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On Sept. 2, 2014, Home Depot alerted MasterCard®, Visa®, and law enforcement of a possible data breach. At this time, details of the extent of lost data have not been released to us. We have also not yet received any alert notifications from Visa or MasterCard on this event. Based on our experience with the Target breach, we encourage customers to remember to monitor your online account and monthly statement for unusual activity. If you identify any unusual activity, contact your branch immediately.
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


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




Click here for a Printable version of the Overdraft Election Form

Please feel free to contact us at 502-348-3911 or complete the form printable form link above and drop it off at your banking center or mail it to PO Box 305, Bardstown, KY 40004.

Town & Country Bank and Trust Co.
Member FDIC. Equal Housing Lender
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