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About Us
A subsidiary of Farmers Capital Bank Corporation, Citizens Bank of Northern Kentucky first opened its doors in October 1993. We presently have eight convenient locations throughout Campbell, Kenton and Boone counties (Newport, Bellevue, Highland Heights, Alexandria, Ft. Thomas, Florence, Independence 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 as well as our affiliate branches located throughout Kentucky. These services provide access to cash 24 hours a day, seven days a week. In addition, our customers can access their accounts by Internet Banking or through 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 here in Frankfort. Farmers Capital Bank Corporation operates 35 banking locations in 22 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

Affiliate banks of the Corporation are:

Farmers Bank & Capital Trust Co.: Frankfort - Lawrenceburg - Harrodsburg

United Bank and Trust Co.: Georgetown - Lexington - Midway - Nicholasville - Stamping Ground - Versailles - Wilmore

First Citizens Bank: Elizabethtown - Shepherdsville - Radcliff - Mt. Washington

Citizens Bank of Northern Kentucky: Newport - Bellevue - Alexandria - Highland Heights - Fort Thomas - Independence - Crestview Hills - Florence Kentucky