Founded in 1925, Bank of Edmonson County has continued a family tradition of hometown banking where our customers are our first priority. Get to know us better by clicking the tabs above.
The primary mission of Bank of Edmonson County is to continue as an independent community bank meeting the financial needs of Edmonson and surrounding counties.
It is our goal to provide an adequate return to our shareholders, security for our employees and superior financial services and products to our customers.
Corporate Values Statement
In keeping with the Bank’s mission:
- We will provide superior customer service.
- We will generate attractive growth and earnings for our shareholders.
- We will provide adequate compensation, training and retirement benefits for our employees.
- We will continue to research and provide new products and services to meet the ongoing needs of our customers and banking communities by striving to continue to be a market leader with technological changes.
- Our primary lending focus will be on residential and small commercial real estate lending. Our secondary focus will be retail and small to medium business interests in our established market area.
Bank of Edmonson County was established on October 5, 1925. On that day the dreams of five men came to life as the doors of the bank were opened and the people of Edmonson County were given a choice of where they conducted their banking.
The planning of founders Jesse T. Alexander, his brothers Luther F. Alexander and David W. Alexander, George W. Woodcock and N.E. (Ed) Vincent had paid off. Since that day Bank of Edmonson County has grown from a $15,000 entity to an over $200,000,000 enterprise. This has been accomplished by following the plan of its original founders and board of directors as well as the hard work and dedication of the generations that have followed them in leadership roles. Throughout Bank of Edmonson County’s over 85 years in business, the leadership of the bank has cultivated such levels of respect and confidence from their fellow citizens that the founders dream of organizing the “new bank” in Edmonson County has become a prospering reality.
Although a young institution at the beginning of “The Great Depression,” the bank pressed onward and the doors of the bank stayed open throughout the crisis. In 1933, it became a member of the Federal Deposit Insurance Corporation. Bank of Edmonson County reached the status of a $1,000,000 bank in 1954, and grew another $1,000,000 over the next ten years. By June of 1971, Bank of Edmonson County had moved into its current facility on the south side of Brownsville’s public square. The new building welcomed new levels of success as well, for within six years the bank had reached the $10,000,000 mark in assets. Throughout the remainder of the 1970s and through the 1980s, economic prosperity and rapid growth pushed the bank past $50,000,000 in total assets.
In 1989, Bank of Edmonson County completed its first expansion to the current building, which added five offices to one wing of the bank. As the successful decade of the 1990s drew to a close and a new millennium began, the bank had grown from a $54,000,000 bank in 1990 to a $124,000,000 operation. As before, with growth came the realization that additional space was necessary. In 2001, Bank of Edmonson County finished its second expansion to the current facility. This time, it added eight new offices, a second conference room, handicapped-accessible restrooms on each floor, additional storage space, and an elevator.
In 2003, after much thought, Bank of Edmonson County announced plans to build its very first branch which would be located in Bowling Green. It was a decision that had been carefully studied by the board of directors and management and would prove to be a good fit into the Warren County market. The doors of the branch were opened on October 24, 2004 and it has seen steady growth since the first day of business. Bank of Edmonson County has also offered new, cutting edge technologies to our customers. These services include six convenient ATMs, a 24-hour automated 1-800 number, Internet Banking and Internet Bill Pay. In 2009, the bank completed construction of the new operations center on the northeast corner of the square in Brownsville to accommodate further growth that the new branch in Bowling Green and continued growth in Brownsville had brought about. It is a state of the art building with specific areas that are climate controlled and equipped with special fire monitoring and suppression systems to protect computer servers and other essential technological infrastructure.
In 2015, Bank of Edmonson County opened its second branch on Main Street in Smiths Grove. With the continued market expansion, the Bank expanded the technology suite of products to include mobile banking, remote deposit capture, and digital wallet capabilities.
Although Bank of Edmonson County has seen tremendous growth and plenty of trends come and go in the banking industry since the doors opened in 1925, we remain committed to the principles and values that our founders set forth. Bank of Edmonson County has given customers in our area a choice where they do their banking for over 85 years and we continue to believe that customer service is what sets Bank of Edmonson County apart from competitors throughout the region.
Stop by to visit us and you will see that at Bank of Edmonson County, you’re our first priority.
Electronic Services Agreement
This Agreement describes your rights and obligations as a user of the Online Banking service or the Bill Payment service (“Services”). It also describes the rights and obligations of Bank of Edmonson County. Please read this Agreement carefully. By requesting and using one of these Services, you agree to comply with the terms and conditions of this Agreement.
