Central Bank Business Services | Issuu

BUSINESS SERVICES

BANKING

•

WEALTH MANAGEMENT

•

INSURANCE

•

INVESTMENTS

BUSINESS SERVICES

OUR COMMUNITY’S STRENGTH CAN BE MEASURED BY THE AMOUNT OF RESOURCES AVAILABLE TO HELP IT GROW AND IMPROVE. EVERY DAY, CENTRAL BANK WORKS IN THE COMMUNITY TO HELP BUSINESSES BE AS STRONG AS THEY CAN BE. WE’RE DEDICATED TO HELPING YOU MEET YOUR BUSINESS CHALLENGES – WHETHER IT’S STARTING A NEW BUSINESS OR EXPANDING ONE THAT’S BEEN AROUND FOR YEARS. NO MATTER HOW SIMPLE OR SOPHISTICATED YOUR NEEDS, WE CAN RECOMMEND CREATIVE SOLUTIONS FOR A WIDE VARIETY OF SERVICES: COMMERCIAL LENDING, CHECKING, CASH MANAGEMENT, INSURANCE, INVESTMENTS, CORPORATE CREDIT CARDS, RETIREMENT PLANS AND MORE. ALL ARE DELIVERED WITH THE SAME DEDICATED PERSONAL STYLE THAT CLEARLY SETS CENTRAL BANK APART AS THE BANKING LEADER FOR BUSINESSES. ONCE YOU TALK TO OUR STAFF, WE’LL PROVIDE EXPERT SOLUTIONS TO YOUR BUSINESS. YOUR CENTRAL BANKER WILL HAVE A SINCERE INTEREST IN HELPING YOU SUCCEED, NOW AND IN THE YEARS TO COME.

Luther Deaton, Jr.

Chairman, President and CEO Central Bancshares, Inc.

COMMUNITY IS CENTRAL

No matter how big we grow, Central Bank is and always will be a community bank.

We take an active role in the well-being of the cities and towns we serve. We are one bank committed to working together to provide the best financial values for businesses of all shapes and sizes.

Our customers can see that we offer a range of products, advice and business-enhancing technologies that rival many large banks.

Yet, we offer those resources with personal relationships that emphasize people over profits. Because we know the strength of our bank will be forever tied to the strength of the businesses who partner with us.

BANKING

•

WEALTH MANAGEMENT

•

INSURANCE

•

INVESTMENTS 1

LOANS AND CARD OPTIONS TO KEEP YOUR COMPANY GOING STRONG You get more than a wide range of lending, credit card and debit card options at Central Bank. You gain access to decision makers located in town and close to your business – so you receive timely advice and quick approvals right where you need them.

WORKING CAPITAL LINES OF CREDIT Secure a flexible loan or line of credit you can use as needed for short-term or seasonal borrowing.

SBA LOANS Small Business Association loans help your established

LINE OF CREDIT SWEEP

business grow and expand by providing government

Our integrated deposit and loan systems allow you to

guarantees, lower down payment requirements, longer

link your operating Line of Credit to a Central Bank

repayment terms and no balloon payments with fixed or

depository account for convenient access to your

variable lending rates.

credit line. Account integration makes it easier to automatically pay down outstanding line of credit balances whenever there are excess funds in your depository account. In addition, this daily automated sweep allows your operating Line of Credit to fund checking account disbursements whenever you need it.

REAL ESTATE LENDING Our Commercial Mortgage Lenders work to provide lending solutions for developers, real estate investors, institutional investment funds, community developers and borrowers purchasing income-producing properties.

Our real estate lending options include:

LETTERS OF CREDIT

• Land Acquisition and Development

This guarantee of payment

• Construction Loans

to a third party on behalf of

• Term Financing Loans

a second party is obtained to ensure performance.

CENTRESUITE Add control and convenience to your employees’ corporate credit cards. With the power of CentreSuite, you can:

TERM LOANS AND EQUIPMENT FINANCING These lump-sum disbursement loans allow you to pay back the loan over a specific period of time. This loan option is frequently used to finance equipment, a change in ownership, a new business acquisition or other long-term needs.

