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Frequently Asked Questions

Frequently Asked Questions

Why is Kentucky Bank merging with another bank?

  • As a strong community bank, Kentucky Bank has a large customer base and is a very well run institution. Those factors made Kentucky Bank very attractive to the stockholders of Stock Yards Bank & Trust.
  • Considering the changing landscape in banking, we recognize that the greater size and scale of an organization like Stock Yards Bank & Trust allows us to continue at our best, but with the greater strength and stability of a much larger, but similarly customer-focused community bank.
  • The transaction provides Kentucky Bank and its customers with a prudent way forward in an increasingly competitive and highly regulated industry.
  • Additionally, it will allow us to strengthen and expand our product offerings to customers, including the addition of robust treasury management services, enhanced technology, wealth management & trust services, and provide increased convenience in the Louisville, Northern Kentucky, Cincinnati and Indianapolis areas.

Is my money safe?

  • Yes, it will continue to be safe. Stock Yards Bank & Trust is a safe bank and has achieved an excellent track record over the years.
  • All accounts will continue to be insured by the FDIC.
  • In instances where the combined deposit total exceeds the FDIC insurance limitation, customers will have a grace period to review and restructure their relationships.

What will change?

  • Although some things will change, many will stay the same.
  • The name of the bank will change from Kentucky Bank to Stock Yards Bank & Trust; the great people you work with in the branches will remain in place and the branch locations will not change.
  • Stock Yards Bank & Trust is a local, homegrown bank with a strong, independent tradition that dates back to 1904.
  • You will see expanded services, more locations and access to even greater convenience.

Will they close my branch?

  • Stock Yards Bank & Trust plans to maintain all of the existing Kentucky Bank locations.

What will happen to the employees?

  • Stock Yards Bank & Trust is currently reviewing all positions at Kentucky Bank and hopes to maximize the number of employees who will transition to Stock Yards Bank & Trust.

When will things change?

  • The transaction is expected to be completed in the second quarter of 2021 with conversion of the systems happening in August. Until then, the bank will continue to operate as Kentucky Bank.

Is Stock Yards Bank & Trust a local bank?

  • Stock Yards Bank & Trust has maintained longstanding relationships with the communities they serve.

Stock Yards Bank & Trust is a local, homegrown Kentucky bank with a strong, independent tradition that dates back to 1904.

  • Stock Yards Bank & Trust has maintained longstanding relationships with the community and is focused on serving the people and businesses in the communities where it has locations.

Will I deal with new people?

  • Since most Kentucky Bank employees will be retained, you will most often be dealing with the same people.
  • Once Kentucky Bank’s systems are converted in August, you may, for some interactions and inquiries that require help from the back office (i.e., call center, loan payoffs, lost/stolen debit card, etc.) talk with a new person as we will now be able to provide expanded services to our customers. Until conversion, you will work with the same great employees you work with today.

    Do I still transact the same way?

    • Until conversion in August, you will continue to transact as you do today. In August, systems will change as will some processes. Details for changes due to the conversion will be sent to customers in the summer and we will be here to help you if needed.

    What will happen to my recurring transactions?

    • Any recurring transactions should flow over to Stock Yards Bank & Trust with no need for you to take any action.

    Will my fees go up?

    • Information on Stock Yards Bank & Trust products and fees will be mailed to all customers prior to conversion. In the meantime, your account will remain the same.  We are always here to help you.

    Will I have to order new checks?

    • Not necessarily. Most customers will be able to continue to use their existing Kentucky Bank checks.  If a customer receives a new account number, Stock Yards Bank & Trust will provide new checks with a new account number at no cost.

    Will online banking change?

    • A conversion team consisting of both Kentucky Bank and Stock Yards Bank & Trust employees will be formed in early 2021 to address the logistics and specifics related to this process. The conversion to the Stock Yards Bank & Trust online banking system will take place in August, 2021.
    • Information regarding accessing online banking, password changes and bill pay will be mailed to all customers prior to conversion.

    Will I have to change my passwords?

    • Information regarding online banking, password changes and bill pay will be mailed to all customers prior to conversion.

    Will my account numbers change?

    • Most account numbers will remain the same. However, if your account number needs to be changed, you will be notified in advance and be provided with clear instructions and support.

    Will the bank's hours change?

    • We know that branch access is very important.  Branch hours will not change before conversion.  Post conversion, we are evaluating the potential opportunity to make minor modifications to the hours as follows:
      • Locations where the Drive-thru opens at 8:00am, modifying opening by 30 minutes to 8:30am.
      • Hamburg, Lexington location to modify closing 30 minutes earlier from Monday through Thursday (from 5:30 to 5:00pm), and modify closing on Saturdays by 1 hour (from 1pm to 12 noon)

    This will be based on further assessment of customer activity during these times.

    Will I get a new debit/ATM card?

    • A conversion team consisting of Kentucky Bank and Stock Yards Bank & Trust employees will be formed in early 2021 to address the logistics and specifics related to this process.  In addition to being able to use all Stock Yards Bank & Trust’s ATMs, there may also be some new capabilities available including contactless debit cards

    Will the bank still support the community?

    • Stock Yards Bank & Trust has always been a strong corporate citizen and has supported the communities in which it does business.  This will continue in Central Kentucky.

    Can I use Stock Yards Bank & Trust branches?

    • Kentucky Bank customers will continue to use their current branches until conversion of the systems in August. After the systems have been converted, all branches in the Louisville, Indianapolis, Northern Kentucky and Cincinnati markets will be available to all customers.
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