The following definitions apply in this Agreement. “Online Banking” is the Internet-based service providing access to your Bank of Edmonson County account(s); “Online Account” means any Bank of Edmonson County account from which you will be conducting transactions using a Service; and “Password” is the system-generated code sent to you by Bank of Edmonson County for use during the initial sign-on, or the codes you select after the initial sign-on, that establishes your connection to the Service. “Time of day” references are to Central Standard Time or Central Daylight Time, as applicable. “We,” “us” or Bank of Edmonson County refer to Bank of Edmonson County which offers the Services and which holds the accounts accessed by the Services.
Access to Services
Bank of Edmonson County will provide instructions on how to use the Online Banking service or Bill Payment service. You will gain access to your Online Accounts through the use of your Internet-enabled device, your Internet Service Provider, your Password and your Social Security number or your Tax ID number.
Use of your Security Password
You agree not to allow anyone to gain access to the Services or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions up to the limits allowed by applicable law.
If your Password has been lost or stolen IMMEDIATELY CHANGE YOUR PASSWORD. Then, because e-mail is not secure, please call Bank of Edmonson County at 1 (270) 597-2175, 8:00 a.m. to 5:00 p.m., Monday through Friday.
Telephoning Bank of Edmonson County is the best way of minimizing your losses. If you believe your Password has been lost or stolen and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50 if someone uses your Password without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Password, and we can prove we could have stopped someone from using your Password without your permission if you had told us, you could lose as much as $500.
If your statement shows transfers that you did not make
If your statement shows transfers that you did not make, because e-mail is not secure, please notify Bank of Edmonson County immediately by calling Bank of Edmonson County, 8:00 a.m. to 5:00 p.m., Monday through Friday at 1 (270) 597-2175 or writing Bank of Edmonson County at:Bank of Edmonson County
P.O. Box 99
Brownsville, KY 42210
If you do not notify Bank of Edmonson County within 60 days after the statement was available to you, you may not recover any money lost after the 60 days which would not have been lost if Bank of Edmonson County had been notified in time. If a good reason (such as a long trip or hospital stay) delayed you from contacting Bank of Edmonson County, Bank of Edmonson County will extend the time periods.
Banking Transactions with Online Banking
In addition to viewing account information, you may use Online Banking to conduct the following transactions:
- Transfer funds among your checking accounts, savings accounts and money market accounts. NOTE: Because regulations require Bank of Edmonson County to limit preauthorized transfers (including Online Banking transfers), the following limitations apply:
- Statement savings account. You can make no more than three transfers per statement period by preauthorized or automatic transfer or by telephone or Online Banking.
- Money Market savings account. You can make no more than three transfers per statement period by preauthorized or automatic transfer or by telephone or Online Banking and no more than three of these may be by check or draft.
- New services may be introduced for Online Banking from time to time. Bank of Edmonson County will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules which will be made available to you concerning these services.
Bill Payment Service
The Bill Payment service permits you to use your Internet-enabled device to direct payments from your designated online Bill Pay Account to third parties you wish to pay. Your Bill Pay Account must be a checking account. Through the Bill Payment service, you can pay bills from your Bill Pay Account to businesses or individuals.
All payments you make will be deducted from the account that you designate as your Bill Pay Account for the Bill Payment service. Any payments you wish to make through this service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.
Funds must be available in your Bill Pay Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday or holiday), funds must be available in your Bill Pay Account the following business day (e.g., Monday). After funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.
You may choose to schedule payments to recur in the same amount at regular weekly, monthly or semi-monthly intervals. When you create a new payee in the Bill Payment service, it has a temporary status until we have had sufficient time to set up the account, and for your business payees, verify information about your account. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee.
For all subsequent payments, you agree to allow at least five (5) business days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If you schedule your payment and follow all instructions provided, but the payment is not received by the payee in a timely manner, Bank of Edmonson County will work with the payee on your behalf to attempt to have any late fees or charges reversed.
Bank of Edmonson County is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. Bank of Edmonson County will not be liable in any way for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee’s address or account number unless you have advised us of the change sufficiently in advance, for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of Bank of Edmonson County.
If the session during which you schedule a payment or transfer ends by 3:00 p.m. Central Time, Bank of Edmonson County will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the service, the time recorded by the Online Banking service controls.
If your Bill Pay Account does not have sufficient funds to make a payment as of the date the transfer or payment is attempted or scheduled to be made, the transfer or payment will be canceled and no further attempt will be made by Bank of Edmonson County to make the transfer or payment. Bank of Edmonson County will attempt to notify you by e-mail or U.S. Postal Mail, but Bank of Edmonson County shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be canceled. Fixed payments scheduled for future dates will not be affected.
The way to cancel or change a payment is to use the Service. Payments must be changed or canceled using the Service prior to 3:00 p.m. on the business day the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we may charge you a stop payment fee.
If you send Bank of Edmonson County an electronic mail message, Bank of Edmonson County will be deemed to have received it on the following business day. Bank of Edmonson County will have a reasonable time to act on your e-mail.