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Loans subject to credit approval.

• Increase individual card limits, close accounts, request replacement cards and make payments • Create and manage expense reports • Gain access to an online program administrator

VISA® CORPORATE CREDIT CARD You can choose to receive one consolidated statement each month or have each cardholder billed directly for charges they are authorized to expense. In addition, you will automatically receive management reports to keep track of your company’s expenditures.

POINT QUEST REWARDS • Earn one reward point for every $1 spent on eligible purchases • Redeem reward points online for merchandise, gift cards or travel certificates with no blackout dates • Earn 5,000 bonus points for first purchase

TRAVEL PERKS • Access to 24/7 Visa® Travel Center1

SPECIFICS

• Travel and emergency assistance services

• No annual fee • Low variable APR (APR may vary) • No fees for ATM cash advances or balance transfers • 1% foreign transaction fee • $25 late-payment fee

• $200,000 travel accident insurance • Visa® liability waiver • Roadside dispatch • Auto rental collision damage waiver

• $25 overlimit credit fee • CentreSuite online card access • Local service in person or by phone

Other features include: • Auto rental collision damage waiver • Emergency card replacement • Emergency cash disbursement

- Refer to Visa® Package brochure that will accompany your card for complete details.

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• Lost and stolen card reporting • Purchase security and extended protection

VISA® BUSINESS DEBIT CARD The Central Bank business debit card gives you the flexibility you need for cash withdrawals, deposits, transfers and everyday business purchases. Transactions are automatically deducted from your business checking account, you can set custom spending limits per user and you will enjoy the protection of the Visa® liability waiver.

Use it everywhere Visa® credit cards are accepted or at any Central Bank ATM. You’ll also be rewarded with points every time you use your Central Bank debit card to make a purchase. Register at uchooserewards.com to redeem your points online for cash back, gift cards, merchandise, travel and more.

Loans subject to credit approval.

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A RANGE OF CHECKING ACCOUNTS DESIGNED TO FIT YOUR BUSINESS AND BUDGET

FROM HIGH-VOLUME CORPORATIONS TO A-FEW-CHECKS-A-MONTH SOLE PROPRIETORS, CENTRAL BANK OFFERS CHECKING ACCOUNTS THAT STRIKE A BALANCE OF PERFORMANCE AND ECONOMY.

ACCOUNT DESIGNED FOR MINIMUM OPENING DEPOSIT KEY FEATURES

CENTRAL BUSINESS 150

CENTRAL BUSINESS 250

CENTRAL BUSINESS 250 INTEREST

Businesses with low transaction volume

Businesses with higher transaction volume

Businesses with higher transaction volume that prefer an interest-bearing account

$50

$50

$50

• Visa® Business Debit Card

• Visa® Business Debit Card

• Visa® Business Debit Card

• Maximum of 150 items per

• Maximum of 250 items per

• Maximum of 250 items per

monthly statement cycle, including

monthly statement cycle, including

monthly statement cycle including

checks, other withdrawals and deposited

checks, other withdrawals and deposited

checks, other withdrawals and deposited

items – $0.35 per additional item

items – $0.25 per additional item

items – $0.50 per additional item • Pays a variable rate of interest compounded daily and paid monthly on collected balances; current annual percentage yield and interest rate are available by calling your banking center

MONTHLY SERVICE FEE

None if:

None if you maintain a minimum

None if you maintain a minimum

• You maintain a minimum daily balance of $1,000

daily balance of $2,500 OR a minimum

daily balance of $15,000 –

OR a minimum daily balance of $15,000 in all

daily balance of $25,000 in all linked

otherwise, it’s $20 2,5

linked accounts. 2,3

accounts – otherwise, it’s $15 2,3,5

• OR you receive eStatements through CentralNET online banking.4 • OR you have 15 debit card purchases posted to your account during that statement cycle.

Pending purchase transactions, though deducted from the account balance in online and mobile banking, will not count toward the 15 purchase transactions unless they have posted to your account and are listed on your account statement.

