Established in 1993, Citizens Bank of Northern Kentucky is a community bank that offers checking and saving accounts, check cards, Internet banking and an online bill payment option. It also offers certificates of deposit, commercial, automobile and real estate mortgage and home modernization loans. The bank provides traveler s checks, after-hours depositories, savings bonds and safe deposit boxes. Its other products and services include direct deposit, online check order, overdraft protection, safe deposit boxes and telephone banking. The bank also operates a trust department, which provides trust and estate administration services, as well as asset management and custody services. Citizens Bank of Northern Kentucky has one of its offices in Newport, Ky.