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Viola


Your Local Banking Partner in Viola

In the heart of Wisconsin’s Driftless Region, Viola is a small yet vibrant town where community spirit shines. Known for its annual Horse and Colt Show, Viola attracts visitors and locals alike for the festivities, and the town’s picturesque scenery offers perfect backdrops for biking, hiking, and canoeing along the beautiful Kickapoo River. Citizens First Bank is proud to serve Viola, providing dedicated banking services that support the unique financial needs of this close-knit community.

Our Services in Viola: Personalized for You

Our Viola branch is committed to serving every resident with personalized financial solutions tailored to fit your goals, whether you’re opening a first account, looking to buy a home, or starting a local business. Citizens First Bank provides a full suite of banking services with a team that values the community as much as you do.

Personal Banking

Our personal banking services make managing your finances simple, giving you access to flexible accounts and financial tools designed to support every stage of life:

  • Checking Accounts – With convenient online and mobile banking options, our checking accounts make it easy to stay on top of your finances, whether you’re at home or on the go.
  • Savings Accounts – From traditional savings to high-yield options, our savings accounts help you grow your funds for emergencies, travel, education, or future goals.
  • Certificates of Deposit
  • Debit Cards – Enjoy the convenience and security of Citizens First Bank’s debit card for everyday purchases, with fraud protection and customizable alerts for your peace of mind.
  • Credit cards

Loans & Mortgages

Financing is a critical part of achieving life’s big moments, and our Viola team is here to help make those dreams a reality. Whether you’re purchasing a home, upgrading your vehicle, or planning for unexpected expenses, our competitive loan offerings have you covered:

  • Mortgage Loans – With flexible terms and competitive rates, our mortgage experts guide you through every step of the home-buying process, ensuring you get the right mortgage for your needs.
  • Auto Loans – Get on the road faster with affordable auto loans for new and used vehicles, offering terms to fit any budget.
  • Personal Loans – Life’s surprises can come at any time, and our personal loans help cover everything from home repairs to medical expenses with flexibility and ease.

Agricultural Loans at Citizens First Bank

At Citizens First Bank, we understand the vital role agriculture plays in our community. That’s why we’re committed to supporting farmers and agricultural businesses with tailored financing solutions designed to meet your unique needs. Whether you’re looking to expand your operations, upgrade equipment, or manage seasonal cash flow, our agricultural loans offer competitive rates and flexible terms to help your farm thrive.

Our Agricultural Loan Options:

  • Operating Loans: Cover everyday expenses like feed, seed, fertilizer, and labor to keep your farm running smoothly.
  • Equipment Loans: Upgrade or replace essential machinery and equipment with affordable financing options.
  • Livestock Loans: Invest in livestock purchases, breeding programs, or feed and care needs.
  • Real Estate Loans: Expand your acreage or purchase farmland with flexible terms and local expertise.
  • Lines of Credit: Maintain financial flexibility with a revolving line of credit for short-term needs or unexpected expenses.

Our experienced lending team takes the time to understand your goals and challenges, providing personalized guidance every step of the way. Whether you’re a seasoned farmer or just starting out, Citizens First Bank is here to help you grow.d farmer or just starting out, Citizens First Bank is here to help you grow.

Business Banking

Citizens First Bank is proud to support Viola’s local businesses with specialized banking solutions designed to foster growth. From startup financing to managing daily expenses, our business banking services help local entrepreneurs thrive:

  • Business Checking and Savings Accounts – Manage your business’s finances easily, with digital banking tools and accounts tailored to fit your company’s cash flow needs.
  • Commercial Loans – Whether you’re launching a new venture or expanding an existing one, our commercial lending options are structured to support your unique business goals.
  • Lines of Credit – Our lines of credit provide the flexibility you need to manage cash flow and cover short-term expenses, helping your business stay adaptable and ready for growth.

Your Viola Branch Staff

Tom Weston, Executive Vice President/ Senior Loan Officer
Tom Weston has been a cornerstone of Citizens First Bank since 1987, serving as Executive Vice President and Senior Loan Officer. With decades of experience in mortgage lending, Tom is known for his deep expertise, steady leadership, and unwavering commitment to helping individuals and families secure the right financing solutions.


Contact Tom at: tweston@citizensfirstbank.net

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Zac Hall, Ag Loan Officer
Zac Hall has been serving farmers and agribusiness owners at Citizens First Bank since 2016. A Graduate School of Banking alum from UW–Madison, he brings both financial expertise and a deep understanding of rural communities to every loan he helps customize.
Whether you’re financing equipment, expanding operations, or planning for succession, Zac offers competitive rates, flexible terms, and a commitment to long-term partnership.


Contact Zac at: zhall@citizensfirstbank.net

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Karya Eitland, Mortgage Loan Officer
With over 20 years in banking, Karya Eitland brings clarity, compassion, and expertise to her role as Mortgage Lender at Citizens First Bank’s Viroqua branch. Since 2003, she’s helped customers navigate home financing with confidence—whether buying, refinancing, or planning for what’s next.


Contact Karya at:
keitland@citizensfirstbank.net

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Nick Kirking, Commercial Loan Officer
As a Commercial Loan Officer, Nick Kirking helps local businesses turn financial goals into reality. Born and raised in Viroqua, he understands the pulse of the community and what drives its economy. Whether you’re launching a new venture, upgrading facilities, or navigating seasonal cash flow, Nick delivers tailored solutions, responsive service, and a commitment to your long-term success.

Contact Nick at:
nkirking@citizensfirstbank.net

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Our local team brings deep knowledge of the community and is dedicated to providing the highest level of service. Our team members understand the unique financial needs of Viola residents, making us your trusted banking partner right here in town.

Reach Out to Your Team

For personalized service or questions about our banking options, please call (608) 627-1491.

Visit Our Viola Location

Stop by our Viola branch to experience the best of community banking. Our convenient location and accessible hours make managing your finances straightforward, with a staff that’s always ready to help.

Address:

Citizens First Bank – Viola
102 W. Commercial St.
Viola, WI 54664

Contact Information:

(608) 627-1491

Operating Hours:

Lobby

Monday–Friday:
8:30 am–12:30 pm & 1:30 pm–4 pm

Walk-Up

Monday–Friday:
12:30 pm–1:30 pm

Drive-up

Monday–Friday:
8:30 am–4 pm

FAQs for Viola Customers

We understand that banking needs can vary in our close-knit community. Below are answers to some of the common questions we receive from Viola customers:

Citizens First Bank offers accounts to match your financial goals. Our Traditional Checking has no fees, Premium and Platinum Checking earn interest with ATM fee reimbursements, and Money Market offers tiered interest rates with easy access. Visit us to find your best fit.

Our checking accounts offer complete control with online and mobile banking. You can check balances, deposit checks, pay bills, toggle your debit card on or off and set up security alerts. Visit our Viola branch or call (608) 627-1491 for details.

Citizens First Bank: Your Community Partner in Viola

At Citizens First Bank, we believe that community banking is about more than just transactions; it’s about building relationships that last. We’re honored to serve the residents of Viola since 1969, supporting both personal and business financial goals with local expertise and a deep understanding of our community.

Explore what makes Viola unique with Citizens First Bank by your side. Visit us during business hours, call to speak with a member of our team, for assistance. We look forward to welcoming you to Citizens First Bank in Viola and helping you achieve all of your financial aspirations.