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Beyond the Basics

At Citizens Bank, our Benefits Checking Account offers you more than just a place to manage your money. Enjoy added perks like roadside assistance, cell phone protection, and exclusive discounts on travel, shopping, and entertainment. We’re here to enhance your banking experience with benefits that go beyond the basics.

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#WeAreYourCitizensBank

We prioritize our customers, employees, and communities. Our goal is to create a positive workplace where employees are engaged, able to reach their full potential and find purpose through community involvement. This is what we mean by #weareyourcitizensbank! Follow us on social media and join us in celebrating our commitment to the community!

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Your Business is Our Business

At Citizens Bank, we take pride in offering the financial tools and guidance you need to manage your business effectively.

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Building Legacy Together

Our commercial loans are designed to support your business growth and success. Whether you’re expanding your operations, investing in new equipment, or pursuing other business ventures, we are your dedicated financial partner. Together, we can create a lasting legacy.

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Keep it Simple.

Our Simply Free Checking account is perfect for beginners or anyone seeking a straightforward and hassle-free banking experience. Enjoy the simplicity of managing your finances with no monthly fees and no minimum balance requirements. It's easy, convenient, and designed to fit your lifestyle.

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Find a Location Near Me

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Mission Statement

Our Mission at Citizens Bank

Supporting Local Communities

When you bank with us, you’re investing in the businesses and people of our local community. Your deposits stay local, fueling growth and development right here at home. As an in-state bank, we’re deeply connected to the lives of our neighbors, with offices and staff residing in rural Kentucky counties. Financing decisions are made by us, your neighbors—not by an office three states away.

Modern Convenience with a Personal Touch

At Citizens Bank, we combine the latest banking technology with personalized service. Manage your accounts anytime, anywhere with our mobile banking app or online banking website. Pay bills, transfer funds, and more with just a tap. When you visit our branches, you’ll be welcomed by our friendly, professional staff, ready to assist you.

A Legacy of Customer Service

Founded in 1904, Citizens Bank has grown alongside our community. By 1910, we were among the top financial institutions in Southeastern Kentucky. Our commitment to customer service was embodied by Mr. R.C. Anderson, who became president in 1958 and placed his desk in the lobby to serve our customers better. Under his leadership, the bank thrived.

Citizens Bank remains strong and dedicated to serving each customer and the communities we call home, with five branches across Southcentral Kentucky.