Bank Of Lexington 1

Bank of Lexington

Personal Banking

Bank where you live with Bank of Lexington. We offer all the checking and savings accounts of “big banks” without the unnecessary hassle. Bank wherever and whenever you’d like thanks to our online services, and speak with your neighbors over the phone or in person at any of our three branch locations.

To read more, select an account type below.

Checking Accounts

Our Free Checking account is your perfect everyday checking account, complete with all the functionalities of online banking, mobile banking, debit cards and is non-interest bearing. This is a great, basic checking account to suit your everyday needs.

  • $100.00 minimum to open.
  • No monthly service charge.
  • No required minimum balance.
  • No direct deposit requirement.
  • Unlimited use of Bank of Lexington ATMs.
  • Unlimited use of SUM ATMs.
  • 24 free starter checks.

Fifty is Nifty with Bank of Lexington’s “50” Account.

Bank of Lexington offers a unique checking account that is available to anyone who is at least 50 years of age or older. The “50″ account earns interest on all funds on deposit, is free of monthly service fees, and has no minimum balance requirement.

Check out how “50” is more than a milestone at Bank of Lexington:

  • $100.00 minimum to open.
  • No monthly service charge.
  • No required minimum balance.
  • No direct deposit requirement.
  • Unlimited use of Bank of Lexington ATMs.
  • Unlimited use of SUM ATMs.
  • Tiered interest rates: $0 – $24,999.99; $25,000 – $49,999.99; $50,000 – up
  • Free basic checks on each order.
  • Free Cashier’s Checks (limit three per month).
  • Free one-year rental on Safe Keeping Storage Boxes when available.
  • Fees may reduce earnings.

Want a checking account with the added benefit of a competitive interest rate? Here it is, Bank of Lexington’s Plus Checking:

  • Minimum opening deposit and daily balance to earn interest is $2,500.
  • $10.00 monthly fee if daily balance falls below $2,500 at any time during statement cycle.
  • No direct deposit requirement.
  • Unlimited use of Bank of Lexington ATMs.
  • Unlimited use of SUM ATMs.
  • Unlimited check writing.
  • 24 free starter checks.
Plus………
  • Tiered interest rates: $2,500 – $24,999.99; $25,000 – $49,999.99; $50,000 – up
  • Up to $20 allowance on first check order.
  • Free Cashier’s Checks (limit three per month).
  • $30 discount for the first year rental on Safe Keeping Storage Boxes when available.
  • Fees may reduce earnings.

Other Accounts

Investing money in the stock market seems too risky nowadays, but with Bank of Lexington’s Money Market account, you can rest easier knowing your funds are in an FDIC-insured depository institution. Earn a better interest rate on your savings with easy access to your funds. Interest rates are tiered, the higher your balance the more you can earn. With the benefit of having access to the funds at any time, you are sure to be getting the best deal around town. So, instead of investing in the stock market, invest in BOL’s Money Market.

  • Minimum opening deposit and daily balance to earn interest is $2,500.
  • $10.00 monthly fee if daily balance falls below $2,500 at any time during statement cycle.
  • Tiered interest rate; $2,500 – $24,999.99; $25,000 – $49,999.99; $50,000 – $99,999.99; $100,000 – up.
  • Fees may reduce earnings.

Whether you need to put away money for a rainy day or you want to save up for your dream car, Bank of Lexington has the right account for you. With access to Online and Mobile Banking, saving can be easier than you think, so start saving today!

  • $100 minimum to open.
  • $5.00 quarterly fee if daily balance falls below $100 at any time during statement cycle.
  • Fees may reduce earnings.

It’s never too early to start planning for your retirement. Bank of Lexington can help you save for your future with our competitive interest rates and the ability to choose your own term.

  • $500 minimum to open.
  • Interest is compounded daily.
  • If you withdraw all or part of the principal in a CD before the specified maturity date, significant interest penalties are assessed. This early redemption fee is based on the original terms of deposit.
  • Fees may reduce earnings.

Earn more for your money with certificates of deposit (CD) at Bank of Lexington.

Bank of Lexington can help your assets work harder for you by locking in a competitive rate of interest with a certificate of deposit. We offer a variety of products that allow you to choose your term to fit your goals and maximize your return.

  • $500 minimum to open.
  • Interest is compounded daily and paid in one of the following ways:
    1. Added to the certificate of deposit,
    2. Mailed to you by check, or
    3. Paid to another Bank of Lexington deposit account.
  • If you withdraw all or part of the principal in a CD before the specified maturity date, significant interest penalties are assessed. This early redemption fee is based on the original terms of deposit.
  • Fees may reduce earnings.

Have you been dreaming of that perfect vacation – from the location, to the local dining and sightseeing? If so, let our Vacation Club account turn that dream into reality by helping you save money throughout the year. Then, you can really enjoy that dream trip – and maybe splurge a little too!

