Citizens State Bank in Western Colorado is partnering with Payman AI to bring agentic banking to its seven branch locations.
The AI agents will work alongside branch staff to handle internal operations, assist with teller workflows, and build toward a future where AI agents can initiate and complete financial transactions autonomously within bank-defined guardrails. The branches that will use the AI agents are located in the Colorado communities of Ouray, Ridgway, Silverton, Naturita, Telluride, Mountain Village, and Montrose.
“Our customers are at the heart of everything we do at Citizens State Bank. By thoughtfully leveraging AI, we’re improving efficiency and access to information so our team can spend more time focused on the financial needs and decisions that matter most to the people and businesses we serve. Our partnership with PayMan AI allows us to work alongside experienced professionals who are guiding us through responsible AI adoption, ensuring technology strengthens—rather than distracts from—the customer experience,” Alexander Price, president & CEO, Citizens State Bank, said.
The AI agents are already supporting a range of banking operations, but the scope will expand as the partnership matures to include teller workflow support, reducing manual steps and freeing staff for higher-value customer interactions; loan collection automation; assistance for account servicing, spending analysis, and intelligent report generation.
“This is what agentic banking looks like in practice. It starts with freeing your best people from operational busywork. But the real shift is that these AI agents become operational teammates, handling teller workflows today and moving money autonomously tomorrow, all within the bank’s own guardrails. Citizens State Bank isn’t just adopting AI. They’re building toward a future where agents work alongside bankers end to end. That’s the difference between a chatbot and agentic banking,” Tyllen Bicakcic, co-founder and CEO, Payman AI, said.