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 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.