Kentucky Banker Spotlight

Scott Davis, Chairman & CEO


Field & Main Bank
Henderson, KY

How are you, your bank employees and your community coping during the COVID-19 outbreak?

As our communities continue to deal with a pandemic event that has changed all of our lives, we recognize the impact to our customers, our local businesses and our communities. While our daily operations may seem different, with team members working remotely and in shifts, we are prepared to limit customer disruptions. Each Field & Main team member has been trained to provide a seamless customer experience and adheres to a set of Standards of Care, which guide us in how we deliver our services. The second Standard of Care reads:

“I craft solutions. I take immediate ownership of client’s requests and follow through until resolved. Through teamwork, we find solutions and create seamless experiences for our clients.”

The COVID-19 crisis has made us very aware of ways that we can better provide solutions for our customers. Field & Main Bank remains open for business, but we have altered our operations to protect the safety of our staff, our customers, and our communities. For example, we are limiting our branch lobby functions until we have determined it is safe to resume normal operations. We are maintaining normal drive-thru operations for customer transactions at all Field & Main locations, and have designated a walk-up lane on high-traffic days. Our digital banking services have been and remain free for our customers, so we encourage you to use our mobile app and online banking to conduct your banking business. If they are in need of a personal or home loan, the application process can be initiated over the phone or through our online application. We are allowing banking by appointment for some specific transactions such as loan closings or deposit account openings.

How are your customers and small businesses adjusting to these challenging times?

It is tough and a lot of folks are scared, rightly so. From my own perspective, I feel an outpouring of gratitude from our customers for effectively communicating, deeply caring about their well-being, and offering guidance during circumstances they've never experienced before.

What kinds of support and programs are you providing to these customers?

As COVID-19 crisis continues to evolve, the Field & Main Bank team stands ready to support our customers and communities to help the nation overcome this challenge. The initiatives we are taking to assist our customers include (but are not limited to):
  • For the month of April, we waived all NSF Fees (Non-Sufficient Funds) and will continue to paychecks that are within the Overdraft Protection or Bounce Protection limits for all customers.
  • For those customers who are needing cash and have money in a CD (Certificate of Deposit), we waive any penalty for early withdrawal for CDs up to $20,000.
  • We are working daily to provide economic relief for our loan customers (commercial/business, home mortgage, and consumer loans) that need it.
  • Completely separate from the employee benevolence fund (for employees whose families are experiencing hardships due to the pandemic) we announced a $150,000 contribution to the Henderson Employee Relief Fund for community members who have been thrust out of employment due to COVID-19. More information about that program can be found on our blog.
What has the coronavirus crisis taught you so far?

It’s really reinforced the belief that humans are inherently good and kind, and that our distance doesn’t keep us from being and experiencing together.