Operational since 1889, the South Central Bank is a financial institution comprised of five individually chartered banks. Located in Owensboro, Ky., it offers various personal and business banking solutions, such as health savings accounts, telephone/online banking, business checking and personal loans. In addition, the bank offers various mortgage options, including fixed rate mortgages, government programs and adjustable rate mortgages (ARM).South Central Bank is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender.