Heartbleed Internet Bug
Citizens Bank is aware of the “Heartbleed” internet bug that has been widely reported in the media. Protecting your confidential information is one of our top priorities. Please rest assured that we are addressing this issue, and if any vulnerabilities are discovered, that we will let you know and they will be dealt with as quickly as possible. We can confirm that our Online Banking system has not been affected by the Heartbleed bug. Your Online Banking information is and has been secure. Your Online Banking username and password have not been compromised. If you have any questions or concerns please feel free to contact us. Further updates will be posted on our website as appropriate.
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Planning for the Future
Trust and Investment Services
Citizens Bank of Northern Kentucky has provided personalized trust and investment services for over 10 years. Our Trust and Investment Department team averages approximately 30 years of professional experience in proactively serving clients.

The trust and investment services of Citizens Bank of Northern Kentucky includes the administration of personal trusts and Individual Retirement Accounts, estate planning and estate settlement, and investment management and custody services for individuals, corporations, and non-profit organizations.

Our mission is the development of valuable, long-term relationships by providing outstanding, personalized trust and investment services to all of our clients.

Practical Money Skills
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- Handy calculators at this website help you determine how much you need to save for college, retire, purchase a home and more.

We can work with you to handle all of your trust and investment needs. Examples of accounts we work with daily include:

• Living Trusts
• Managed Investment Accounts

• Testamentary Trusts

• Estate Administration

• Custody Accounts

• Charitable Trusts

• Special Needs Trusts

• Like-Kind Exchanges

For more information on all of your trust or investment needs, call us at 859.442.7782.

Estate Planning
Citizens Bank’s personal trust professionals work closely with your attorney, CPA and other estate planning professionals to allow your goals to become a reality. Our employees are up-to-date on cutting edge techniques that can benefit your entire family. Please see our Estate Planning Brochure for more information.

For more information on all of your trust or investment needs, call us at 859.442.7782.

Assets of Citizens Bank Trust and Investment Services are not: 1) deposits or other obligations of, nor are they guaranteed by Citizens Bank of Northern Kentucky, or any of the affiliates of Farmers Capital Bank Corporation; 2) are not insured by the FDIC, any agency, Citizens Bank of Northern Kentucky, or any of the affiliates of Farmers Capital Bank Corporation and 3) are subject to investment risk including loss in value.