• OR you have Merchant Services with Central Bank.

• OR you have Positive Pay with Central Bank.

- The minimum daily balance must be met each day of the statement cycle.

3 - Restrictions apply. Contact your Central Banker about linking accounts for this purpose.

4 - Enrollment in CentralNET Online Banking is required to receive eStatements. Paper statements and eStatements are available with check images.

5 - See Business Fee Schedule for other fees.

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Otherwise it’s $10.5

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TO MAKE SURE YOU CHOOSE THE CHECKING ACCOUNT THAT DELIVERS THE MOST BENEFITS FOR YOU, TALK TO YOUR CENTRAL BANKER.

BUSINESS CHECKING

BUSINESS INTEREST CHECKING

CENTRAL SERVICE 100 CHECKING

Businesses with higher transaction volume

Sole proprietorships, nonprofits,

Nonprofit organizations and

trust/fiduciary and governmental units

donation accounts

$100

$1,000

$50

• Visa® Business Debit Card

• Visa® Business Debit Card

• Available to nonprofit organizations,

• Allows unlimited withdrawals, but

• Pays a variable rate of interest,

analysis fee of $0.16 per check and

compounded daily and paid monthly

other debits is assessed if balances do

on collected balances; current annual

not compensate for services utilized

percentage yield and interest rate are available by calling your banking center

• Multiple business checking accounts

including all 501-(c)3 organizations; bowling leagues, book clubs and other social organizations; Sunday school accounts (when not linked to the main church account for combined analysis); booster clubs; estates; memorial and

can combine investable balances and

• Maximum of 35 checks and withdrawals

donation accounts; and Trust accounts

service volumes to help offset or

each monthly statement cycle – $0.15

(using an EIN)

minimize your fees; we are able to

per additional check or withdrawal

project your volume of service fees and

• Maximum of 100 items per monthly statement cycle, including

the required balance that’s needed to

checks, other withdrawals and deposited

offset the fees

items – $0.35 per additional item

• Monthly printed statement or eStatement provides images of your checks, in serial number order, and deposit slips;

accounts with high check volumes may elect to receive all activity on CD ROM, providing permanent storage and item-search capability – $15 per month

Earnings credit on balances is applied

None if you maintain a minimum

None if you maintain a minimum daily

to cover cost of $15 monthly service fee,

daily balance of $1,000 or a minimum

balance of $1,000 or if you “Go Paperless”

debit and deposited items volume and

daily balance of $10,000 in all linked

with eStatements4 – otherwise, it’s $32,5

other miscellaneous services provided

accounts – otherwise, it’s $9 2,3,5

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CENTRAL AT WORK As part of our business relationship, we can offer your employees a special banking package.

See your Central Banker for more details.

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SAVINGS ACCOUNTS FOR A RAINY DAY, ONLINE BANKING FOR EVERY DAY At Central Bank, you can link many savings accounts to your checking account, so you can both save and earn money for your company and you can monitor it all with three options for online banking.

SAVINGS ACCOUNTS STANDARD FEATURES Our Business Savings, Central Business Money Market, Central Community Money Market and Business Money Market Sweep accounts cater to nonpersonal organizations and businesses. And every account comes with these great features: • Earn variable rate of interest, compounded daily on collected balances and paid monthly • Up to six transfers/withdrawals allowed per monthly statement cycle

BUSINESS SAVINGS ACCOUNT DESIGNED FOR

MINIMUM OPENING DEPOSIT KEY FEATURES

CENTRAL BUSINESS MONEY MARKET ACCOUNT

THE SWEEP ACCOUNT

Sole proprietors, partnerships, nonprofit businesses and corporations with over $10,000 in earnings

Companies with substantial excess Regular Business Checking balances

Businesses and corporations with over $10,000 in earnings

Sole proprietors, partnerships, nonprofit businesses and corporations with over $10,000 in earnings

$10

$2,500

$2,500

None

$2,500

Six free withdrawals or transfers per monthly statement cycle; $5 fee for each withdrawal or transfer in excess of six

Six free withdrawals or transfers per monthly statement cycle; $10 fee for each withdrawal or transfer in excess of six

