Frequently Asked Questions

Frequently Asked Questions

What is the bank's routing number?
Bank & Trust Company's routing number is 081903537.

Sample Check

The picture above is of a sample check. The routing number (circled in red on the sample) is usually on the bottom-left of the check.  The account number (circled in green) is usually next, and the number to the far-right (circled in blue) is the check number.


How can I enroll in online banking?
To enroll in online banking, click on "Sign Up Today" under the customer log in on the top right of the home page.  Fill out and submit the form.  You will receive an email once your account is set up.


What do I need to do to start paying my bills online?
To pay your bills online, you must first be an online banking customer.  While there is a $4.95 monthly fee, our DiamondPlus customers receive this option as part of their enrollment.  Log in to online banking, click on the Bill Pay link, and fill out the application.  You'll be notified of your acceptance. Then, you must add your payees: to add a payee, you will need the payee's name, address, phone number and the billing account number.


How can I sign up for eStatements?
Fill out the Receive Statements Electronically form, submit it, and you will receive an email within 24 hours with instructions on receiving your secure statements and notices.


What is mobile banking?
Mobile banking allows you to conduct banking transactions using your mobile phone. You can conduct most any of the transactions available through online banking using your mobile phone, including Bill Pay if you're enrolled in that feature.


How can I sign up for mobile banking?
To use mobile banking, click here, scroll to the "Mobile Banking" section, and download the app using the QR code, or by searching your app store for Bank & Trust Company.  Then install, open, and follow the directions. (If you have online banking, you can use your online banking username/password to access your accounts through mobile banking)


How can I set up direct deposit?
Direct deposit can be established with most employers and government agencies as well as pension funds. Our customer service representatives will be happy to assist you with setting up direct deposit.


What is the cut-off time for a deposit to post to my account?
Generally, branch transactions processed prior to 4:00 P.M. Monday through Friday will post to your account that same day. (Some locations may have a later cut-off time.)  Debit transactions vary by merchant.


Where can I find a no-charge ATM?
We are part of both the AlphaLink and MoneyPass ATM networks.


 What if I suspect fraud on my bank debit card?
Call (800) 264-4274, option 3 after business hours.


What steps should I take if I've had my identity stolen?
Please, notify us right away.  The FTC has provided an Identity Theft Recovery Guide to help you take the necessary precautions.  Also, if you are a DiamondPlus Checking account holder, contact BaZing and enlist the help of their ID theft specialists.