You should not rely on electronic mail if you need to communicate with Bank of Edmonson County immediately – for example, if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur.
You agree that Bank of Edmonson County may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Bank of Edmonson County shall be considered received within three (3) days of the date sent by Bank of Edmonson County, regardless of whether or not you sign on to the Service within that time frame.
By applying for Bank of Edmonson County’s Online Banking service, you agree to accept your account statement via the Online Banking Service. You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.
In addition to this Agreement, you and Bank of Edmonson County agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the Online Banking service or the Bill Payment service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts at Bank of Edmonson County including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule at the end of this Agreement. We will automatically deduct the fees related to this Service from your Bill Pay Account each month.
Hours of Operation
The Services are available 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, Bank of Edmonson County’s business days are Monday through Friday, excluding holidays. All Online Banking transaction requests received after 3:00 p.m. on business days and all transactions which are requested on Saturdays, Sundays or holidays on which Bank of Edmonson County chooses to remain closed, will be processed on the next Bank of Edmonson County business day. Bank of Edmonson County’s business day begins at 8:00 a.m.
Modifications to this Agreement
Bank of Edmonson County may modify the terms and conditions applicable to either Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have be deemed to have received it three days after it is sent. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.
Errors and questions
In case of errors or questions regarding an Online Banking or Bill Payment transaction, because e-mail is not secure, please call Bank of Edmonson County at 1 (270) 597-2175 or write us at:Bank of Edmonson County
P.O. Box 99
Brownsville, KY 42210
We must hear from you at the specified telephone number or address no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. We will need:
- Your name and account number (if any)
- A description of the error or the transfer in question and an explanation concerning why you believe it is an error or need more information
- The dollar amount of the suspected error and date on which it occurred.
If the report is made orally, we may require that you send the complaint or question in writing within 10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed.
If an alleged error involves an electronic fund transfer outside a state or territory or possession of the United States, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45).
If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation.
You agree that Bank of Edmonson County may respond to you by electronic mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Bank of Edmonson County shall be considered received within three (3) days of the date sent by Bank of Edmonson County, regardless of whether or not you sign on to the Service within that time frame.
Our liability for failure to make a transfer
If we do not properly complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for the amount of any losses or damages incurred by you and resulting directly from such failure. We will not be liable in the following instances:
- If through no fault of Bank of Edmonson County, you do not have enough money in your account to make the transfer.
- If circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevents the transfer, despite reasonable precautions that we have taken.
- If there is a hold on your account, or if access to your account is blocked, in accordance with banking policy.
- If your funds are subject to legal process or other encumbrance restricting the transfer.
- If your transfer authorization terminates by operation of law.
- If you believe someone has accessed your accounts without your permission and you fail to notify Bank of Edmonson County immediately.
- If you have not properly followed the scheduling instructions on how to make a transfer included in this Agreement.
- If we have received incomplete or inaccurate information from you or a third party involving the account or transfer.
- If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring or if you default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us, or if we or you terminate this Agreement.
There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.
If any of the circumstances listed in subparagraph 2 or 8 above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.
Disclosure of information to third parties
We will disclose information to third parties about your account or the transfers you make:
- where it is necessary for completing transfers. Or,
- in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant. Or,
- in order to comply with government or court orders, or other reporting requirements. Or,
- if you give us your written permission. Or,
- to Bank of Edmonson County affiliated companies.
Information concerning your account history with Bank of Edmonson County will be shared within the Bank of Edmonson County organization. Other information, including information you have given us as part of an application for one of our products or services, or information we have received from a credit bureau or other third party, also may be shared among affiliated companies within the Bank of Edmonson County organization. You may direct that information other than your Bank of Edmonson County account history not be shared with Bank of Edmonson County affiliates by e-mailing us or calling us at 1 (270) 597-2175.
You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your electronic banking privileges (including the Bill Payment service) under this Agreement without notice to you if you do not pay any fee required by this Agreement when due or if you do not comply with the agreement governing your deposit or loan accounts or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.
If you are not paying a monthly service charge for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 90 day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.
To cancel the Online Banking and/or Bill Payment service, you must notify Bank of Edmonson County and provide your name; address; whether you are discontinuing Online Banking, Bill Payment or both; and the effective date to stop the service. When Bill Payment is terminated, any prescheduled bill payments made through Online Banking will also be terminated. You may notify Bank of Edmonson County by one of the following methods:
- By calling 1 (270) 597-2175, 8:00 a.m. to 5:00 p.m., Monday through Friday
- By writing a letter and either sending it to the following address or giving it to a Personal Banker at any Bank of Edmonson County location:
Bank of Edmonson County
P.O. Box 99
Brownsville, KY 42210
This Agreement is governed by the laws of the State of Kentucky and applicable federal law.