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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 use hang up and contact us at the number on the back of your credit or debit card or dial (859) 253-6359.

Welcome to the Central Bancshares family. Our company includes Central Bank & Trust Co., along with Central Insurance Services and Central Investment Center.

We pledge to provide every customer with the best personal banking service available in Kentucky.

  1. You have the right to a personal banking service money-back guarantee. If you are not totally satisfied with your personal account relationship, we promise to refund any monthly or annual service fees paid for up to 90 days. The written money-back guarantee applies exclusively to all personal deposit accounts, Visa® accounts, and safe deposit boxes.

  2. You have the right to have any decision affecting your account made locally, by your relationship manager. We are Kentucky based and Kentucky owned, right here for our customers.

  3. You have the right to a prompt, personal response on all service issues. If you have a question, just call your relationship manager or Client Services. If they don't have an answer immediately, they'll find what you need and call you back. Call (859) 253-6359 or (800) 637-6884 or email

  4. You have the right to deal with a company that shares your values and is dedicated to promoting progress and prosperity in Kentucky.

  5. You have the right to privacy. We respect each customer's right to privacy and are dedicated to protecting your information. We sincerely appreciate your decision to use our banking services and have established a Privacy Policy as a guide for collection, use, retention and security of individual customer information.

  6. You have the right to full and complete service from experienced, knowledgeable relationship managers. Full service starts with today's needs, but with an eye clearly on the future. It means banking, insurance, retirement planning and wealth management services are all under one roof. And these services are provided by relationship managers who know you and will show you the way to a more rewarding financial future.

Putting our customers first - understanding customer needs and keeping the service personalized and flexible - is what built this Bank. We call it Central Service, and it's your right to expect it every time we have an opportunity to serve you.

Luther Deaton, Jr.

Chairman, President and Chief Executive Officer