Internet BankingJump to a Personal Saving Account:
Keepsake Savings
DETAILS
- $0 to open
- A minimum balance fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the cycle.
- FREE eStatements
- FREE Paper Statements
- FREE 24/7 access with On-line Banking
- FREE 24/7 access with Your Account on call
Health Savings Accounts
DETAILS
- $100 to open
- $4.50/month service fee
- FREE Visa™ Health Savings Debit Card
- FREE eStatements
- FREE 24/7 access with Online Banking
- FREE 24/7 access with your account on call
- FREE mobile app
- Unlimited check writing
- $5.00 Monthly Mailed Statement fee.
Education Savings (CESA)
DETAILS
- Save money and earn tax-exempt interest for your child’s education
- Make yearly non-deductible contributions up to $2,000
- Qualified distributions and earnings are tax exempt
- $2,000 minimum balance to open per minor.
- Maturity terms from 30 days to 5 years
- Online Banking
- Your Account on Call
Citizens Bank of Kentucky and its affiliates do not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.
Certificates of Deposit
DETAILS
- Available to Businesses and Consumers
- FDIC Insured
- Maturity terms from 30 days to 5 years
- FREE 24/7 access with Online Banking
- FREE 24/7 access with your account on call
Christmas Club
DETAILS
- $5.00 Minimum balance to open
- Auto transfer convenient way to save
- FREE 24/7 access with Online Banking
- FREE 24/7 access with your account on call
Traditional IRAs
DETAILS
- Fixed rates
- Contributions may be tax deductible
- Taxes on earnings or pre-taxed dollars are deferred until distribution
- Distributions may be taken without penalties at age 59 1/2
- FREE 24/7 access with Online Banking
- FREE 24/7 access with your account on call
Citizens Bank of Kentucky and its affiliates do not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.
Roth IRAs
DETAILS
- Flexible with tax-free growth
- Contributions are not tax deductible
- Qualified distributions after a 5-year period
- Withdraw funds used to purchase a first home are tax-exempt if you’re under 59 1/2, please refer to the IRS Website for additional details.
- Tax-exempt if you’re over 59 1/2
- FREE 24/7 access with Online Banking
- FREE 24/7 access with your account on call
Citizens Bank of Kentucky and its affiliates do not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.
Young Savers
DETAILS
- $5.00 to open
- A minimum balance fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the cycle at age 18 years or older.
- Converts to a Keepsake Savings at 18
To report a Lost or Stolen Debit/ATM Card between the hours of 9am-5pm please call (866) 462-2265.
After hours please call (800) 811-8148, select option 3.