Citizens Union Bank and German American Bank are excited to officially be joining together starting at 8:00 a.m. on Monday, March 7th, 2022. As we begin our partnership, our promise is to serve you, our valued customers, with local, responsive service and decision-making from local financial professionals. By blending our rich histories, strong values and financial expertise, we will open new possibilities by offering you a broader array of financial services in banking, insurance and wealth management, more robust digital banking solutions, and more convenient locations and ATMs. Together, we will work to be better for you.

Continue to bank as usual with Citizens Union Bank, yet remember that all Citizens Union Bank offices will be closed on Saturday, March 5th, as we transition accounts, cards, online/mobile banking and the office signage to German American Bank.

Please keep your Welcome Packet, and any other information we mailed to you, easily accessible so you can transition seamlessly from using Citizens Union Bank debit cards and online/mobile banking to German American Bank Check Cards and online/mobile banking. 

We invite you to get to know German American Bank! Learn about our history, mission and values, and commitment to community. We believe that when communities thrive, people prosper, and we look forward to welcoming new customers and communities into our family!


Citizens Union Conversion FAQs

  1. For the vast majority of Citizens Union Bank customers, there is no need to change the routing number to the German American Bank routing number.

    • There is no need to order new checks or deposit slips, so continue using your Citizen Union Bank supply as you normally would. When your supply is depleted, contact us and we’ll help you order a new supply.
    • Your direct deposits will continue as usual.
    • Automatic drafts that use your account number and routing number will remain unchanged.

    A very small percentage of Citizen Union Bank customers were mailed notification in their Welcome Packet that they have an account number(s) that is changing. If you received this notification, follow the instructions included on the notification. If you have questions, contact us, and we’ll be happy to assist you.

  2. Whether you asked, or are just wondering, thank you! This question gives us an opportunity to tell our valued customers, and those in the communities we serve, about our history.

    Are we a German bank?
    No, we are not. German American Bank is American through and through. The bank was organized in 1910 in a community located in the Ohio Valley Region, Jasper, IN. German-American heritage was prominent in this community, as it was throughout much of this geographic region.

    German American Bank has grown a lot since 1910, and now we proudly serve culturally diverse communities throughout the entire southern Indiana area, as well as, Shelbyville, Louisville, Owenton, Simpsonville, La Grange, Warsaw, Taylorsville, New Liberty, Mt. Washington, Elizabethtown, Bowling Green, Franklin, Owensboro, and Henderson in Kentucky. Today we look at our German American name as a reflection of the traits rooted in our beginning, which we remain true to today: people first, hard work, family, community, integrity, and pride in any community’s heritage with a focus on the future. We believe these values set us apart in 1910 and continue to do so today.

    German American Bank has embraced the significance of its heritage-based name and empowers its local teams to celebrate and support the variety of heritages and unique festivals within the local communities served.

    Where People, Technology, and Local Come Together in Banking.

    From leading-edge banking technology that is continually enhanced to stay abreast of the latest advancements, to local, responsive decision making by a talented team of local financial professionals, German American Bank is the ideal choice for all of your financial needs.

  3. Please keep using your current checks and deposit tickets (checking and savings). After depleting your supply of Citizens Union Bank checks, call us or visit any German American Bank office to re-order your check supply. We will order your new supply of checks from our preferred supplier, Deluxe. Deluxe will ensure the quality of your checks and convert the Citizens Union Bank routing number to German American Bank’s routing number. If you use another check supplier, please contact us before ordering. We will provide you with a specification sheet which should be given to your supplier when placing an order. The sheet will include German American Bank’s routing number 083904563 and the format for the entire MICR line.

  4. The vast majority of customers' account numbers WILL NOT change. We did find duplicate account numbers for a small portion of Citizens Union Bank customers. These customers were mailed a customized Welcome Packet on February 2nd explaining their new account number(s) with German American Bank.

  5. Yes, German American Bank calls them eStatements, and they are available in your secure online banking site and mobile banking app. To access or enroll in eStatements, you must log into or enroll in German American’s Online Banking or log into or download German American's Mobile Banking App on or after Monday, March 7, 2022

  6. Your loan account number(s) will not change. Please keep using your existing coupon book(s) to make your loan payments with German American Bank. If you have a loan payment automatically deducted from a Citizens Union Bank deposit account, this payment will automatically transition.

    German American Bank offers many convenient ways to make a payment on your loan. Use the German American Bank Online Payment System to make one-time payments or establish recurring payments.

