Contact Us & Directory

We appreciate feedback from our customers and encourage you to contact us with any questions or concerns.

We are here to help!

By Phone
By Email
By Fax
By Mail
Find A Location

By Phone

Main Phone: (800) 780-4808

To report a Lost or Stolen Debit Card after hours
(800) 472-3272

To Reset a Debit Card PIN Number
(800) 992-3808

Business Online Banking and Remote Deposit questions and assistance
(800) 780-4808

Mobile Deposit questions and assistance
(800) 780-4808

Lending Team

Bath County
Hayden Price NMLS #2214400
Susan Thompson NMLS #1107598

Morgan County
Brandon Evans NMLS #465951

Rowan County
Mike Alderman NMLS #665111
Mary Beth Cummins NMLS #665114

By Email

Give us your feedback

We want to hear from you!

We're committed to building long-term relationships with our customers and providing the best products and services. If there is a product or service we can improve upon, we'd like to hear about it. Likewise if you are happy with your customer service from one of our employees–we'd like to know about it as well.

Please send us your suggestions, complaints, or compliments.

Please do not email account numbers or other sensitive information.

By Fax

Morehead, KY
(606) 784-4616
Owingsville, KY
(606) 674-2715
Sharpsburg, KY
(606) 247-3514
West Liberty, KY
(606) 743-1527

By Mail

The Citizens Bank
PO Box 1026
Morehead, KY 40351

Secure Contact Forms

General Inquires

If you have general inquires you about your accounts, bill pay, new loan or other questions. You can send us those inquires securely, please click the button below to get started.

General Inquiries

Travel Notification

Please notify us when traveling. Without a travel notice, we may flag transaction as fraudulent and put a hold on your account until we can contact you to verify the transaction(s). It is not mandatory to alert us, but a good idea. You can call us or do it securely online.

Travel Notification Form

Please use the above secure forms "General Inquires" or "Travel Notification Form" to submit account numbers or other sensitive information. The form below is not secure and would be used more by non-customers for general questions or comments.


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