• A Business Checking Account that automatically moves excessive collected balances into a linked Central Money Market Account to maximize earnings

• Automatically invests excess investable balances in an overnight Repurchase Agreement; daily confirmation notices are provided identifying assigned collateral and other information

Six free withdrawals or transfers per monthly statement cycle; $10 fee for each withdrawal or transfer in excess of six

Nonpersonal organizations or businesses

• Funds sweep back into the Business Checking Account as needed to cover daily activity; on the sixth transfer in the monthly statement cycle, all remaining balances are swept back into the checking account and transfer activity is suspended for the remainder of the statement cycle • Six free withdrawals or transfers per monthly statement cycle; $10 fee for each withdrawal or transfer in excess of six

MONTHLY SERVICE FEE

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CENTRAL COMMUNITY MONEY MARKET ACCOUNT

BUSINESS MONEY MARKET SWEEP

None if you maintain a daily balance of $200 each day of the monthly statement cycle – otherwise, it’s $2 5

None if you maintain a daily balance of $2,500 each day of the monthly statement cycle – otherwise, it’s $105

$10

• Interest is variable and based upon balance level maintained • Simple interest is accrued daily and paid monthly Funds invested in your Sweep Account are not deposits and, therefore, are not FDIC-insured, but are collateralized by bank-owned government securities.

$75

None if you maintain a daily balance of $2,500 each day of the monthly statement cycle – otherwise, it’s $105

CENTRALNET ONLINE BANKING We offer two commercial versions of our online banking product – one tailored for small businesses and one designed for larger companies.

SMALL BUSINESS VERSION This version of CentralNET offers standard business services for up to 10 accounts.

The Small Business version of CentralNET gives you the power to: • Offer single-user access

• Make unlimited online bill payments – free

• View and download deposits and loan account

• Choose expedited bill pay – make same- or next-day

balances and activity

electronic payments6

• Access check images

• Retrieve eStatements

• Initiate stop payment orders and view history

• Utilize CentralMOBILE

• Execute one-to-one account transfers

• Make mobile deposits via CentralMOBILE

• Pay Central Bank loans

BUSINESS VERSION For larger companies, our online banking product provides a wealth of valuable and convenient features.

Please call corporate services at 859-253-6368 for pricing information. With this version, you can: • View deposits and loan account balances and activity

• Choose dual-control option

• Receive eStatements

• Download transactions to Quicken® or Quickbooks®

• Access check images

• Perform BAI exports

• Initiate stop payment orders and view history

• Report cash positions

• Pay Central Bank loans

• Originate ACH payments and wire requests6

• Provide multiple-user access • Receive business alerts

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- Separate fees apply.

CASH MANAGEMENT ONLINE BANKING PRODUCT For business customers with more sophisticated cash management needs, we offer a Cash Management version of our online banking services. Companies receive all the features of our Business version of online banking plus: ACH Payment Module

ACH Collection Module

ACH Payment and Collection Services

Set up each employee for direct deposit,

Allows businesses to concentrate funds to

In addition to the ACH solutions in online

send payments to your recurring payees

Central Bank from accounts at other banks

banking, any NACHA-formatted data file

and send state and federal tax payments.

or to collect periodic payments like health

created by your company’s payroll or

club dues, tuition payments, pledged

accounting software can be provided to us

donations or other recurring collections.

by secure e-mail or secure direct file transfer for upload into the Federal Reserve System.

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CREATING CASH MANAGEMENT SOLUTIONS TO MAKE YOUR MONEY WORK HARDER

KNOWING WHERE YOUR FUNDS ARE AND WHERE THEY’RE GOING IS ONE OF THE MOST IMPORTANT ASPECTS OF YOUR COMPANY. OUR CORPORATE SERVICES TEAM WORK WITH YOU AND YOUR

REMOTE DEPOSIT

RELATIONSHIP MANAGER TO REVIEW YOUR UNIQUE

Remote Deposit can help you streamline your deposit process.

