Community Financial Services Bank - Western Kentucky's Community Bank

Short Terms, Tall Returns

Take advantage of our 10-month, 4.19% APY or 19-month 3.49% CD special today!

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We're With You

Save, spend, build, or buy – fulfill your personal banking goals the way you want.

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Tools, Resources, & Account Services

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Personal Banking

Take control of your finances

Personal Savings

Our savings accounts offer competitive returns on your short and long-term deposits.
Personal Checking

Manage expenses with simple checking account options, free debit card & digital banking, and no monthly service costs.
Personal Loans

Fund almost anything - from cars to houses and more - with CFSB's Personal Loans and lines of credit.
Mortgages

Manage mortgage payments with CFSB's flexible terms and monthly installments that fit your budget.
Certificates of Deposit (CDs)

Meet your future savings goals with the help of our competitive, fixed interest rates throughout your CD term.
Personal Credit Cards

Purchasing power is in the palm of your hand wherever you go when you have your CFSB Mastercard®

Better Business Banking

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Business Checking

Maintain your expenses with a Business Checking account that's been tailored to meet your business' specific needs.

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Cash Management

Make same-day ACH transfers, wire transfers, and more without ever having to leave the office.

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Merchant Services

Boost customer satisfaction by providing them with more payment options. Begin accepting credit and debit card transactions with CFSB's Merchant Card Services.

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LOANS & CREDIT

Providing the funds you need, when you need it

Home Mortgage Loans

Discover competitive mortgage rates to purchase, refinance, or construct your dream home.

Powersports & RV Loans

Explore more with that RV, ATV, or watercraft you've been eyeing with up to 100% financing options from CFSB.

Agriculture Loans

From crop production to equipment financing, we can cover a number of agricultural needs with a loan or line of credit.

Commercial Real Estate Loans

Get the right commercial property from trusted local lenders with flexible terms and refinancing options.

Church Loans

Strengthen the community in Western Kentucky with our customized loan for church-related needs.

For a very limited time

10-Month 4.19% APY | 19-Month 3.49% APY*

CFSB – Mobile Banking App

Bank on your time with our user-friendly mobile app!

Manage your finances from your phone
Safe, easy, and secure transactions
Easily manage bill pay options
Track income and expenses
Take control of your money with our budgeting tools

Reliable Digital Banking Tool Kit

Shop securely without ever revealing your card information with CFSB Mobile Wallet.

Got a new debit card and hate updating the number on everything? Update new card details seamlessly across 55+ different services with one tap.

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About CFSB

Our Story is Our Greatest Legacy

Through consistent, reliable service built on the foundation of meaningful relationships, we want you to achieve your biggest dreams, your life goals and everything in-between. We have conquered over 130 years of change to serve generations of families and communities, no matter what it takes.

Locations & Hours

Visit the nearest banking center for personalized banking experience.

Careers

Become Part of Our Growing Family

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News & Blog

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Community Financial Services Bank adds Givio to Digital Banking allowing customers to donate to all their favorite charities directly from their secure and convenient online banking portal

20 Mar 2023

A banking industry first, Givio enables CFSB customers to quickly, safely, and easily make and track all their donations in one place.

Kanipe Named 2023 Emerging Leader by the Kentucky Bankers Association

17 Mar 2023

Skyler Kanipe, Project Manager for Community Financial Services Bank has been selected by the Kentucky Bankers Association (KBA) for its 2023 Emerging Leaders program. Th...

Blog

Community Financial Services Bank(CFSB)

FREQUENTLY ASKED QUESTIONS

Plan for Your Financial Future

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Why do I have to answer questions before you will give my account information to me?
At CFSB, our goal is to make your banking experience as easy as possible by providing you the assistance you need, when you need it. Protecting your personal information is extremely important, so when you call we will ask some additional questions that only you would know.
Oh no, I've been overcharged!
Have you ever purchased gas for $30 only to login to your CFSB Digital Banking and see a $75 charge? OH MY! In most cases this is a preauthorization. The amount is held by the merchant until the transaction is settled for the original charge, or the hold "falls off".
Wait! That purchase was made first, now I have an NSF Fee.
Why did the purchase I made on Thursday clear before the purchase I made on Monday? Items clear your account based on when a merchant settles the transaction. The time and day you make the transaction doesn't always determine when the item will clear your account.
I am traveling, why is my debit card not working?
Notifying the bank when you travel is very important. To better protect your account, our Fraud Center will notice purchase activity from locations outside your normal area and 'lock" your card. Whenever you plan a trip, we can place a travel notice on your account.
What is Remote Deposit Capture and what do I need to get started?
Remote deposit capture allows businesses to capture checks at their business location and then transmit data and the check images electronically to their financial institution for posting and clearing, without any need for physical transportation. All that is needed is a computer, Internet connection, and scanning device.

Need More Support? Contact Us

Community Financial Services Bank - Western Kentucky's Community Bank

Short Terms, Tall Returns

We're With You

Tools, Resources, & Account Services

For Whitelist any third party links, add/edit URL here

Personal Savings

Personal Checking

Personal Loans

Mortgages

Certificates of Deposit (CDs)

Personal Credit Cards