Community Banking Since 1895

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 customers, strengthen communities, and contribute to the overall success of Monticello Bankshares, Inc.

The 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, the bank offers credit cards, including the VISA Business card, ATM cards, and our own VISA CheckCard for debit and ATM transactions.

The bank offers a wide range of loan products Consumer loan products include residential mortgage, construction, home equity and second mortgage home loans; automobile and recreational vehicle loans; personal lines of credit an unsecured loans; and loans for many other purposes including financing for luxury houseboats. Houseboat loans currently comprise a significant portion of the bank's loan portfolio and help support the local houseboat manufacturing industry.

The Monticello Banking Company is able to meet the credit needs of local business 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.

* The Monticello Banking Company, a state-chartered commercial bank, 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.

Our Mission

• Be the premiere financial institution in the communities we serve.

• Create and deliver quality financial products and services that represent superior value to our customers.

• Provide a stimulating and challenging work environment that encourages, develops and rewards excellence.

• Be honest, fair and maintain confidentiality in all transactions and relationships.

• Be a good community citizen.

• By focusing on the above, achieve consistent superior financial performance that creates value and pride for our shareholders.