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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


       

 

 

Rate Chart

This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.

The rates below are the posted rates for Town & Country Bank and Trust Company for the certificates of deposits listed. Rates may vary among branches and may vary if amounts, terms or other conditions vary from those posted.

Account Product Name Minimum Opening
Deposit
Annual Percentage
Yield
 
91 Day Certificate of Deposita $1,000.00 0.05%  
182 Day Certificate of Deposita $1,000.00 0.05%  
12 Month Certificate of Deposita $1,000.00 0.05%  
24 Month Certificate of Deposita $1,000.00 0.25%  
36 Month Certificate of Deposita $1,000.00 0.50%  
48 Month Certificate of Deposita $1,000.00 0.60%  
60 Month Certificate of Deposita $1,000.00 0.65%  
       
IRA - 12 Month Certificate of Deposita $1,000.00 0.05%  
IRA - 24 Month Certificate of Deposita $1,000.00 0.25%  
IRA - 36 Month Certificate of Deposita $1,000.00 0.50%  
IRA - 48 Month Certificate of Deposita $1,000.00 0.60%  
IRA - 60 Month Certificate of Deposita $1,000.00 0.65%  
       
Account Product Name Minimum Opening
Deposit
Minimum
Balance to
Obtain APY
Annual
Percentage
Yield
Savings - Tiered Rateb $50.00    
Daily Balances of:      
up to $9,999.99   $0.00 0.05%
$10,000.00 and up   $10,000.00 0.10%
       
Interest Earning Account - Tiered Rateb $1,000.00    
Daily Balances of:      
up to $9,999.99   $0.00 0.05%
$10,000.00 and up   $10,000.00 0.05%
       
Business Interest Earning Account - Tiered Rateb $1,000.00    
Daily Balances of:      
up to $9,999.99   $0.00 0.05%
$10,000.00 and up   $10,000.00 0.05%
       
Money Marketb $2,000.00    
$2,000.00 - $24,999.99   $2,000.00 0.05%
$25,000.00 - $49,999.99   $25,000.00 0.15%
$50,000.00 - $99,999.99   $50,000.00 0.25%
$100,000.00 - $999,999.99   $100,000.00 0.25%
$1,000,000.00 and up   $1,000,000.00 0.25%
       
Health Savings Accountb $100.00    
Daily Balances of:      
up to $4,999.99   $0.00 0.75%
$5,000.00 - $14,999.99   $5,000.00 0.75%
$15,000.00 and up   $15,000.00 0.75%

a A penalty will be imposed for early withdrawal.
b The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of April 12, 2013. For the most current rate information call 502-348-3911.

 

 

 

 

Town & Country Bank and Trust Co.
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