Locally Owned and Operated Since 1902

Privacy Statement


Our goal at Peoples Bank and Trust Company is to provide our customers with the best customer service. We have carefully planned all our products and services to meet the needs of every member of your family and/or business. When you visit the bank or use our Online Banking, Xpress Phone Banking or ATM, we want you to be completely satisfied and know that we have done everything to make your banking experience pleasant and satisfactory.


If you should have suggestions about any of our products or services, please feel free to contact us at (502) 484-3466 or in writing at PO Box 8, Owenton, KY 40359.

Important Phone Numbers

(502) 484-3466
(502) 484-2600 - Xpress Phone Banking (24 hour automated banking service)
(800) 500-1044 - Report fraud, lost or stolen debit card 

Contact Us

Peoples Bank mailing address is PO Box 8, Owenton, KY 40359.


Peoples Bank is located at 101 N. Main Street in Owenton, Kentucky. Our ATM is located at the back entrance of the bank.

Lost or Stolen Debit Card

Call 800-500-1044 immediately to report a lost or stolen debit card.

To Report Fraud/Unauthorized Transactions on Debit Card

Call 800-500-1044 immediately to have a block placed on your debit card.

Visa Transaction Alerts

Help reduce fraud and monitor your spending anytime, anywhere with near real-time debit card email alerts from Peoples Bank powered by Visa. This free service is available to all Peoples Bank debit card customers. Enroll for purchase alerts at Visa.com/purchasealerts.

Check Reorders

To reorder checks fast without changes go to www.ordermychecks.com or call 1-800-275-1053. To reorder checks with changes, call (502) 484-3466 or stop by and a customer service representative can assist you with your check order.

Wiring Instructions

If you wish to have a wire sent to Peoples Bank the following information is required: Send wire to Bankers Bank of Kentucky, 107 Progress Drive, Frankfort, KY 40602, Routing #083901896 for credit to Peoples Bank & Trust Company, 101 N. Main Street, Owenton, KY 40359, Routing #083903085 for further credit to YOUR NAME and ACCOUNT NUMBER.

We Want to Hear From You

One of the great things about being a locally owned, locally operated financial institution, is the privilege of knowing our many loyal customers. If we have fallen short on delivering our products or services, or if we have done an exceptional job, we want to know. We appreciate your business and we look forward to hearing from you.

Conforming Loan Payment Notice

All loan payments must be accompanied by the account number or payment coupon provided. Loan payments must be sent to Peoples Bank & Trust Company, PO Box 8, Owenton, KY 40359. Loan payments may also be made in person to personnel in our lobby location. Our hours of operation for receiving loan payments are 9:00 am - 4:00 pm, Monday - Friday and 9:00 am - 12:00 pm, Saturday (except bank holidays). All other payments received will be credited as of the next loan operations business day or as otherwise permitted by law.

American Bankers Association (ABA) Routing Number Search Tool

The ABA has developed a tool so consumers can search bank routing numbers. You will be able to search routing numbers, also known as ABA numbers or routing transit numbers, for all U.S. financial institutions using this tool. You can enter a financial institution's name and location to find a routing number, or enter a routing number to find the institution's name. You can access this search tool at routingnumber.aba.com.