Looking for a better business bank? Holdings offers free checking + AI bookkeeping for small businesses. Get started free →

Citizens Bk & Tr CO

Atwood, Tennessee

Routing Number

084303189

Bank Details

Institution Name: Citizens Bk & Tr CO
Routing Number (ABA/RTN): 084303189
Status: Active — Receives ACH Transfers

Address

1359 WEST MAIN ST

Atwood, TN 38220

📞 (731) 662-7171

Use This For

✓ ACH Direct Deposit
✓ ACH Payments & Bill Pay
✓ Tax Refund Direct Deposit
⚠ Wire Transfers (verify with bank)

Looking for a business bank account with no monthly fees?

Holdings is free business checking — open in about 10 minutes.

Open free account →

Get it done now — free tools from a real finance platform

Built by Holdings \u2014 the banking + accounting platform that keeps businesses and nonprofits audit-ready. Free forever, no account needed. Connect banking and let your books run themselves when you\u2019re ready.

Invoice Generator

Send a professional invoice in 2 minutes — free PDF, no signup.

Quote Generator

Build a quote that wins the job. Free PDF, no watermarks.

Expense Tracker

Track business expenses and categorize for tax time.

Profit Margin Calculator

Know your real margin before you price a job.

See all free tools \u2192

Ready to stop doing it by hand? Explore Invoicing software for small business, Small business accounting software, or Small business bookkeeping software.

Where to Find This Routing Number

Routing number 084303189 appears at the bottom-left of checks issued by Citizens Bk & Tr CO.

Check No. 1001

084303189

← Routing Number

0001234567

Account Number

1001

Check #

Frequently Asked Questions

What is the routing number for Citizens Bk & Tr CO?

The routing number for Citizens Bk & Tr CO in Atwood, Tennessee is 084303189. This ABA routing number can be used for ACH transfers, direct deposits, and wire transfers. Always verify with your bank before initiating a transfer.

Is routing number 084303189 valid?

Yes, routing number 084303189 is an active, valid ABA routing number for Citizens Bk & Tr CO located in Atwood, Tennessee. This information is sourced from the Federal Reserve's E-Payments Routing Directory.

Can I use 084303189 for wire transfers?

Routing number 084303189 is registered for Citizens Bk & Tr CO in the Federal Reserve's ACH directory. While many banks use the same routing number for both ACH and wire transfers, some large banks have separate wire routing numbers. Contact Citizens Bk & Tr CO directly to confirm.

Where is Citizens Bk & Tr CO located?

Citizens Bk & Tr CO (routing number 084303189) is located at 1359 WEST MAIN ST, Atwood, TN 38220. You can reach them at (731) 662-7171.

What is routing number 084303189 used for?

Routing number 084303189 identifies Citizens Bk & Tr CO for electronic transactions including: ACH direct deposits (payroll, tax refunds, government benefits), ACH payments (bill pay, recurring transfers), wire transfers (domestic bank-to-bank), and check processing.

You found your routing number. Now find your books.

Holdings connects to Citizens Bk & Tr CO (or any bank) and auto-categorizes every transaction into real books — plus invoicing and donation tracking, all in one dashboard. No spreadsheets. No QuickBooks subscription tax. From $19/mo.

Start free

Related Routing Numbers

First Tennessee Bank Natl Assn

First Tennessee Bank Natl Assn

Memphis, Tennessee

053102191

First Tennessee Bank Natl Assn

Memphis, Tennessee

053103637

First Tennessee Bank Natl Assn

Memphis, Tennessee

053110374

First Tennessee Bank Natl Assn

First Tennessee Bank Natl Assn

First Tennessee Bank Natl Assn

Memphis, Tennessee

053112042

First Tennessee Bank Natl Assn

Memphis, Tennessee

053112055

First Tennessee Bank Natl Assn

Memphis, Tennessee

053112068

First Tennessee Bank Natl Assn

Memphis, Tennessee

053112097

First Tennessee Bank Natl Assn

Memphis, Tennessee

053112136

First Tennessee Bank Natl Assn

Memphis, Tennessee

053112217

First Tennessee Bank Natl Assn

Setting up a payment? Get the books done too.

If you're looking up Citizens Bk & Tr CO's routing number, you're moving money — invoicing a client or paying a vendor. With Holdings, the bank is the books: get paid and it's already recorded, no separate accounting tool, no month-end reconciliation.

Your bank