Personal Solutions

Frequently Asked Questions

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When is the bank open?
What if I need help when the bank isn't open?
What if I accidentally left my card in the ATM?
How do I sign up for Online Banking?
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?
How do I check my balance?
How do I balance my checkbook?
What happens if my account becomes negative?
What’s the difference between my memo balance and my current balance?
When do transactions made at the bank post to my account?
What if I need to cash a large check or make a large deposit? 
 

When is the bank open?
Our hours are different at each location. Use the links below to find out when the branch closest to you 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 telephone line, 1-800-915-2617, is available 24/7.  You can use it to check your balance and report any lost or stolen debit cards.  You can also access your account through online banking at www.citizenscommerce.com.
 

What if I accidentally left my card in the ATM?
As an identity theft prevention measure, Citizens Commerce ATMs automatically retract cards which are left in the card slot. If you have lost a Citizens Commerce card, we can return it to you once we have verified your identity using a picture ID; however, we are unable to retrieve cards from other banks.

How do I sign up for Online Banking?
To sign up for Online Banking, click the blue "New Users" link in the upper right hand corner of this page.  After completing the New User information, you will be notified by email within 1 business day. 

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.

How do I check my balance?
You can check your balance by using our Online Banking tool, calling our 24/7 customer service line at 1-800-915-2617, asking any customer service representative, or by calling us during business hours at (859) 879-9455.

Please be aware that your balance may not reflect certain store purchases, uncashed checks, ATM activities, or other transactions which have not yet been received by the bank. For the most accurate balance, use your checkbook or our convenient FinanceWorks program to keep track of all payments and deposits.

Click here for more information about FinanceWorks.

How do I balance my checkbook?
Click here for quick and easy instructions.

What happens if my account becomes negative?
If you overdraw your account, you will be charged a $30 overdraft fee for every NSF (non-sufficient funds) transaction. If your account is negative for more than 30 days, it will also be charged a $5 continuous overdraft daily fee.

To protect yourself from overdraft fees, you may want to link your checking account to your savings account. Stop by or call us to ask a Customer Service Representative for more information.
 

What’s the difference between my memo balance and my current balance?
Even after a transaction has been made, it must go through certain processing steps before it is completed. For this reason, a distinction is made between posted transactions, which have already been processed, and memo transactions, which have not yet been processed. A current balance (also called "ledger balance" or "available balance") shows only posted transactions, but a memo balance shows both posted transactions and memo transactions.

In other words, your current balance doesn't show some of your recent activity. Your memo balance is more up-to-date; however, it may not show certain store purchases, uncashed checks, ATM activities, or other transactions which have not yet been received by the bank. For the most accurate balance, use your checkbook or our convenient FinanceWorks program to keep track of all payments and deposits.

Click here for more information about FinanceWorks.
 

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 switches at Citizens Commerce; however, an individual teller may not switch credit dates at exactly 4:00 pm. Also, credit dates may be different around bank holidays.  If you need to be sure of a transaction's credit date, it is always best to ask your teller.

What if I need to cash a large check or make a large deposit?
If you need to cash a large check or make a large deposit, you should always speak with us beforehand to be sure that funds will be available when you need them. If a check is especially large or if we have reason to doubt its collectability, we may place a hold on it until the fifth business day after the day of your deposit.