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Banking

As a strong community bank, we understand that banking is more than checking accounts and loans. Banking is about people and relationships. Sincerity, courtesy and knowledge may be old fashioned values, but at The Bank & Trust they're our promise.Learn More  

Investments

Our investments team strives to provide investment advice tailored to the individual's needs and personality. We are dedicated to helping people navigate their financial journey with informed advice, exceptional service and complete honesty.Learn More  

Insurance

Our insurance team is committed to making sure you have an Excellent and Exceptional experience throughout the life of your policy. We offer you the competitive advantage of working with over 100 insurance companies to find just the right policy for you.Learn More  
  • Our Inspirations...
    "GUTS are a combination of confidence, courage, conviction, strength of character, stick-to-itiveness, pugnaciousness, backbone, and intestinal fortitude. They are mandatory for anyone who wants to get to and stay at the top." – D.A. Benton other inspirational quotes >

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Insurance products are not insured by the FDIC or any other agency of the United States, the financial institution or an affiliate. Beginning January 1, 2010 The Bank and Trust will no longer participate in the FDIC’s Transaction Account Guarantee Program. Thus, after December 31, 2009, funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC’s general deposit insurance rules. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are not insured by bank insurance, the FDIC or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. Westex Investment Services and The Bank & Trust are independent of Raymond James.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NON-INTEREST BEARING TRANSACTION ACCOUNTS
By operation of federal law, begining January 1, 2013, funds deposited in a non-interest bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of the depositor’s accounts at an insured depository institution, including all non-interest bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts (“IOLTAs”). For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.