Citizens Union Bank, also known as CUB, provides a variety of lending and depositary products. Founded in 1888, it offers savings, checking and individual retirement accounts. The bank also provides home improvement, commercial, residential, personal, automobile and mortgage loans. Citizens Union Bank offers direct deposit, wire transfer, wealth management, insurance, merchant, electronic check and brokerage services. In addition, it provides safe-deposit boxes, certificates of deposit, traveler s checks and credit cards. The bank offers online banking services 24 hours a day, 7 days a week. Citizens Union Bank has a partnership with Money Concepts. It also operates a division, Fort Knox Bank. The bank offers online financial calculators. Citizens Union Bank is a member of the Federal Deposit Insurance Corporation. It is a part of Citizens Union Bancorp, which is a bank holding company.