About Us

A subsidiary of Farmers Capital Bank Corporation, Citizens Bank of Northern Kentucky first opened its doors in October 1993. We presently have seven convenient locations throughout Campbell, Kenton and Boone counties (Newport, Bellevue, Highland Heights, Alexandria, Ft. Thomas, Florence, and Crestview Hills Town Center), which offer a complete range of financial services and investment opportunities.

The mission of Citizens Bank is to provide excellent banking service in a friendly, hometown fashion. As a result, our customer base continues to grow. Citizens Bank is a place where the customer comes first. We stay SMALL enough to care and LARGE enough to make a difference.

Our services and products are convenient, time saving and highly secure. Citizens Bank’s ATMs are located at all branch locations, are available at selected Walgreen's stores, and our customers can use the ATMs of our sister banks located throughout Kentucky. These provide access to cash 24 hours a day, seven days a week. We offer our customers convenient access to their accounts through Online and Mobile Banking or by calling our Telephone Teller at 1.800.606.6408. 

We invite you to explore the products we offer and to visit any one of our community branches. We believe that once you experience the hometown friendliness, you will agree that Citizens Bank is the bank that's just right for you.

Citizens Bank of Northern Kentucky is part of the Kentucky owned and operated bank holding company, Farmers Capital Bank Corporation which is headquartered in Frankfort. Farmers Capital Bank Corporation operates 34 banking locations in 21 communities throughout Central and Northern Kentucky, a data processing company, and an insurance company. Its stock is publicly traded on the NASDAQ Stock Market LLC exchange in the Global Select Market tier under the symbol: FFKT

Other affiliate banks of the Corporation are: