Peoples Exchange Bank (KY)

A home town bank that doesn't compete

I have been banking with People's Bank, mostly at the main Mount Sterling, KY, for over 5 years. In this time I have realized that having a small, and personal banking experience doesn't mean a more professional banking experience. The bank has one challenge in particular that I can't seem to get past with them. With all of their checking/debit card accounts they have a $300 a day limit. At first I thought this was bizarre having banked a number of larger places and have near heard of being limited to my cash funds. I asked People's what we could do to get the amount raised over remove the block. The answer is always the same, "come in and fill out the forms , and we will raise it." Well my wife and I have done this about 3 times, and each time we wait and wait, and we NEVER HEAR ANYTHING ABOUT IT AGAIN. We both have good to great credit, and even if they decided to not grant the request I would expect to hear something, but no. Nothing. This happens regularly with People's Exchange Bank, it seems there is no follow through or possible the world's longest back log of work. That said many of the basic functions I need from a bank are fine, the online was recently upgraded, which is good because that was a problem. So basically I think it deserves a C for a grade and I would prefer a different local bank if I had better options,