Monticello Bankshares is a holding company that owns the Monticello Banking Company. The Monticello Banking Company, a state-chartered commercial bank founded in 1895, offers a range of deposit and loan products to business and individual customers. It provides certificates of deposit and checking and savings accounts to customers. The bank offers ATM, credit and debit cards of VISA. It also offers various consumer loan products that includes construction, residential mortgage, home equity and automobile loans, as well as personal lines of credit and unsecured loans. In addition, the bank specializes in providing tax-exempt credit facilities for local government projects, including utility infrastructure and industrial recruitment. The Monticello Banking Company has its corporate offices in Monticello, Ky.