Citizens Bancorp of Virginia, Inc. is a one-bank holding company, which operates through its subsidiary, Citizens Bank and Trust Company (the Bank). The Bank conducts the general business of a commercial bank. The Bank’s primary trade areas are in the Virginia counties of Nottoway, Amelia, Prince Edward, Brunswick, Buckingham, Charlotte, Chesterfield, Cumberland, Dinwiddie, Lunenburg, Mecklenburg, Powhatan, Goochland and the cities of Colonial Heights, Richmond and Petersburg. The Bank offers traditional lending and deposit products to businesses and individuals. It offers personal checking and savings, certificates of deposit, individual retirement accounts, credit cards, business checking and savings, merchant services, and business credit cards. Its other services include Coin Counting, eStatements, Notary Services, Safe Deposit Boxes, CardSuite Lite, 24-Hour Automated Telephone Banking and Mobile Debit Card Alerts.