    Loan payments can also be made at any German American Bank office, or mail payments to:
    German American Bank
    P.O. Box 360
    Jasper, IN 47547-0360

    Home Equity Line of Credit (HELOC) Checks
    Continue to use your existing Home Equity Line of Credit (HELOC) checks. In the future, if you need additional HELOC checks, contact us and we will place an order for updated German American Bank branded checks. For ultimate convenience, you can manage your Home Equity Line of Credit within German American Bank’s Online and Mobile Banking services.  You may also make one-time payments or establish recurring payments using the German American Bank Online Payment System.

  7. Yes, you will receive a new German American Bank Visa® Check Card or Visa® Business Check Card, which will replace your current Citizens Union Bank Debit Card. Detailed instructions, along with your new Visa® Check card, will be sent to you on or before February 23, 2022. Please keep the card, yet do not use it until Monday, March 7, 2022. Continue to use your Citizens Union Bank Debit Card through 8:00 a.m. eastern on Monday, March 7, 2022.

    You will need to activate your German American Bank Visa® Check Card and select a PIN prior to using it for the first time. To do so, please follow the instructions provided in the card mailer. Since your card number will change, beginning March 7, 2022, please notify merchants currently using your Citizens Union Bank Mastercard® Debit Card as a payment method for recurring bills that your card number has changed and provide them with your new German American Bank VISA® Check Card number.

  8. Direct deposits, as well as automatic incoming/outgoing transactions set up on your Citizens Union Bank accounts, will convert to German American Bank. ACH funds post on the settlement date. It is recommended you change your routing number to the German American Bank routing number for transactions occurring after March 7, 2022. 

    Your scheduled and recurring online transfers at Citizens Union Bank will discontinue on Friday, March 4, 2022. You will need to re-establish your transfers within German American Bank’s Online Banking system on Monday, March 7, 2022.

  9. If you use an incoming wire transfer service, you will need to provide the following information to the originator to use starting Monday, March 7, 2022.

    • Receiving Bank: German American Bank
    • Receiving ABA number: 083904563
    • Title on the account (the name on your account as it appears on your statement), address and full account number. If the beneficiary will need further handling instructions, those should be provided to the sending bank as well, such as “for final credit to,” “payment on invoice number,” or “credit account number,” etc.

  10. Yes, you will need to activate your new Visa® Check Card. Activate and set your PIN (Personal Identification Number) by following the instructions on the card label on or before Monday, March 7, 2022.

  11. You will be mailed a final paper statement from Citizens Union Bank for each of your checking and savings accounts, which will cover the period from your last regular statement through Friday, March 4, 2022. Expect to receive it the week of March 7, 2022.

    Your new checking account statement from German American Bank may arrive at a slightly different time of the month than your current Citizens Union Bank statement. For the availability of check images, please see your transition guide in the Welcome Booklet on pages 10-13 for personal accounts and 18-21 for business accounts. Savings account paper statements are issued quarterly and generated on the 10th day of the first month in each quarter. We do not provide images for savings accounts.

    If you receive eStatements from Citizens Union Bank, you will continue to receive eStatements from German American Bank. For checking accounts, eStatements are issued monthly and may arrive at a slightly different time of the month than your current Citizens Union Bank eStatement. For savings accounts, eStatements are issued monthly and generated on the 10th day of the month. If you currently do not use eStatements, yet would like to enroll, please log in to Online Banking or use the German American Bank Mobile Banking App beginning March 7, 2022, and follow the prompts.

  12. We are working hard to make this transition as easy as possible for you. In your Welcome Packet mailed to Citizens Union customers on February 2, 2022, you received a booklet that explained which German American Bank accounts your Citizens Union Bank accounts will be transitioned to. Feel free to talk to our financial professionals about your unique needs to ensure you are in German American Bank accounts that are right for you.

  13. German American Bank offers Online Banking at and Mobile Banking through our German American Bank Mobile Banking app. These services will be available to you starting at 8:00 a.m. eastern on Monday, March 7, 2022. You may download the German American Bank Mobile Banking App any time; however, it will not be accessible to you until Monday, March 7, 2022.

    Online/Mobile Banking Key Dates to Know

    March 3, 2022
    You will no longer be able to access Citizens Union Bank’s Bill Pay or schedule payments after 5:00 p.m. eastern.

    March 4, 2022
    You will no longer be able to access Citizens Union Bank’s Online Banking and Mobile Banking app after 3:00 p.m. eastern.

  14. Just stop in your local Citizens Union Bank office and ask for a new packet.

  15. Contact our banking professionals who will help ensure that you have the maximum amount of FDIC coverage available.

  16. To help ensure the safety of our customers' funds, wires that are requested over the phone will be verified with a callback from the German American Bank Money Desk Team. Customers must have a phone number(s) on file in order to receive the callback and complete the transfer.

  17. 083904563

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