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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.

Loan Payment System Options

We have several convenient options for you to pay both consumer and commercial loans, including Central Bank's Online Payment System. Please note online credit card and equity line payments must be made using CardManager or CentreSuite as detailed in the Credit Card and Equity Line Payments section.

Registered Online Payments User

Register to use our online payments system and make payments for free via ACH using a bank account and routing number.

Register or Log In

Guest Access for Payments

Even if you're registered in the system, you can always pay as guest. Guest payments can be made using a debit card or via ACH using a bank account and routing number. Please note there is a $1.00 fee for guest payments.

Make a Guest Payment

Phone Payments

Make a payment by phone with a Central Banker for a $5.00 fee during regular business hours.

Call 859-253-6222

Additional Payment Options for Customers With a Central Bank Checking or Savings Account

CentralNET Online Banking & CentralMOBILE

Current Central Bank deposit account customers can use CentralNET Online Banking or CentralMOBILE to make transfers directly from their checking or savings account to their Central Bank loan. With these tools, you'll also enjoy the other features and benefits of our digital banking services.

Login or Enroll

Business & Commercial Online Banking

Central Bank customers using Business Online Banking or Commercial Online Banking can make transfers directly from their business checking or savings account to their Central Bank loan. Interested in signing up for Business or Commercial Online Banking? Learn more.


The Central Connection

If you prefer assistance over the phone, try using the Central Connection, Central Bank’s 24/7 phone banking service. Simply call our toll-free number, 866-457-CBKY to make transfers from your Central Bank deposit account to your Central Bank loan. Please note, the first time you use the service you will be asked for your Social Security number or tax ID to establish a 4-digit pin, and each time you access the Central Connection you will use your Social Security number and the 4-digit pin to access your account. 

Call the Central Connection

In-Person and Mail Payments

Of course, all loan payments can be made by mail or in-person at one of our locations.

Mailing Address for Loan Payments:

Central Bank & Trust Co.
P.O. Box 1330
Lexington, KY 40588-1330

Find a Location