BUSINESS NEEDS AND IDENTIFY THE SERVICES

It’s an advanced image-capturing system that allows you to send endorsed digital images of checks directly to Central Bank

NEEDED TO STREAMLINE YOUR OPERATIONS AND

without leaving the comfort of your own office.

IMPROVE CASH MANAGEMENT.

To take advantage of this service, all you need is a Remote Deposit check scanner, a PC and a broadband Internet connection.

The scanner automatically captures the check image, recognizes the amount, applies your virtual endorsement and transmits the images to Central Bank. Your transportation costs decrease, check processing times increase and your business becomes more efficient.

OTHER CASH MANAGEMENT SOLUTIONS What cash management services do you need to run your company at peak efficiency? The best way to find

POSITIVE PAY

out is to talk with one of our specialists. We’ll help you

This service helps reduce check and ACH fraud by

determine exactly what you need to maximize your cash

allowing you to review daily suspect activity online.

management while minimizing the costs.

The security features of Positive Pay include:

Our portfolio of cash management services includes:

• Manages all interaction and eliminates the need to install software through secure online interface

• ACH payment modules

• Alerts you by way of text or email when check exception items or unauthorized ACH activity occurs

• ACH collection module

• Provides online exception management that allows

• Online wire transfers

you to make pay-or-return decisions for both

checks and ACH • Integrates with Central Bank’s teller system to provide

• Automated reconciliation • Line of credit sweep accounts

an additional front-line defense against check fraud

• EDI reporting

• Allows you to view images of exception items via

• Lock Box remittance processing with online viewing

check-image integration • Provides automated processing of submitted check files and the ability to enter checks manually • Additional benefits include payee line verification and automated check reconciliation

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• CentralNET Business Online Banking

• Zero Balance Accounts (ZBAs) • Money Market Sweep Account • Controlled disbursement accounts • Courier service

YOU MAKE THE SALE – OUR MERCHANT PAYMENT PROCESSING WILL TAKE IT FROM THERE

SINCE 1978, WE HAVE BEEN EXPERTLY HANDLING PROCESSING FOR MERCHANTS WHO WANT COMPETITIVE PRICING AND TECHNOLOGY WITHOUT GIVING UP PERSONAL CUSTOMER SERVICE AND SUPPORT – WHETHER IT’S IN PERSON, OVER THE PHONE OR ONLINE.

CENTRAL BANK’S SERVICE COMMITMENT Central Bank’s merchant program with local representatives is committed to providing superior customer service in a continual effort to exceed our merchants’ expectations.

Our on-staff merchant support team is available 8 a.m.–5 p.m. Monday–Friday. We provide 24-hour terminal and PC technical help-desk support.

As merchant service providers, we process applications in-house, including data entry, terminal deployment, implementation and one-on-one personal service with our

ALLOW YOUR CUSTOMERS TO PAY THE WAY

clients after the sale is made. As a commitment to quality

THEY WANT TO PAY

service, Central Bank offers month-to-month merchant

In today’s economy, customers have more ways to purchase

account terms with no cancellation fees.

your products or services than ever before. We can help you handle all of them. Payment for Visa,® Mastercard,® Discover® and debit transactions is available to your Central Bank checking

OVERVIEW OF PRODUCTS AND SOLUTIONS Our diversified mix of payment processing solutions meets a wide range of customer needs, including:

account the next business day. (Allow second-business-day funding for transactions authorized through dial-up touch-tone processing.)

When you work with Central Bank, we won’t lock you into

• EMV chip-card technology

long-term contracts. We offer month-to-month terms with no

• Contactless payments

cancellation fees.

• Apple Pay™

We offer versatility, efficiency and security, allowing you to

• Level 3 corporate business & purchasing cards • Debit card purchase/EBT • Flexible benefit cards

accept payments instore, online and on the go.

Processing options include: • Dial/touch-tone capture terminals with dial Internet and wireless options

• Recurring billing payments

• Virtual terminal

• Card-not-present/ecommerce payments

• Smart-device mobile payments

• Gift/loyalty-card payments

• Electronic check conversion

• PCI/DSS Security

• PC software solutions

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WE’RE HERE TO TAKE CARE OF YOU. AND HELP YOU TAKE CARE OF YOUR EMPLOYEES.

