Lobby Hours:
Mon - Thurs 9:00am - 4:00pm
Fri 9:00am - 5:00pm

Drive-thru Hours:
Mon - Thurs 8:30am - 4:00pm
Fri 8:30am - 5:00pm

Welcome to the Merchants & Citizens Bank.

Located in McRae, Telfair County, Georgia, The Merchants & Citizens Bank has been the "hometown" bank of choice since 1929! We are proud of that record. We are also proud to be a part of the "Crossroads Community". As such, we are privileged to offer our customers that small bank experience while ever expanding their banking needs. From that personal service our customers have grown to expect in a locally owned and operated community bank, to banking experiences in step with the 21st century with internet banking, we continue to provide our customers the best services possible - Home Grown, Home Tested and with Proven Results - just plain no frills banking!

(229) 868-5656
6 College Street
McRae, Georgia 31055