Best Banks in Lexington, KY

Compare 5 banks companies serving Lexington, Kentucky. Average rating: 4.2/5.

5 Companies 5 Rated Payday: Legal

Kentucky Lending Regulations

Kentucky allows payday lending with a $500 cap, $15 per $100 fee limit, and a statewide tracking database. Borrowers are limited to two loans at a time with a cooling-off period. Consumers can file complaints with the Department of Financial Institutions or the Attorney General.

Usury cap: 19% for consumer loans over $15,000; payday loans capped at $500 with $15 per $100 fee Agency: Kentucky Attorney General Consumer Protection Division

Top-Rated Banks

Bank of the Bluegrass and Trust Company logo

Bank of the Bluegrass and Trust Company

Unable to verify. Website currently inaccessible (Access Denied error). Cannot confirm current operations, services, or business status.

4.2/5
Contact BBB:

Best for: Local banking with personal service, FDIC-insured deposits

Central Bank & Trust Co. logo

Central Bank & Trust Co.

Community bank offering checking, credit cards, mortgages, loans, and insurance products with 80 years of local market presence.

4.2/5
Contact BBB:

Best for: Kentucky residents seeking one-stop banking with mortgage and insurance needs, Community-focused customers who prefer relationship banking over digital-only options

Forcht Bank, National Association logo

Forcht Bank, National Association

Forcht Bank is an FDIC-insured national bank offering personal and business checking, savings, loans, and mortgages with digital-first account opening and fraud protection features.

4.2/5
Contact BBB:

Best for: Consumers seeking FDIC-insured deposit accounts from an established national bank, Small business owners needing business checking and online banking services

Whitaker Bank logo

Whitaker Bank

Whitaker Bank is a full-service regional bank offering personal and business deposit accounts, loans, wealth management, and insurance services across Kentucky.

4.2/5
Contact BBB:

Best for: Kentucky residents seeking traditional banking with personal service and local branch access, Small to mid-size business owners needing comprehensive commercial lending and treasury services

Bank of Lexington, Inc. logo

Bank of Lexington, Inc.

Bank of Lexington is a community bank serving Kentucky with checking, savings, CDs, and lending products. Part of First Breckenridge Bancshares' seven-bank network.

4.1/5
Contact BBB:

Best for: Kentucky-based individuals seeking personalized community banking with branch access, Local homebuyers and refinance customers wanting relationship-based mortgage lending

All Banks in Lexington (5)

Bank of the Bluegrass and Trust Company logo

Bank of the Bluegrass and Trust Company

Unable to verify. Website currently inaccessible (Access Denied error). Cannot confirm current operations, services, or business status.

4.2/5
Contact BBB:

Best for: Local banking with personal service, FDIC-insured deposits

Central Bank & Trust Co. logo

Central Bank & Trust Co.

Community bank offering checking, credit cards, mortgages, loans, and insurance products with 80 years of local market presence.

4.2/5
Contact BBB:

Best for: Kentucky residents seeking one-stop banking with mortgage and insurance needs, Community-focused customers who prefer relationship banking over digital-only options

Forcht Bank, National Association logo

Forcht Bank, National Association

Forcht Bank is an FDIC-insured national bank offering personal and business checking, savings, loans, and mortgages with digital-first account opening and fraud protection features.

4.2/5
Contact BBB:

Best for: Consumers seeking FDIC-insured deposit accounts from an established national bank, Small business owners needing business checking and online banking services

Whitaker Bank logo

Whitaker Bank

Whitaker Bank is a full-service regional bank offering personal and business deposit accounts, loans, wealth management, and insurance services across Kentucky.

4.2/5
Contact BBB:

Best for: Kentucky residents seeking traditional banking with personal service and local branch access, Small to mid-size business owners needing comprehensive commercial lending and treasury services

Bank of Lexington, Inc. logo

Bank of Lexington, Inc.

Bank of Lexington is a community bank serving Kentucky with checking, savings, CDs, and lending products. Part of First Breckenridge Bancshares' seven-bank network.

4.1/5
Contact BBB:

Best for: Kentucky-based individuals seeking personalized community banking with branch access, Local homebuyers and refinance customers wanting relationship-based mortgage lending