INSURANCE Central Insurance Services (CIS)7, 8, a subsidiary of Central Bank and Trust Co., offers a complete array of insurance products to help protect what’s important to you. At CIS, you’ll receive objective advice backed by some of the largest insurance companies in America. And you’ll get the same friendly service you’ve come to expect from the people who know you.

Business-related insurance services offered through Central Insurance Services include:

CORPORATE RETIREMENT BENEFIT PLANNING NEEDS 8

• Annuities8

To help you in creating, managing, planning and/or

• Business property and casualty

organizing a retirement plan for your employees, we offer:

• General liability • Worker’s compensation • Corporate life insurance • Executive risk • Commercial automobile • Umbrella policies • Bonds

• 401(k) plans • Profit-sharing plans • Defined-benefit plans • Target-benefit plans • 403(b) plans • Deferred-compensation plans

• Employee life and health coverage • Employee dental and vision coverage • Short- and long-term disability • Supplemental

WEALTH MANAGEMENT 8 For individuals, families and business owners with complex banking needs, the Central Bank Wealth Management Group offers local commitment, consistent processes and dedicated service to help uncover solutions for your financial needs.

Our integrated services include: • Private Banking • Investment management • Trust and estate planning • Retirement planning • Insurance strategies • Full range of IRAs 10

At Central Bank, we work to make your business as successful as possible. But we’re equally adept at helping to improve the individual financial lives of you and your employees. At our convenient locations, individuals have access to wealth management, investment 8 and private banking services to help maximize your earnings.

Plus, our insurance services offer both protection for you and employee benefits for your workers.

CENTRAL INVESTMENT CENTER, INC. A WHOLLY OWNED SUBSIDIARY OF CENTRAL BANK & TRUST CO.8, 9 At Central Investment Center (CIC), our professional Raymond James advisors can help by customizing a plan suited to you.

We place a high priority on our client relationships, and we look to deepen and enrich these relationships through honesty, professional advice and personal service.

Services made available include: • Retirement and estate planning • Education savings • Retirement income planning • Asset-allocation strategies • Stock recommendations and portfolio reviews • Mutual funds • Fixed-income securities

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– CBIA Inc., dba Central Insurance Services, is a wholly owned subsidiary of Central Bank & Trust Co.

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– Investments, Insurance Products and Securities:

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– Investment advisory services are offered through Raymond James Financial Services Advisors, Inc.

NOT FDIC Insured

NOT Guaranteed by the Bank

MAY Lose Value

NOT Insured by any Federal Government Agency

NOT a Deposit

Subject to Risk

Securities are offered through Raymond James Financial Services, Inc., member FINRA/SIPC, and are not insured by the FDIC or any other bank insurance or government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risk, including the possible loss of principal. Central Investment Center, Inc., Central Insurance Services and Central Bank & Trust Co. are not registered broker/dealers and are independent of Raymond James Financial Services.

Central Bank & Trust Co., 300 West Vine Street, Lexington, KY 40507-1360.

(859) 253-6435

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CENTRAL BANCSHARES LOCATIONS Central Bank & Trust Co. GEORGETOWN

SIR BARTON, HAMBURG

MADISON COUNTY

(502) 570-2265

(859) 253-8760

BEREA

100 W. Main Street

2443 Sir Barton Way

(859) 986-0357

(502) 570-2281

Suite 175

Sat. 410 Connector Road LEXINGTON

MAIN OFFICE

Sat. 101 Brenwood Street

FOR MORE INFORMATION Client Services For account information or for problem resolution,

SOUTHLAND

RICHMOND

call (859) 253-6359

(859) 253-6053

(859) 625-6500

or (800) 637-6884

Sat. 256 Southland Drive

Sat. 350 W. Main Street

8 a.m. to 6 p.m. Mon. through Fri. 9 a.m. to 1 p.m. Sat.

