Monticello Banking Company is a state-chartered commercial bank that has been in business since 1895. The bank’s main office in Monticello, Kentucky remains in the original downtown location and has operated under the same name for over 100 years. We currently have sixteen offices located in eight counties throughout Southern Kentucky.
Community Banking is the core of our business and retail banking service offerings. Our community bankers build and sustain business relationships that bring value to our customers, strengthen communities, and contribute to the overall success of Monticello Bankshares, Inc.
Monticello Banking Company offers a full range of deposit and loan products available to both business and individual customers. Deposit options range from traditional checking and savings accounts to Premium Money Market Accounts and certificates of deposit. Additionally, we offer a variety of electronic banking services such as online banking, debit cards and credit cards. We also offer business oriented electronic banking services such as Cash Management and Merchant Capture.
Our consumer loan products include residential mortgage, construction, home equity and second mortgage home loans. We also offer automobile, recreational vehicle, personal lines of credit, and unsecured loans. We specialize in financing for luxury houseboats, pontoons, runabouts, fishing boats, etc. With most of our markets being in the Lake Cumberland and Dale Hollow areas, houseboat loans currently comprise a significant portion of the bank’s loan portfolio. Financing watercrafts is one of many ways we support our local economies.
Monticello Banking Company is able to meet the credit needs of local businesses through lines of credit, term loans, mortgage loans, construction loans, and letters of credit. Tax-exempt credit facilities are also made available for local government projects including utility infrastructure and industrial recruitment.
For additional information about Monticello Banking Company feel free to visit the links on the side of the page. Here you will learn about our history as well as corporate information.