US Bank Directory
Banks in Monticello, KY
4 FDIC-insured banks operate 7 offices in Monticello, Kentucky.
Source: FDIC BankFind, data as of September 5, 2026; hours checked October 10, 2026.
Bank branch map: Monticello
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 4 banks and credit unions operate 7 locations in Monticello, according to the FDIC. 7 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
7 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks in Monticello
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The Monticello Banking has the most locations in Monticello, with 4. The other 3 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
The Monticello Banking Bank · 4
The Monticello Banking has 4 branches in Monticello, 21 across Kentucky and 21 nationwide. FDIC records list its main office in Monticello, KY and show it operating since 1895. With $1.07 billion in total assets on June 30, 2026, it ranks No. 987 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Monticello location is its main office at 50 N Main St, dating to 1895; the newest, at 28 Barnes Dr, to 2001. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office50 N Main St, 42633
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Tradeway Branch1450 N Main St, 42633
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Highway 90 Branch28 Barnes Dr, 42633
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Downtown Branch95 N Main St, 42633
First Southern National Bank Bank · 1
First Southern National Bank has 1 branch in Monticello, 17 across Kentucky and 17 nationwide. FDIC records list its main office in Lancaster, KY and show it operating since 1865. With $1.28 billion in total assets on June 30, 2026, it ranks No. 858 of 4,232 U.S. banks by total assets. The Monticello Branch at 100 N Main St dates to 1938 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Monticello Branch100 N Main St, 42633
The Citizens National Bank of Somerset Bank · 1
The Citizens National Bank of Somerset has 1 branch in Monticello, 12 across Kentucky and 12 nationwide. FDIC records list its main office in Somerset, KY and show it operating since 1919. With $700.9 million in total assets on June 30, 2026, it ranks No. 1,378 of 4,232 U.S. banks by total assets. The Monticello Branch at 290 Cumberland Xing dates to 2009 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Monticello Branch290 Cumberland Xing, 42633
Truist Bank · 1
Truist has 1 branch in Monticello, 53 across Kentucky and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Monticello Branch at 230 Cumberland Xing dates to 1935 in FDIC branch records. Its published hours do not list Saturday.
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Monticello Branch230 Cumberland Xing, 42633
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Banking in Monticello: the local picture
Short answer: 4 banks run 7 branches in Monticello according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 4 banks, 1 has its main office in Monticello, 2 elsewhere in Kentucky and 1 out of state, according to the FDIC.
The bank with the longest record here is First Southern National Bank, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is The Monticello Banking's office at 50 N Main St, dating to 1895; the newest is The Citizens National Bank of Somerset's at 290 Cumberland Xing, from 2009.
Of the 1 location with published hours. None open on Saturday. 6 locations have no published hours in these sources.
Saturday hours in Monticello
Short answer: None of the 1 Monticello location with published hours lists Saturday hours. 6 locations do not publish hours in these sources; call ahead.
Bank branches show hours only where the bank publishes them in a source this page uses; 6 of the 7 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Monticello, and where the nearest one is if they do not.
Short answer: In Monticello: Truist (1). No branches in Monticello: Chase (nearest in Danville, 56 mi), Wells Fargo, Bank of America (nearest in Lexington, 80 mi), PNC Bank (nearest in Corbin, 43 mi), U.S. Bank (nearest in Lebanon, 55 mi), Fifth Third Bank (nearest in Richmond, 68 mi), Huntington (nearest in Walton, 144 mi), Regions Bank (nearest in Franklin, 96 mi), TD Bank, BMO.
| Bank | In Monticello | Nearest branch if none here |
|---|---|---|
| Truist | 1 branch | here |
| Chase | None | Danville, 56 miles away |
| Wells Fargo | None | none in Kentucky |
| Bank of America | None | Lexington, 80 miles away |
| PNC Bank | None | Corbin, 43 miles away |
| U.S. Bank | None | Lebanon, 55 miles away |
| Fifth Third Bank | None | Richmond, 68 miles away |
| Huntington | None | Walton, 144 miles away |
| Regions Bank | None | Franklin, 96 miles away |
| TD Bank | None | none in Kentucky |
| BMO | None | none in Kentucky |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Monticello to the nearest branch in Kentucky.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Monticello residents like anyone else.
Banks near Monticello
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Jamestown (16 miles) and Nancy (17 miles). Somerset, 20 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Jamestown, KY | 16 mi | 2 | 3 |
| Banks in Nancy, KY | 17 mi | 2 | 2 |
| Banks in Russell Springs, KY | 19 mi | 6 | 8 |
| Banks in Albany, KY | 19 mi | 3 | 4 |
| Banks in Somerset, KY | 20 mi | 12 | 25 |
| Banks in Burkesville, KY | 29 mi | 2 | 2 |
| Banks in Columbia, KY | 31 mi | 5 | 10 |
| Banks in Liberty, KY | 33 mi | 3 | 4 |
Bank branch openings and closings in Monticello
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Monticello between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Monticello
Short answer: 1 institution has its main office in Monticello: The Monticello Banking.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| The Monticello Banking | Bank | $1.07 billion | 4 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Monticello by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Monticello offices.
Short answer: Truist is the largest bank with offices in Monticello, with $548.35 billion in total assets on June 30, 2026, No. 9 among U.S. banks by total assets. First Southern National Bank is second with $1.28 billion. 1 of the 4 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| First Southern National Bank | $1.28 billion | No. 858 | 1 | Lancaster, KY |
| The Monticello Banking | $1.07 billion | No. 987 | 4 | Monticello, KY |
| The Citizens National Bank of Somerset | $700.9 million | No. 1,378 | 1 | Somerset, KY |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Monticello: FAQ
How many banks are in Monticello, KY?
Monticello has 4 banks with 7 branches, according to FDIC data as of September 5, 2026.
Which bank has the most branches in Monticello?
The Monticello Banking, with 4. Truist has 1 and First Southern National Bank has 1.
Is there a Truist in Monticello, KY?
Yes. FDIC data lists 1 Truist branch in Monticello as of September 5, 2026. The address and directions are under Truist above.
Is there a First Southern National Bank in Monticello, KY?
Yes. FDIC data lists 1 First Southern National Bank branch in Monticello as of September 5, 2026. The address and directions are under First Southern National Bank above.
Is there a Chase in Monticello, KY?
No. FDIC data lists no Chase branch in Monticello as of September 5, 2026. The nearest is in Danville, about 56 miles away in a straight line.
Which banks in Monticello are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 6 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Monticello?
The Monticello Banking has its main office in Monticello, according to the FDIC.
What is the oldest bank in Monticello?
First Southern National Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1865.
Did any bank branches open or close in Monticello in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Monticello?
Nearby cities with more banks include Jamestown, Nancy, Russell Springs. Jamestown is 16 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Bank branch hours, phones and branch pages (1 of 7 branches: Truist) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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