Kentucky Bank Best Places to Work - 2013 Winner
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About Us
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Kentucky Bank, headquartered in Paris, Kentucky, is a locally owned and publicly traded financial institution, with 15 branches located in 11 Kentucky communities. Our offices are located in Cynthiana, Georgetown, Lexington, Morehead, Nicholasville, Richmond, Sandy Hook, Versailles, Wilmore, Winchester, and Paris. Understanding these communities and their needs is important to us. Kentucky Bank and its tributaries have been a part of Kentuckians' financial solutions since 1851.

We are committed to providing you with Premier Customer Service. Kentucky Bank has embraced the technology that saves you time and makes banking easier. For individuals and families, we offer free online banking and free bill payment as a banking convenience as well as mobile banking with an app for iPhone & Android devices and our newest addition, the iPad app. We also offer Mobile Check Deposit, available with our Smartphone & iPad apps. Additionally, we offer business online banking for our business customers who have the desire to use technology to assist in managing their financial needs.

Our goal at Kentucky Bank is to encourage access to products and services that would be beneficial to your financial success. Your financial well being is our business and our future.

Through our Wealth Management Department Kentucky Bank offers Trust services to our clients and their family members. We also offer discount brokerage, long term care insurance as well as term, whole life, universal, key man insurance, and buy/sell agreements. Kentucky Bank's Wealth Management Department can tailor a strategy for your personal circumstances and investment goals.

Our Commercial Lending group has both breadth and depth of experience to assist any size transaction. This enhances our ability to offer commercial clients options with financing equipment purchases, accounts receivables, and inventory expansion. Commercial loans can be a fixed or variable rate with flexible repayment schedules. Kentucky Bank offers expertise to agricultural related businesses. We have been making equipment, livestock, crop, improvement, and other loans to farmers since we began banking in 1851. Our agricultural loan officers are glad to meet with customers at the time and place of their choice.

Involvement in the Kentucky communities we call home is a vital part of our future growth. Our employees, managers, and directors live and work in your communities. So if you call Kentucky home, we invite you to call Kentucky Bank home. --- Call It Home!


It is Kentucky Bank's mission to have our representatives, bank-wide, deliver the highest standard of customer service. It is our goal that the customer comes first and that each customer's concerns and needs be a top priority for every bank employee. These actions require our commitment.


  1. We will treat you with courtesy and respect.
  2. We will provide you with consistent, outstanding service throughout the bank.
  3. We will treat your personal information with the highest degree of confidentiality and privacy.
  4. We will always look for ways to exceed your expectations.


  1. We will treat you with courtesy and respect.
    1. We will immediately acknowledge our customers in a friendly manner and introduce ourselves when appropriate.
    2. We will always make the person in front of us the most important person.
    3. We will not talk on the phone while waiting on a customer.
    4. We will keep all cell phones on vibrate during business hours. When it is necessary to respond to a personal call, complete your business with either your internal or external customer prior to taking the call. Please do not use cell phones for personal business in customer service areas of the bank.
    5. We will ask our phone customer if we may put them on hold if it is necessary for them to wait. (Please ask for the caller's number in case you become disconnected. Also, check the caller's account and make sure we have the current phone number on file. Send a change form if we do not.)
    6. We will use the customer's name in transactions.
    7. We will use positive eye contact with customers.
    8. We will always be courteous-smile, say please and thank you.
    9. We will use positive words such as "certainly, my pleasure, good morning".
    10. We will sincerely thank every customer for his or her business.

  2. We will provide you with consistent, outstanding service throughout the bank.
    1. We will make ourselves available to our customers and co-workers.
    2. We will know our products and services so we may better serve our customer's needs.
    3. We will introduce beneficial products/services to your customer.
    4. We will escort our customer to other areas of the bank or contact the appropriate person to meet their guest.
    5. We will answer the telephone quickly-within 3 rings.
    6. We will send a hand written thank you note, with business card, to all new accounts within a week of opening their account.
    7. We will recognize and praise our employees that are delivering premier customer service.

  3. We will treat your personal information with the highest degree of confidentiality and privacy.
    1. We will educate our employees about their obligation to safeguard customer information, and we will hold them accountable for their actions.
    2. We will only discuss a customers business with employees within the bank who can help us address a customer need. Information is to be shared on a need to know basis only.
    3. Employees will regard each other's personal lives and financial information with privacy and respect. Information is to be shared on a need to know basis only.

  4. We will always look for ways to exceed your expectations.
    1. We will take ownership of a customer's issue. Once contacted by a customer, contact the person at Kentucky Bank or elsewhere that can resolve/answer the problem, follow up with the customer to let them know what is being done to help them and when they can expect resolution.
    2. We will always try to resolve any customer issue prior to the customer expectation.
    3. We will always look for ways to provide a little extra for our customers.
    4. We will ask the customer if we can do more for them.

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Business Online Banking Customers: You can now easily and reliably verify this site’s identity and security by looking for a green website address bar.  The new Extended Validation (EV) certificate triggers web browsers to display a green address bar and our site provider’s name (Fiserv, Inc.).
Effective June 9, 2014 you will no longer see the security image you are familiar with prior to typing in your password when you access online banking. You will still be prompted to enter your access ID and password, you may also be required to answer your security question. The security settings for online banking have been enhanced to add more complex security methods.

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