(859) 253-6222

TATES CREEK CENTRE

NICHOLASVILLE

300 W. Vine Street

(859) 253-6387

(859) 885-2282

Visa® Debit or Credit Card

301 N. Main Street

For account inquiries or to report

(859) 881-6950

a lost or stolen card,

(ATM available in lobby

Sat. 4090 Tates Creek Centre Drive

and drive-thru)

TATES CREEK ROAD

ANDOVER

(859) 253-6113

(859) 253-6127

3270 Tates Creek Road

Sat. 3101 Maple Leaf Drive

Sat. 1471 Keene Road NORTHERN KENTUCKY

VERSAILLES ROAD

CRESTVIEW HILLS

EASTLAND

(859) 253-6093

(859) 905-5580

(859) 253-6063

2347 Versailles Road

2850 Turkeyfoot Road

LOUISVILLE

FLORENCE

649 E. New Circle Road

NICHOLASVILLE ROAD

HURSTBOURNE PLACE

(859) 253-6073

(502) 499-5600

100 E. Reynolds Road

NORTH PARK (859) 253-6104 Sat. 515 New Circle Road, NW

PALOMAR CENTRE (859) 253-6177 Sat. 3700 Palomar Centre Drive

RICHMOND ROAD (859) 253-6083

OUTER LOOP

(859) 905-5590

(502) 493-2367 Sat. 4630 Taylorsville Road

Sat. 2233 Richmond Road

Sat. 2075 Dixie Highway

UNION (859) 905-5570 Sat. 9021 U.S. Highway 42 WINCHESTER (859) 744-3972

WATERFRONT PLAZA

43 N. Maple Street

(502) 456-3838

(859) 745-7629

321 W. Main Street

CentralNET Online Banking (859) 253-6359

(859) 253-6359

FT. MITCHELL

TAYLORSVILLE ROAD

call (859) 253-6359.

CentralMOBILE

Suite 100

Sat. Suite 120

To report a lost or stolen ATM card,

7310 Turfway Road

9300 Shelbyville Road

3541 Outer Loop

ATM Card

(859) 647-0222 Suite 110

(502) 456-3820

call (859) 253-6359.

Sat. 1110 Pioneer Drive

Central Insurance Services (859) 253-6283 Central Investment Center (859) 253-6435 Wealth Management (859) 253-6246 Commercial Lending (859) 253-6040 Cash Management (859) 253-6368 Merchant Services (859) 253-6288

FREE-STANDING ATM LOCATIONS

BAPTIST HEALTH HOSPITAL

UK AB CHANDLER HOSPITAL LOBBY*

1740 S. Limestone, Lexington

800 Rose Street, Lexington

SAINT JOSEPH HOSPITAL

KROGER FIELD*

One Saint Joseph Drive, Lexington

1540 University Drive, Lexington

CENTRAL BANK CENTER*

UK HOSPITAL*

410 W. Vine Street, Lexington

Pavilion A

NORTHERN KENTUCKY CONVENTION CENTER* 1 W. Rivercenter Boulevard, Covington

1000 S. Limestone, Lexington

RUPP ARENA* 430 W. Vine Street, Lexington

NEWPORT ON THE LEVEE* 116 E. 3rd Street, Newport

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RESIDENCE INN BY MARRIOTT CITY CENTER* 150 W. Main Street, Lexington

MARRIOTT CITY CENTER* 121 W. Main Street, Lexington *Cash machine only

BANKING CENTER HOURS Lobbies are open Mon. through Thurs. from 9 a.m. to 4 p.m. and Fri. from 9 a.m. to 6 p.m.

Our drive-thrus are open 8 a.m. to 6 p.m. Mon. through Fri. Sat. Sat. hours are 9 a.m. to 1 p.m., as indicated.

Hours may vary by location and products. Please call for details or visit centralbank.com for hours and locations.

Products subject to change without notice.

Products may vary by location and are subject to change without notice.

centralbank.com (859) 253-6359 (800) 637-6884

Revised 9/2020.

Central Bank & Trust Co. is a wholly owned subsidiary of Central Bancshares, Inc.

Member FDIC