Business Solutions

Frequently Asked Questions

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When is the bank open?
What if I need help when the bank isn't open?
How can I send the bank a secure email?
What is the bank's routing number?
What information do I need to make a wire transfer?
What if I need a service that the bank doesn’t provide?
My business goes through a lot of change. Can I get what I need at Citizens Commerce?
My business has multiple employees who handle our finances. Can I add them to the business account without giving them full access to it?
My business makes a deposit almost every day. Is there any way to cut down on the number of trips we have to take to the bank?
When do transactions made at the bank post to my account?
 

When is the bank open?
Our hours are different at each location. Use the links below to find out when your branch is open.
Versailles Hours and Locations
Frankfort Hours and Location
Nicholasville Hours and Location

What if I need help when the bank isn't open?
Our toll-free Citizens Connection line, 1-800-915-2617, is available 24/7. You can use it to check balances and report any lost or stolen debit cards.

How can I send the bank a secure email?
Use our Guestbook webmail system to send and receive information safely.

What is the bank's routing number?
Our routing number is 042102597.

What information do I need to make a wire transfer?
Click here for wire transfer instructions.

What if I need a service that the bank doesn’t provide?
If your business has a need that our services don’t meet, let us know. We’re happy to customize any of our existing programs, create a new program just for you, or find someone else who can provide what you need.

My business goes through a lot of change. Can I get what I need at Citizens Commerce?
Our tellers keep rolled coin on hand, and they’re happy to provide whatever change you need to keep your business running smoothly. Just stop by any of our locations and ask for coin. To speed up the process, you may want to call ahead of time and let the tellers get your change ready before you arrive.

My business has multiple employees who handle our finances. Can I add them to the business account without giving them full access to it?
Yes! You can add employees as authorized signers on your account and ask a Customer Service Representative to attach a note to the account that specifies what they may and may not do. You might also be interested in Cash Management, which allows you to give each employee different levels of online access to your accounts.

My business makes a deposit almost every day. Is there any way to cut down on the number of trips we have to take to the bank?
Yes! Our convenient Remote Deposit system allows you to make deposits to your account right from your office. You don’t have to waste time and money driving to the bank. 

Click here for more information about Remote Deposit.

When do transactions made at the bank post to my account?
Every transaction made at a Citizens Commerce location posts at midnight on the credit date the transaction was made on. If a transaction is made on Friday's credit date, for example, it will post Friday at midnight. The credit date of transaction will not always be the same as the date the transaction was done.

The chart below provides approximate times for credit date changes at Citizens Commerce; however, an individual teller may not switch credit dates at exactly 4:00 pm. Also, credit dates may be different near bank holidays.  If you need to be sure of a transaction's credit date, it is always best to ask your teller.