Banks in Cold Spring, KY

Bank branch map: Cold Spring

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 4 banks and credit unions operate 4 locations in Cold Spring, according to the FDIC. 4 of them have coordinates on record and are on the map. 2 publish opening hours.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Cold Spring

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: 4 banks share the most locations in Cold Spring, with 1 each. 4 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Chase JPMorgan Chase Bank, National Association · 1 branch · main office Columbus, OH Bank · 1

Chase has 1 branch in Cold Spring, 46 across Kentucky and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Cold Spring Branch at 1046 Magnolia Ln dates to 2026 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Cold Spring Branch

  1046 Magnolia Ln, 41076

  Hours: see the bank's site
  DirectionsWebsite

Chase: profile, branches and contacts

Heritage Bank 1 branch · main office Burlington, KY Bank · 1

Heritage Bank has 1 branch in Cold Spring, 17 across Kentucky and 19 nationwide. FDIC records list its main office in Burlington, KY and show it operating since 1990. With $1.99 billion in total assets on June 30, 2026, it ranks No. 611 of 4,232 U.S. banks by total assets. The Cold Spring Branch at 4929 Alexandria Pike dates to 2003 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Cold Spring Branch

  4929 Alexandria Pike, 41076

  Hours: see the bank's site
  DirectionsWebsite

Heritage Bank: profile, branches and contacts

PNC Bank PNC Bank, National Association · 1 branch · main office Wilmington, DE Bank · 1

PNC Bank has 1 branch in Cold Spring, 67 across Kentucky and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Cold Springs Branch at 3701 Alexandria Pike dates to 1956 in FDIC branch records. It opens on Saturday.

• Cold Springs Branch

  3701 Alexandria Pike, 41076

  Today 9 am to 5 pm

  All hours

  Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published

  Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026

  DirectionsWebsite

PNC Bank: profile, branches and contacts

U.S. Bank U.S. Bank National Association · 1 branch · main office Cincinnati, OH Bank · 1

U.S. Bank has 1 branch in Cold Spring, 69 across Kentucky and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Cold Spring Branch at 3600 Martha Layne Collins Boulevard dates to 1988 in FDIC branch records. It opens on Saturday.

• Cold Spring Branch

  3600 Martha Layne Collins Boulevard, 41076

  (859) 442-2000Today 9 am to 5 pm

  All hours

  Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published

  Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page

U.S. Bank: profile, branches and contacts

Banking in Cold Spring: the local picture

Short answer: 4 banks run 4 branches in Cold Spring according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 4 banks, 0 have their main office in Cold Spring, 1 elsewhere in Kentucky and 3 out of state, according to the FDIC.

The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is PNC Bank's office at 3701 Alexandria Pike, dating to 1956; the newest is Chase's at 1046 Magnolia Ln, from 2026.

Of the 2 locations with published hours. 2 open on Saturday. 2 locations have no published hours in these sources.

Banks open on Saturday in Cold Spring

Short answer: 2 of the 2 Cold Spring locations with published hours open on Saturday, run by 2 institutions.

• U.S. Bank: 1 of 1 branch (3600 Martha Layne Collins Boulevard: Saturday 9 am to 1 pm)
• PNC Bank: 1 of 1 branch (3701 Alexandria Pike: Saturday 9 am to 1 pm)

Bank branches show hours only where the bank publishes them in a source this page uses; 2 of the 4 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.

Chase, Bank of America and other national banks

Which big national banks have branches in Cold Spring, and where the nearest one is if they do not.

Short answer: In Cold Spring: Chase (1), PNC Bank (1), U.S. Bank (1). No branches in Cold Spring: Wells Fargo, Bank of America (nearest in Crescent Springs, 8 mi), Truist (nearest in Highland Heights, 1 mi), Fifth Third Bank (nearest in Highland Heights, 1 mi), Huntington (nearest in Latonia, 4 mi), Regions Bank (nearest in Franklin, 197 mi), TD Bank, BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Cold Spring to the nearest branch in Kentucky.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Cold Spring residents like anyone else.

Banks near Cold Spring

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Highland Heights (1 mile) and Alexandria (4 miles). Covington, 5 miles away, has the most banks nearby: 9.

Bank branch openings and closings in Cold Spring

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show 1 branch opening in Cold Spring between September 5, 2025 and September 5, 2026.

Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.

Largest banks in Cold Spring by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Cold Spring offices.

Short answer: Chase is the largest bank with offices in Cold Spring, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. U.S. Bank is second with $705.55 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Cold Spring: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.