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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.

We start with you.

Highly Personalized Banking from Central Bank

From personal attention to banking services designed around your life and goals, Central Bank offers you individual guidance and a connection to the resources that allow us to serve you more effectively, more completely. To us, you’re not a customer – you’re a friend, a neighbor, a business partner down the street and part of our community. And we will always put you first.

Day-to-Day Money Management

At Central Bank, our personal bankers have always taken your business personally. That’s why we offer you a wide range of personal and business banking services designed to help you reach your financial goals while fitting each stage of your financial life. And because making your life easier is important to us, we offer the convenience of robust online and mobile banking options for personal and business customers, including CentralMOBILE with mobile deposit and debit card management, Commercial and Business Online Banking with remote deposit and more.

Personal Checking Accounts

Loans & Borrowing1

Here, you’ll have more than a wealth of lending options. You’ll have access to decision makers located right here in town. Whether you’re looking for a mortgage, credit card, business loan or something else, our tradition of local decision making means you’ll receive timely advice and quick decisions when – and where – you need them.

Loans & Borrowing

We thrive with you.

Wealth Management2

At Central Bank, our goal is to help you reach yours. That’s exactly what we do through our Wealth Management Group. Our services include investment management, private banking, trust and estate planning, retirement accounts and more. Our dedicated team operates on one simple principle: We are successful when you are.

Wealth Management

Central Insurance Services2

Central Insurance Services2 provides objective, individualized advice backed by some of the largest insurance companies in America. Our experienced team of insurance experts offers you options related to both your personal and business needs, including health, home, auto, life and commercial/business insurance as well as employee benefits packages and more.

Central Insurance Services

We live, work, and dream with you.

Our Locations

Central Bank. Member FDIC

1Loans subject to credit approval. Equal Housing Lender.

2Wealth Management Services are provided by Central Bank & Trust Co. CBIA, Inc., dba Central Insurance Services (CIS), is a wholly-owned subsidiary of Central Bank & Trust Co. Insurance products, investment products and securities are:

  • NOT FDIC Insured
  • NOT Guaranteed by the Bank
  • MAY Lose Value
  • NOT Insured by any Federal Government Agency
  • NOT a Deposit
  • Subject to Risk