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SCAM ALERT: Scams involving spoofed numbers and the impersonation Computer Support, Bank Employees, or Law Enforcement are on the rise. NEVER give anyone your passwords or PIN numbers. Be wary of scammers asking for you to purchase gift cards or deposit funds into any foreign ATMs or digital wallets. If you receive a suspicious phone call or text message, please hang up and contact us at the number on the back of your credit or debit card or dial (859) 253-6359.

Terms of Use

Messages sent by e-mail may not be secure, may be intercepted by third parties and may not be immediately received by the appropriate person at Central Bank. Please do not use e-mail to send us communications which contain confidential information, which we require to be in writing, or which need our immediate attention. Please call 859-253-6222 or write us instead at this address: P.O. Box 1360, Lexington, Kentucky 40588-1360, Attention: Client Services.

CentralBank.com (SM) is a Service Mark of Central Bancshares, Inc.

Central Bank & Trust Co. is an Equal Housing Lender.

Central Investment Center, Inc. (CIC), is a Service Mark of Central Bancshares, Inc., and a subsidiary of Central Bank & Trust Co.

Central Bank Insurance Agency, Inc., is a wholly-owned subsidiary of Central Bank and Trust Co.

State Registrations Disclosure for Websites

Insurance products are not a Deposit, not FDIC insured, are not insured by any federal government agency, not guaranteed by the bank, and may lose value.

Services of Central Bank & Trust Co., Central Bank Insurance Agency, Inc., Central Bank Mortgage, and Central Investment Center, Inc., are available only in Kentucky.

Visa® is a registered trademark of Visa USA, Inc.

Central Bank & Trust Co. is a Member FDIC.

The information contained in this site is correct and accurate as of the date of creation. Central Bank does not represent, warrant, or guarantee its accuracy.

The USA Patriot Act

Important Information About Procedures For Opening A New Account or Loan

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents and retain a photocopy.

We appreciate your support and cooperation with these initiatives which are required by the USA Patriot Act, effective October 1, 2003.

Including the following financial institutions:

  • Central Bank & Trust Co.