    • A sufficient electronic storage capacity on your computer’s hard drive or other data storage unit.

    • An e-mail account with an internet service provider and e-mail software in order to participate in our electronic communications with Citizens Bank of Ada.

    • A personal computer, operating system and telecommunications connection to the Internet capable of receiving, accessing, displaying, and either storing communications received from us in electronic form via a plain text formatted e-mail r by access to our web site using one of the browsers specified below.

      • Browser

      • Google Chrome™ (versions 46.0 and above)

      • Microsoft® Internet Explorer® (versions 11.0 and above)

      • Mozilla® Firefox® (versions 41.0 and above)

      • Safari® (versions 9 )

        Destktop Operating System 

      • Windows 7, Windows .1

      • Mac OS X

        Mobile Operating System

      • iOS 8.x, 9.x

      • Android 4.x, 5.x

      • Windows 8.1 for tablet

      • Windows 8.1 for phone

  • Informing the consumer how the consumer(you) may request a paper copy of a record and whether any fee will be charged for that paper copy. You can obtain a paper copy of an electronic record by printing it yourself or you may also contact us by phone at (580)332-6100 or visit your customer service representative at your nearest Citizens Bank of Ada location. When requesting a paper copy by phone or in person no fee will be assessed. 

  • Consumer must be able to confirm consent in a manner that reasonably demonstrates their ability to receive or access the information electronically. It is your responsibility to carefully read and understand the disclosure prior to consent. You the consumer, must read and agree to the E-SIGN disclosure by checking the box that says: I have read and understand/accept the E-SIGN Disclosure and Consent. I consent to the use of electronic records in connections with my deposit or loan account application.