Citizens Savings and Trust Company was a bank in Cleveland, Ohio founded as the Citizens Savings and Loan Association. J.H. Wade established the bank and served as its chair. Hubbell & Benes, a Cleveland architectural firm that did many projects for he and his family, built the Citizens Building for the bank in 1903.[1] The bank was merged into Union Trust in December 1920 and Joseph Randolph Nutt became president.[2]