Contact Us & Directory

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

Contact-Form

Quicklinks Include

Mobile Banking Include