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Treasury Management


With more protection and flexibility than ever before, our diverse Treasury Management programs give you the ultimate control you’ve been looking for. Countless options give you more for your money when you utilize our services. Kentucky Bank’s Treasury Management team will work closely with you to devise strategies to improve your cash flow processes. Our goal is for you to see your Treasury Management Officer as a vital strategic advisor with this collaborative approach.


Each day brings unique challenges. In today’s business world, it is more critical than ever to streamline your procedures to improve cash flow and maximize return on excess capital. At Kentucky Bank, we are dedicated to helping you turn technological advancements into strategic solutions. Let us show you how our efficient treasury solutions can assist in creating effective workflow processes that add value to your company’s bottom line. Our suite of treasury management solutions includes:

Business Online Banking

Looking for a more efficient way to manage the financial operations of your business? Our Business Online Banking service will help manage payables and receivables, access funds, and streamline reporting.


Business Online Bill Payment

Save time and money by paying any company or individual in the U.S. with Business Online Bill Payment. Secure, fast, and easy, it provides you with a convenient and safe way to organize your bill payments.


Business Online Wire Transfer

Wire transfers are the fastest, most convenient way for your business to move funds quickly and securely around the world.


Positive Pay

Positive Pay works to reduce your exposure to check and ACH fraud. With Positive Pay, you can notify us electronically of checks authorized for payment. Each night, we will compare checks presented for payment against your list of authorized checks and present any exceptions for your review.


Sweep Accounts

To manage cash flow more efficiently, use excess funds to “sweep” every night to reduce your line of credit balance, or “sweep” to a business savings account to earn interest until those funds are needed. 


Remote Deposit

Deposit checks for your business without leaving your home or office. Benefits include faster funds availability, reduced trips to the bank, and reduced time preparing deposits. It's secure and user friendly, and check images are available 24/7 for bookkeeping.


Automated Clearing House (ACH)

Reduce your administrative costs and save valuable employee time. Our ACH origination services let you make and receive payments automatically. Pay vendors and suppliers, schedule and manage payroll, make automatic debiting available to your customers, and more.


Business Credit Cards

Increase your money management capabilities and set spending controls for employees. You will receive detailed monthly bank statements for easy account reconciliation, expense reporting, and identification of tax deductions. No Annual Fee.


Merchant Processing

In today’s market, running a business means more options for you and your customers, especially when it comes to payment acceptance and added layers of security. Prepare your business for anything with Kentucky Bank’s Merchant Account Services.



Think of us as an extension of your business. Each member of our Treasury Management team is dedicated to helping you grow your business, whether you are already established or a young startup. Our combined knowledge, expertise, and experience will help streamline your procedures to improve cash flow and maximize return on excess capital.


Carol Norton joined Kentucky Bank in 1997, and for the past 13 years has proudly served our business clients by developing and advancing the Treasury Management Department. She earned her AAP certification in 2017 and was the recipient of the 2014 KY Bank President's Premier Customer Service Award.

Carol resides in Paris, where she enjoys attending sporting events and watching her four grandchildren play soccer, basketball, and baseball.

Contact Carol by email at or by phone at 859-988-1329.


Jason has been with Kentucky Bank as a Treasury Management Services Relationship Advisor and Merchant Processing specialist since 2015. Prior to his role with Kentucky Bank, Jason managed various call centers over a twenty-year period. Part of his call center career involved working on behalf of FISERV to service other financial institutions that subscribe to FISERV’s financial technology solutions.

Jason is a resident of Winchester and an alumnus of George Rogers Clark High School. In 2019, he completed KBA’s General Banking School, where he and his fellow Kentucky Bank classmates learned the business of managing a bank company.

Contact Jason by email at or by phone at 859-435-5767.


Judy Faulkner joined Kentucky Bank in August 2019 as a Treasury Management Operations Specialist. She holds a Bachelor of Science Degree from the University of the Cumberlands, with a double major in Business Administration and Data Processing Science. Judy brought 30+ years of previous banking experience with her to Kentucky Bank.

She is an active committee member of the Harrison County Relay for Life, having served in different positions for 20+ years. Judy is active with the Harrison County Band Alumni Group, planning reunions as well as co-administering the Robert Gregg Memorial Scholarship.

Contact Judy by email at or by phone at 859-988-1413.

We’re relentlessly focused on delivering Premier Customer Service while being a trusted treasury services provider to you and your business.


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