Franklin Bank & Trust values the health & well-being of our customers, employees, and communities. Because of those values we have made the decision to limit lobby access until further notice. We will be available to open new accounts, make loans, and access lock boxes al all locations BY APPOINTMENT ONLY during this time.
Drive-thru hours at all five of our locations in Franklin & Bowling Green are Monday-Thursday 8:30am-4:00pm and Friday 8:30am-5:00pm effective Monday, November 23rd, 2020 until further notice.
All ATMs will remain fully operational and Night Depositories will remain open.
In addition to our drive-thru we encourage all customers to utilize our Internet Banking products and our Mobile App. If you are not currently enrolled in Internet Banking with us and would like to please call our E-banking Department at 270-586-3084 or visit our website at www.fbtco.com and click "Enroll" in the Online Banking box.
We understand the concern & uncertainty you may be experiencing surrounding COVID-19 but please know that we greatly value your relationship with FBT. If you have any questions or concerns please do not hesitate to call us at 270-586-7121
Follow us on Facebook @FBTCO for the most up to date information.
Alex Downing, President
Franklin Bank & Trust Company
Person holding phone
Online Banking and Bill Pay
Free online banking and bill pay service is as good as a brick-and-mortar branch, just a few clicks from wherever you are. Check your balances from the bedroom or the boardroom. Or make secure online payments as you make the most of your day at home!
Now offering Same-Day Bill Pay which provides you the capability to schedule certain electronic payments to be delivered on the same business day as scheduled, for a transaction fee of $9.95.
Free 24/7 online access
Check checking, savings, and CD balances
Access your e-Statements, archived up to 18 months
View check images, withdrawal and deposit slips
See account transaction history for up to 90 days
Transfer money between your Franklin Bank accounts
Pay down Franklin Bank loans
Make secure one-time or recurring bill payments
Schedule future bill payments
Create custom reminders and alerts
Plus, online banking and bill pay is secure and easy-to- use!
Go further with your money, when your finances are literally always at your fingertips. Mobile banking puts your Franklin Bank & Trust accounts in your pocket. So you can enjoy your favorite online banking & bill pay features on-the-move! Check balances, view recent transactions, make secure payments, and more — all from the convenience of your smartphone or mobile device.
Free 24/7 account access, on-the-move
Check checking, savings, and CD balances
View recent transaction history
Transfer funds between your Franklin Bank accounts
Make secure bill payments
Set custom reminders and alerts
Secure and easy-to-use
Plus, it’s streamlined for your mobile device!
Mobile Deposit Capture
Now, banking on the go is even easier – deposit checks for free, from anywhere, with your smartphone or mobile device. Simply endorse your check, take a photo of it on both sides, and submit it!
Free, 24/7 check depositing on the go
Works with our free mobile banking service
Deposit checks with your smartphone or mobile device: endorse your check by writing “For Mobile Deposit Only Franklin Bank & Trust Company” on the back
Submit it via mobile banking
Save time and trips to the branch
Switch to easy-to-read e-Statements — the simple, electronic alternative to traditional statements by mail. Not only do e-Statements give you the very same information as paper statements each statement cycle, there’s no mess or clutter.
Free with any Franklin Bank account
24/7 online statement access
Instant notification as soon as your statement is available
Completely paperless, no clutter or mess
More secure than statements by mail
Accessible through online banking
Plus, save a tree when you make the switch!
Secure and easy-to-use
Visa® Check Card
Carry your entire available account balance with you on an easy plastic card. A Visa® check card is as easy-to-swipe as a credit card at checkout, but works like a check — instantly deducting funds from your Franklin Bank account.
Make PIN- or signature-based purchases
Funds deducted automatically from your account
Accepted worldwide, whether online or at the register
Easier than carrying cash
Quicker than writing a check
Withdraw cash at the ATM
Plus, earn refunds on ATM fees with a free My Hometown Cash!*
Replacement card fee is $6, after initial card
We offer gift cards for all occasions. For details, contact a Customer Relationship Officer at any of our locations!
Cards can be purchased in denominations from $10.00 to $1000.00
Cards may be purchased for a minimal fee
Gift cards cannot be returned; all sales are final
With our mobile wallet options, you'll be able to use Apple Pay, Android Pay, and Samsung Pay to quickly and easily use your mobile device to make payments!
We offer a notary service to our customers at no charge, and $25.00 for non-customers.
Safe Deposit Boxes
All Franklin Bank & Trust Company’s locations offer a broad range of sizes of boxes at various annual rental fees to accommodate customer demand. Contact a Customer Relationship Officer for pricing and available sizes.
An agreement is signed by each renter(s) at the time the box is rented
The contract year is from February to the following February
Access is monitored closely by bank personnel allowing only authorized parties to enter the safekeeping facility
An incoming wire for an account holder is available at no charge.
The customer charge for a domestic outgoing wire from a depositor is $25.00
The customer charge for a foreign outgoing wire transfer is $50.00
Incoming International wires required a SWIFT code incur a $20.00 fee
Online Cash Management
Simplify your payables and receivables with our online cash management suite, through one easy-to-use dashboard. Online cash management includes all your basic online banking & bill pay features, plus enhanced functionality to fit your business needs.
Streamline complex finances through an easy online dashboard
Set up payroll direct deposit
Initiate ACH credits and debits
Send and receive wire transfers
Customizable access controls for multiple users
Reduce your administrative burden
Save paperwork and postage costs
Plus, basic online banking and bill pay features are included at no extra cost!
Scan a check electronically in seconds. Simple. Then deposit cash directly into your business account, with a faster availability of funds. Simple. Remote deposit puts your check where you can spend it in less time — and puts more time back in your workday!
Deposit checks electronically into your business accounts
Save time on trips to the bank
Faster availability of funds
Consolidate checks from multiple locations
No deposit slips necessary
Secure check-scanning equipment
Plus, our scanners are reliable and easy-to-use!
Merchant Card Service
Get paid for your all your hard work — no matter whether customers are carrying cash. We partner with BancCard to let you process all major credit cards, plus check cards and gift cards. So you don’t have to turn away would-be buyers at checkout.
Close more sales when you accept more payment methods
Process all major credit cards
Process all check cards and gift cards
Electronic check services also available
Competitively low rates
Secure and reliable equipment
Wireless terminal options
Plus, professional service should you need any assistance!
Stop worrying about fraudulent activity. Catch scammers before money leaves your account. Positive Pay compares recent transactions to checks that have been issued in the past to find inconsistencies. Should fraud occur, Positive Pay helps you recoup your funds quickly and without hassle.
Automatically compares checks presented for payment to those in your check issued file
Sends alerts when a mismatch occurs
Decide whether or not you want to approve the payment