Business Details
Your Trusted Partner for Comprehensive Banking Solutions
Citizens Financial Service is a community-focused financial institution dedicated to enhancing the financial wellness of the communities we serve. With a heritage built on trust and personalized service, we act as partners to individuals, families, and businesses, offering tailored solutions that align with their unique goals. Our team of experienced professionals prioritizes proactive service, combining local expertise with comprehensive banking products including personal and business accounts, lending services, mortgage solutions, and private wealth management.We maintain a commitment to innovation, ensuring clients have access to modern tools like mobile banking and digital financial planning resources while preserving the human connection that defines our approach. Backed by FDIC insurance and a philosophy of putting clients first, we strive to build intergenerational relationships through transparency, accountability, and a relentless focus on helping our customers prosper.
Services
Personal Checking
Savings Accounts
Mortgage Loans
Wealth Management
Online Banking
Business Accounts
Credit Cards
Retirement Planning
Highlights and features
- We are FDIC-insured, ensuring security for your deposits.
- Local bankers provide personalized guidance tailored to your needs.
- 24/7 access to online and mobile banking services.
- Financial wellness programs to help manage and grow your money.
- Community-focused approach with over $2.35 billion in local contributions.
Associations and certifications
- FDIC
Services
Personal Banking
First Merchants offers checking, savings, and money market accounts with competitive rates, debit cards, and overdraft protection. Our personal banking services prioritize financial wellness through tools like Zelle for quick transfers and mobile apps for convenient money management. Clients benefit from local bankers who provide tailored advice to help achieve individual financial goals.
Wealth Management
Our Private Wealth Advisors deliver customized financial planning, investment management, and estate planning solutions. Services include portfolio management, retirement plan administration, and trust services designed to preserve and grow wealth across generations. Clients work directly with experienced advisors who coordinate with tax and legal professionals for comprehensive strategies.
Business Banking
First Merchants provides business checking, savings, and lending solutions including term loans, lines of credit, and SBA financing. Additional services like treasury management, merchant processing, and remote deposit capture help businesses streamline financial operations. Local bankers collaborate with business owners to develop growth-focused strategies aligned with company objectives.
Mortgage Loans
We offer a range of mortgage products for first-time buyers, refinancing, and construction projects. Our mortgage team assists clients in securing competitive rates for home purchases or equity loans. Services include personalized guidance through the application process and flexible terms to match individual homeownership goals.
Online & Mobile Banking
24/7 digital access includes account management, bill payment, mobile check deposit, and real-time transaction monitoring. The mobile app features card controls, budgeting tools, and secure messaging with bankers. These services enable clients to manage finances conveniently while maintaining FDIC-insured security.
People
Mark Hardwick
CEO
Mark Hardwick leads Citizens Financial Service with a focus on community impact and customer-centric banking. He has driven growth through strategic acquisitions and expanded services while maintaining the bank's commitment to local communities.
David Brechbuhl
Managing Director, Wealth Management
David Brechbuhl oversees wealth management strategies, delivering comprehensive financial planning and investment solutions. With extensive industry experience, he ensures clients receive tailored advice aligned with long-term financial goals.
Marcos Nogus
Chief Investment Officer
Marcos Nogus directs investment strategies and portfolio management for First Merchants. His expertise in financial markets ensures clients benefit from data-driven investment approaches and risk management practices.
Nancy Leming
Director, Private Banking
Nancy Leming leads private banking initiatives, focusing on personalized lending and wealth preservation solutions. She collaborates with high-net-worth clients to develop strategies that integrate banking and investment objectives.
Kevin Besore
Portfolio Manager
Kevin Besore manages investment portfolios, providing clients with diversified strategies tailored to their risk tolerance and financial goals. His analytical approach ensures alignment with market trends and individual client needs.
Questions
What online banking services does First Merchants offer?
First Merchants provides 24/7 online banking with bill pay, mobile deposit, account management, and financial tools like calculators and budgeting resources.
How do I open a personal bank account?
Open an account online from home by selecting your account type and completing the secure enrollment process through our website.
What loan options are available for small businesses?
We offer term loans, lines of credit, SBA lending, and commercial real estate financing tailored to small business needs.
Does First Merchants provide wealth management services?
Yes, our Private Wealth Advisors offer investment management, estate planning, retirement solutions, and fiduciary administration services.
Are there community support initiatives?
We contribute $2.35 billion to local causes, volunteer over 17,000 hours annually, and provide financial education programs to enhance community wellness.
