Overdraft Election Form

Online Banking

Important information: click here to learn more about recent changes to the login process for online banking!

for iPhone & Android

Start banking wherever you are with TCBT Mobile for iPhone & Android! Available to all Town & Country Bank & Trust Mobile Banking* users, TCBT Mobile allows you to check balances, make transfers, and find locations.Click the links below to download!

iPhone App ♦ Android App

*Mobile App requires enrollment in Mobile Banking services.

Overdraft Regulations

Federal regulations require that we deny your ATM and everyday debit transactions when there are insufficient funds in your account unless you authorize us to approve them. ACT NOW to avoid the inconvenience of having these transactions rejected. Click on the link below for more information and to decide how you would like these transactions handled. Tell us your preference today

Protecting Your Information

Phishers Impersonate NACHA: NACHA, the Electronic Payments Association, has posted an alert about a targeted phishing scam that appears to be hitting up recipients for ACH transaction details.

NACHA declined to elaborate on the scheme, but according to the organization's website posting, the fraudulent e-mails often vary in content and appear to be transmitted from e-mail addresses associated with the NACHA domain, @nacha.org. Some of the e-mails have also contained the names of fictitious NACHA employees and/or departments.

"NACHA itself does not process nor touch the ACH transactions that flow to and from organizations and financial institutions," the posting reads. "NACHA does not send communications to persons or organizations about individual ACH transactions that they originate or receive."

NACHA's post goes on to note that phishing attacks are often launched as a way to hijack personal information or route users to pages that host malicious code or software.

Please contact our Customer Resource Center at (502) 348-3911 or toll free 1-877-813-3282 or via email tcbt@mytcbt.com if you have any questions or need to report an incident.

Overdraft Election Form

Recent regulatory changes now require you to opt in to continue receiving overdraft service for ATM and debit card transactions. As you know, overdraft service may protect your account when you don’t have enough funds in it to cover a transaction.

Please note that you do not need to opt in to continue receiving overdraft service for checks or share drafts, and ACH withdrawals to be approved.

If you want us to continue to pay overdrafts on ATM and Debit Card transactions, simply click "Opt in" below and then submit this form. You always retain the right to opt out of overdraft service as well by clicking “Opt out” below.

Under our standard overdraft practices we will charge you a fee of $29.00 each time we pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your account.

Account Holder Information