COVID-19 Update

Drive-Thru Hours

Berea: Mo-Thu 9am-5pm Fri 9am-6pm Sat: 9am-12pm

London: Mo-Fri 9am-5pm Sat: Closed

Merchant Drive (Richmond): Mo-Thu 8am-5pm Fri 8am-6pm Sat 9am-12pm 

River Drive (Irvine): Mo-Thu 8am-5pm Fri 8am-6pm Sat 9am-12pm 

West Irvine Plaza (Irvine): Mo-Thu 9am-5pm Fri 9am-6pm Sat 9am-12pm

East Main Street - Mo-Fri 9am-5pm Sat Closed


Public Safety Announcement

Issued by Kathy Samples, CEO Citizens Guaranty Bank

March 23, 2020

At Citizens Guaranty Bank, as we continue to monitor the evolving circumstances surrounding COVID-19, our top priority remains the health and well-being of our customers, employees and communities in which we serve.  We are extremely grateful for our partnerships with each of you. 

As the COVID-19 crisis continues, we know that we are in unprecedented times. The way we live, how we work and how customers interact with businesses is rapidly evolving. We know this amount of change and fluidity can bring uncertainty. Please know, we are in this together with you.

Citizens Guaranty Bank has a strong business continuity program and our pandemic plan was created for times like this to ensure all business services continue without disruption.  To ensure our employees maintain their health and safety to serve you, we have made the decision for some of our operations personnel to work from home.  Our business essential employees will be working on a rotational basis. 

Beginning Wednesday, March 25, 2020, customers can continue to perform drive-thru transactions at our River Drive, Irvine; Merchant Drive, Richmond, Berea and London locations as well as through the bank’s 24/7 night depository, 24/7 online banking, 24/7 mobile banking, 24/7 telephone banking as well as setting up face-to-face appointments for loans, new accounts or access to safe deposit boxes. 

Our West Irvine and East Main, Richmond locations will be temporarily closed to allow our staff to be in the rotation at our other locations.  Our Berea and London locations hours will also be modified to 10am to 3pm Monday through Friday.  Saturday hours at all open locations will remain the same.  (refer to the bank’s website for a complete listing at

Thank you for your trust in Citizens Guaranty Bank.  We appreciate your understanding and assistance in keeping each other safe and healthy.  Moving forward, serving our customers and keeping our employees safe will continue to be at the forefront of every decision we make.


Kathy Samples
Chief Executive Officer

Services are available through:

Online Banking - 24 hours/7 days week

Sign up at


Telephone Banking – 24 hours/7 days a week



Mobile Banking App

Citizens Guaranty Bank Mobile App (search MyCGB in the App Store)


ATMs – 24 hours/7 days a week

(locations River Drive, West Irvine, Merchant Drive and Berea)


Night Deposits – 24 hours/7days week

(all branch locations)


U.S. Mail

New Loan or Deposit Services are available by calling one of the numbers listed below and making an appointment. Appointments are also available to enter your safe deposit box.


Estill County (606) 723-2139 or (606) 723-2138

Madison County (859) 624-2138, (859) 623-2138, or (859) 986-2138

Laurel County (606) 864-0284

Customer Service and Account Information will also be available at the following numbers.


(606) 726-2010

(606) 726-2047

(859) 544-8061

(859) 544-8062

(859) 228-3997

(859) 228-3999