Phone: 270-586-7121

Person holding phone

Services

Personal

ServicesSummary

Services


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.

Summary


  • 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!

Services


Mobile Banking

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.

Summary


  • 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!

Services


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!

Summary


  • 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
  • Receive confirmation
  • Save time and trips to the branch

Services


E-Statements

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.

Summary


  • 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

Services


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.

Summary


  • 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

Services


Gift Cards

We offer gift cards for all occasions. For details, contact a Customer Relationship Officer at any of our locations!

Summary


  • 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

Services


Mobile Wallet

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!

Services


Notary Services

We offer a notary service to our customers at no charge, and $25.00 for non-customers.

Summary


  • N/A

Services


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.

Summary


  • 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

Services


Wire Transfer

An incoming wire for an account holder is available at no charge.

Summary


  • 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

Business

ServicesSummary

Services


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.

Summary


  • 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!

Services


Remote Deposit

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!

Summary


  • 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!

Services


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.

Summary


  • 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!

Services


Positive Pay

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.

Summary


  • 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
  • Timely return of money should fraud occur
  • Can be applied to both check and ACH transactions
  • Safeguard your money by signing up today