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT:
  • Bank of Lexington checking account required.
  • $100.00 minimum to open.
  • No monthly service charge.
  • Interest credited to account quarterly.
  • Between March 29 and April 15, you will receive a check for the account balance plus accrued interest.
  • Tiered interest rate; $0 -$9,999.99; $10,000- up.
  • Account must receive one Automated Clearing House (ACH) or Automatic Funds Transfer (AFT) per month.
  • If deposits are made by AFT, transfers will continue to be made until cancelled by you.
  • Accounts are limited to one per tax identification number.
  • Fees may reduce earnings.

Finally, the perfect account to help Santa with all of his shopping. Our Christmas Club account helps save money throughout the year, so you can really enjoy the holidays.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT:
  • Bank of Lexington checking account required.
  • $100.00 minimum to open.
  • No monthly service charge.
  • Interest credited to account quarterly.
  • Between Sept. 28 and Oct. 15, you will receive a check for the account balance plus accrued interest.
  • Tiered interest rate; $0 -$9,999.99; $10,000- up.
  • Account must receive one Automated Clearing House (ACH) or Automatic Funds Transfer (AFT) per month.
  • If deposits are made by AFT, transfers will continue to be made until cancelled by you.
  • Accounts are limited to one per tax identification number.
  • Fees may reduce earnings.

Banking Services

To download the mobile app, visit:

app

googleplay

With mobile banking, you have the convenience of viewing account balances and transaction history, transferring funds, and locating nearby branches or ATMs. You can also deposit checks and pay bills on the go! Whether you want to download the app, use our mobile web browser, or simply receive text notifications, we have a mobile banking product that fits your needs. Our new enhanced mobile banking product is fully integrated with our online banking product and uses one convenient set of credentials to log in to either service.

How to sign-up for eStatements:

To set up your account(s) to receive paperless statements, just follow these easy steps below:

  1. LOG IN to your online banking. If you have not already signed up for online banking, please contact your local branch.
  2. Select an Account
  3. Select Documents
  4. Click Sign Up/Changes
  5. Select accounts that you would like to Enroll.
  6. Click Save
  7. Read the disclosure and then check “I agree.”
  8. You will receive an Enrollment Confirmation email.
        It’s that easy!

If you should have any questions or problems during this process, please call one of our branches and we will be happy to assist you.

What are the benefits of using eStatements?
Safety & Security:
  • By going “paperless,” no one can intercept your mail to steal your account information by digging through your trash or recycling bin.
  • Our online banking process is designed with multiple layers of security with passwords.
Stay Organized:
  • Access all of your checking and savings account(s) statements in one place.
  • Statements will be sent in PDF format so you can download, print and save them at your convenience.
Less Clutter:
  • Eliminate one more piece of mail coming to your home.
  • Ditch the pile “to be filed” and start saving your statements on your home PC.

Each Bank of Lexington Personal Banking account comes with online banking, mobile banking, eStatements and bill pay. 

Bank of Lexington is proud to offer several products and services to our customers. Some of these services come with various fees. Please be sure to review the Consumer Account Fee Schedule below.

CONSUMER ACCOUNT FEE SCHEDULE

Consumer Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! No matter which card you choose, you’ll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of  locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!
Business Credit Cards

Choose from our popular business credit card options, such as low rate, cash back or flexible rewards to find the one that works best for your business. No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.

Learn More or Apply Now

Online account access is the fast and convenient way to access your credit card information on the Internet 24 hours a day, 7 days a week. Need to verify your account balance? Looking for a convenient way to make a payment? With online account access, you can organize your finances quickly, safely and securely. Whether you’re at home, at work or on the road, online account access makes it easy to access a variety of easy-to-use services.

My Account Access

* Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Online Banking & Bill Pay – Online Banking allows you to view the balance and print recent activity from each of your accounts. Bill Pay is offered, free of charge with all of our Personal Online Banking accounts. Bill Payment allows you to make payments to other businesses, merchants, professionals, and individual payees.

Zelle®Zelle® allows you to send and receive money fast through your online banking or mobile banking app. More Info on Zelle. 

Debit Cards – The Bank of Lexington MasterCard® debit card offers a convenient way to pay for everyday purchases at stores, restaurants, supermarkets or any of the millions of locations worldwide that accept MasterCard, in addition to withdrawing money from an ATM. Faster than checks and safer than carrying cash, our debit card gives you direct access to your account. Purchases are automatically deducted from your checking account, and conveniently detailed on your monthly Bank of Lexington statement.

If your debit card is lost/stolen during regular banking hours, please contact us at (859) 219-2900. If your debit card is lost/stolen after hours, please call 1-800-500-1044.

Open an account with us.

We invite you to live local, shop local and bank local with Bank of Lexington.

We listen, then we lend.

Mortgage

Buying or refinancing? We make it an easy transition.

Construction

Flexible and convenient financing for all of your construction needs.

Bridge

A stress-free way to purchase a new home and sell an old one.

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