Personal Accounts

Online Banking

Text Phishing Schemes

Town & Country Bank and Trust Co. (TCBT) had received reports of possible text phishing schemes this week. The message has reported said “Wilson & Muir Bank Urgent: Your card has been suspended! To reinstate your card go to your personal link (then gave link).” This is a phishing scam to see if customers and non-customers will respond back with their account information. Please do not give out any account information via text, email or by phone. Wilson & Muir has been made aware of this issue.

Phone Phishing Schemes

Town & Country Bank and Trust Co. (TCBT) had received reports of possible phone phishing schemes in the past few weeks. Some TCBT customers, as well as non-customers, received a phone call with an automated message stating that their debit card has been compromised. The victim is then prompted to enter the card number, expiration date, PIN, and security code in order to validate the card. Some customers received a similar call with an automated message prompting the victim enter his or her online banking information.

Please be advised that these calls are not coming from Town & Country Bank and Trust Co. If you have received such a call and have entered any of your card or online banking information requested during this fraudulent call, please contact us immediately so we can take proper action to protect your account. You can reach us during regular business hours at (502) 348-3911 or 1-877-813-3282.

After hours, please call 1-800-500-1044 to cancel your debit card.

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

Personal Accounts

MASTERCARD DEBIT CARD, FREE INTERNET BANKING WITH BILL PAY, AND ON-LINE E-STATEMENTS AVAILABLE ON ALL CHECKING ACCOUNTS

Basic Checking

Minimum balance to open...............................................

$100.00

Minimum balance requirement........................................

None

Monthly service charge...................................................

None

Traditional paper statement fee...................................

$ 2.00

Traditional paper statement fee waived for seniors 55+ and those
who choose electronic statements. To avoid this charge, sign up for
Online Banking and enroll to receive e-statements.

Interest Earning Checking

Minimum balance to open.................................................

$1,000.00

Monthly service charge.....................................................

$ 10.00

Balance required to avoid service charge.........................

$1,000.00

Traditional statement fee.................................................

None

Club Account

Minimum balance to open................................................

$100.00

Monthly service charge....................................................

$ 6.95

Minimum balance required...............................................

None

Traditional statement fee.................................................

None

      Benefits:
          - Accidental Death & Dismemberment Insurance
          - Identity IQ
          - Identity Theft 911
          - Shopping, Travel, & Entertainment Discounts
          - Eyewear & Eyecare Discounts
          - Lifesteps Software

Savings Account

Minimum balance to open..............................................

$ 50.00

Monthly service charge..................................................

None

Per-withdrawal charge (each, over 6 per qtr)...............

$ 2.00

Traditional statement fee...............................................

None

Money Market

Minimum balance to open..................................................

$2,000.00

Monthly service charge.....................................................

$ 10.00

Minimum balance to avoid service charge..........................

$2,000.00

Per-withdrawal charge (each, over 6 per month)..............

$ 5.00

Traditional statement fee...................................................

None