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Louisville, Southern Indiana and Western Kentucky

BBB Accredited Business since


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BBB Accreditation

A BBB Accredited Business since

BBB has determined that Wilson & Muir Bank & Trust meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Wilson & Muir Bank & Trust include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 3 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.

Industry Ratings Comparison | Chart

Customer Complaints Summary Read complaint details

3 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 1
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 2
Total Closed Complaints 3

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Wilson & Muir Bank & Trust
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: October 14, 1986 Business started: 01/01/1929 Business incorporated: 01/01/1929 in KY
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

U.S. Federal Deposit Insurance Corporation (FDIC)
15 Rockdale Street, Braintree MA 02184-0172

Type of Entity


Business Management
Mr. Brad Hamilton, COO Mr. Davis L. Huston, Sr. Vice President Mr. Frank Wilson, CEO Mr. Lawrence Fox, Manager St. Matthews
Contact Information
Principal: Mr. Brad Hamilton, COO
Principal: Mr. Davis L. Huston, Sr. Vice President
Principal: Mr. Frank Wilson, CEO
Business Category


Additional Information

Bankers Mortgage Company came under new ownership by Wilson & Muir late 2004

Additional Locations

  • 101 Culpeper Street

    Bardstown, KY 40004 (502) 348-2265

  • 105 Taylorsville Road

    Bloomfield, KY 40008 (502) 252-8311

  • 107 North Third Street

    Bardstown, KY 40004 (502) 348-5996

  • 118 S. Main Street

    Leitchfield, KY 42754 (270) 259-4001

  • 123 W. Main Street  P O Box 39

    Vine Grove, KY 40175 (270) 877-2116

  • 130 St. Matthews Avenue

    Louisville, KY 40207 (502) 454-5400

  • 1315 Elizabethtown Road

    Leitchfield, KY 42754 (270) 259-9372

  • 250 W. Dixie Avenue

    Elizabethtown, KY 42701 (270) 769-5099

  • 9790 Elizabethtown Road

    Big Clifty, KY 42712 (270) 242-2222

  • Chaplin Road

    Bloomfield, KY 40008 (502) 252-8314

  • P O Box 346

    Bardstown, KY 40004


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Professional AffiliationsX

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

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  • Guarantee or Warranty

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Complaint Detail(s)

9/6/2013 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: A banking error occurred. I wrote a check to Kentucky Utilities (KU) for the amount of $384.81, it cleared the bank (WMB) for 584.81 (acc#*******, check # **** on July 23, 2012). In May 2013 after finding the error I brought it to my bank's attention in Vine Grove Ky. I was told to go to Kentucky Utility Co. KU informed me that they did not keep my money and I needed to go back to the bank (WMB) for correction of the error in order to get my money. I went to the Elizabethtown branch next door to KU, they (WMB) took my information and said they would send the information up to the accounting department and they would get back with me. It has been several months and I have not heard from them.

Desired Settlement: The desired outcome is for the bank to make the correction, let me know and place the deposit ($200.00 difference) into my account. Additionally, with the bank’s routine auditing of accounts, the error should have automatically been corrected and the client informed.

Business Response:

Business Response to a Complaint


Bank’s Statement to Complaint ID ******* dated 08/19/2013 When the customer informed the Manager at the Vine Grove Office of the error on his bank statement in May 2013 it was over 8 months since the error happened. By the time he reported the error, the bank had no avenue to make a request for the correction back through the check clearing process with other banks. Since the bank did not have an avenue back to KU’s bank, due to the lapse in time, the only recourse remaining was to go directly to the payee on the check (KU) and make a claim for a refund. Since the bank had no contractual relationship with the payee, the customer was instructed to go to the payee listed on the check (KU) to make the claim. The customer was in agreement at that time to do so. When the bank customer visited KU office he was told to go back to his bank. We coincidentally have a branch office next door to KU in Elizabethtown, Ky. The Head Teller at the Elizabethtown Office met with the customer and told him she would check into the problem. The customer explained to the Head Teller that his first contact with the bank concerning his problem was with the Manager at the Vine Grove office, so she tried to contact that Manager to provide a progress report, but the Manager was on vacation. Somewhere in the waiting for the Manager to return from vacation, the message was lost . Since the Manager never received the message, the customer never received a response. When this was brought our attention we apologized for the error. However, the Manager’s response would have been the same. A more prompt reply would not have changed what the Manager at the Vine Grove Office had already told the customer. The error was over 8 months old and the bank had no avenue to make a request for a claim back through the check clearing system. The only avenue was to contact the payee (KU) to get the money back or get a credit on the electric bill. Customers are instructed when they open a checking account of the importance of reviewing their bank statement each month when it is received. Disclosures are provided to the customer when the account is opened informing them of the importance of reviewing their bank statement when it is received. The disclosure further states the customer agrees to examine their bank statement with reasonable promptness and must promptly notify the bank of any errors detected. However, such time period shall not exceed 60 days from when the bank first sent or made the statement available to the customer to inform the bank of any errors. Failure to examine the bank statement and report any errors to the bank within 60 days of when it is received or made available precludes the customer from asserting a claim against the bank for any errors on items identified in that statement. Customer Desired Outcome: Customer states the desired outcome is for the bank to make the correction. Additionally with the bank’s routine auditing of accounts, the error should have automatically been corrected and the client informed. Bank’s reply – Banks receive thousands upon thousands of checks daily. There is no way a bank can review each check that it receives daily. That is why customers receive the disclosure informing them to review their bank statement when they receive it and report any errors detected within 60 days. The bank can go back through the check clearing system to make corrections within the 60 day time frame, but not if the item is over 8 months old.
Customer Desired Settlement: Refund Bank’s reply – Again as stated above due to the time lapse of reporting the error to the bank, the bank has no direct means of making a claim back through the check clearing process with other banks. The course of action is still the same for the bank customer to make a claim with the payee on the check (KU) and they would need to contact their bank. Bank’s Final Response: The Branch Manager at the Vine Grove Office did make contact with KU and they stated the reports they have do not indicate any errors in their deposits for that day. Apparently KU reviewed their in-house records but did not make contact with their bank about the processing error. We then mailed a letter on August 21, 2013 to KU’s bank informing them of the BBB compliant. We asked KU’s bank to research the error and provide our customer with a credit of $200.00. Today, August 28, 2013 we have received a check from KU’s Bank in the amount of $200.00 for their processing error. The manager at the Vine Grove Office will contact our customer to inform him we received $200.00 from KU’s bank and will be depositing $200.00 into his account as of August 28, 2013.

Sent on: 8/28/2013 4:01:36 PM

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/1/2012 Problems with Product/Service | Complaint Details Unavailable
5/25/2012 Problems with Product/Service | Complaint Details Unavailable