The CFSB Business Credit Cards are accepted virtually anywhere and makes business easy. Learn about the benefits and how to apply today. Help Me Decide Let's talk about your financial goals and see if our Business Credit Card is right for your business! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our Business Credit Cards! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note Competitive Rates Cash Back Zero Fraud Liability* Friendly Service Benefits of Business Credit Cards No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools. No fee for additional employee cards. Mobile payment capability for added convenience. Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen. Cardmember Service available 24 hours a day/365 days per year. Learn More *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Business / Business Credit Cards / BUSINESS CREDIT CARDS Helping your business take care of business Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business. Learn More

CFSB offers a low rate and world perferred points rewards personal credit card. Learn about the benefits and decide which best suits your needs. PERSONAL CREDIT CARDS Purchasing power when you need it Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! Learn More / Personal Credit Card / Competitive Rates Cash Back Zero Fraud Liability* Friendly Service Benefits of Personal Credit Cards No matter which card you choose you'll enjoy important features like: Convenient and flexible purchasing power. Accepted at millions of locations worldwide. Mobile Purchasing capability for added convenience. Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen. Cardmember Service available 24 hours a day/365 days per year. Plus much more! Learn More *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Help Me Decide Let's talk about your financial goals and see if a Personal Credit Card is right for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our Personal Credit Cards! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

Find answers to your banking questions on CFSB's FAQ page. From account management to loan options, discover helpful information tailored for our Western Kentucky community. Get the support you need to navigate your banking experience with confidence! Frequently Asked Questions You've got questions, we've got answers! Not finding what you're looking for? Ask our team! Contact Us Frequently asked questions General FAQ's Digital Banking FAQs Personal Banking FAQs Business Banking FAQs 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, you can submit a travel note via digital banking yourself or we can place a travel note on your account. What is CFSB's routing number? Our routing number is 083903328. Can I add my CFSB debit card to my mobile wallet? Yes, you absolutely can! Mobile wallet works the same as if you inserted your CFSB debit card into the card reader at the merchant and is processed the exact same! I have loads of coin, do I need to roll it before bringing into the bank? Rolling your own change is a thing of the past! We offer change machines in each of our markets. This is a free service to our CFSB Clients! I work late and I do not have a smartphone, how do I check my balance? We offer telephone banking, this service is free and available 24/7. You can quickly and easily make account balance inquiries and more outside of our normal banking hours. Dial 270-527-2222! Are Discover Debit Cards as widely accepted as other card carriers? Yes! Your CFSB Discover debit card is accepted nationwide by 99% of the places that take credit cards. If you ever encounter the 1% that does not accept Discover, we encourage you to call us at 888-226-5669 and let us know! What is a Live Teller Machine or LTM? A Live Teller Machine (LTM) is a video-based, interactive technology that allows clients to conduct transactions with a centrally located teller. In normal terms, you can video-chat with a someone on our team when conducting a transaction the LTM if you need help! Using an LTM allows you to cash checks, make deposits, loan payments as well as many other services! Have additional questions? Ask our team! Contact Us Help Me Decide Let's talk about about any questions you may have! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you have! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

(888) 226-5669 Open 24 hours Back to Locations Graves County Banking Center 100 Dick Castleman BYP, Mayfield, KY, USA (888) 226-5669 Mailing Address: PO Box 467, Benton, Kentucky 42025 Location Hours Lobby Hours Monday - Friday 8:30 AM - 4:30 PM Drive-Thru Hours Monday - Thursday 8:00 AM - 4:30 PM Friday 8:00 AM - 5:00 PM Saturday 9:00 AM - 12:00 PM Contact Us Get Directions ABOUT THIS LOCATION Graves County Banking Center We're all about value at Community Financial Services Bank. Because our customers are so important to us, we focus all our energy on providing additional value to you. For over 130 years, this added value has come in the form of exceptional checking and savings accounts, personalized loan offerings, convenient, state-of-the art services, and of course friendly, customized service every step of the way. Contact Us Here for You Call, text, email, chat, or whatever method is easiest for you - our team is ready to help! Contact Us Who We Are Our roots run deep - REALLY deep! We enjoy being able to serve the communities that we call home. Learn More Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

Easily make your loan payment to CFSB online today! With two convenient options, you can choose what works best for you. ONLINE LOAN PAYMENT Multiple ways to pay online To make a payment with our loan payment portal, please click 'Make a Payment' below! Make a Payment Have questions about our payment options? Contact our team! Let's Go Help Me Decide Let's talk about your loan and see which payment option is right for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our loan payment options! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note THE OLD FASHIONED WAY Make a payment by mail All mailed payments need to be payable to CFSB and addressed to PO Box 467, Benton, KY 42025 with your loan number in the memo line. GET MORE WHEN YOU PAY Make a payment with Digital Banking By enrolling in Digital Banking, you'll have the ability to setup automatic payments, make and view previous payments, and see your loan balance and details. So what are you waiting for? Enroll in free Digital Banking today! Personal Enrollment Business Enrollment

Discover the additional banking services at CFSB, including coin counting, safe deposit boxes, notary services, wire transfers, and more. Visit a banking center today to enhance your banking experience! ADDITIONAL SERVICES Your one-stop shop for all your financial needs Resources / Additional Services / At CFSB, we go beyond everyday banking to provide you with the tools and services that make managing your finances easier. Whether you need to securely store valuables, turn your change into cash, or make a wire transfer, we’re here to help. Explore our in-lobby services Coin Counting Machines Safe Deposit Boxes Wire Transfers Telephone Banking Notary Services Protect your most valuable items with a secure safe deposit box at CFSB. Whether you need to store important documents, jewelry, or other valuables, our safe deposit boxes offer a secure, climate-controlled environment to give you peace of mind. Various sizes are available to meet your needs. To learn more about pricing and availability, please visit any of our banking centers or give us a call at 888-226-5669! Loose change piling up? Our self-service coin counting machines make it easy to turn your coins into cash quickly and accurately. These machines save you time and effort, so you can skip the hassle of manual counting! Coin machines are currently available at the following locations: Benton Banking Center , Calloway North Banking Center , Calloway Sycamore Banking Center , Graves County Banking Center , and McCracken County Southside Banking Center . Need to send or receive money fast? Our wire transfer services allow you to securely move funds domestically and internationally with ease. Whether you're making a business payment or sending money to family, our team ensures your transactions are processed efficiently and securely. *Fees may be applicable for incoming and outgoing international and domestic wires. Call us at 888-226-5669 to learn more! Bank anytime, anywhere with our convenient telephone banking service. Check your account balances, transfer funds, review recent transactions, and more—all from the comfort of your phone. Our automated system is available 24/7, ensuring you have access to your accounts whenever you need it. Call 270-527-2222 to get started! Need an important document notarized? CFSB offers free notary services to our clients to help authenticate signatures and verify documents quickly and securely. Whether you're signing legal paperwork, financial documents, or business agreements, our notary professionals ensure a smooth and hassle-free process. Stop by one of our banking centers to get your documents notarized today! Services Personal Banking Whether you need a reliable checking account, competitive savings options, or personalized loans, we've got you covered. Enjoy the convenience of local banking with a personal touch. Discover CFSB's range of personal banking products designed to meet your financial goals. Learn More Business Banking From flexible business loans to convenient checking and savings accounts, our comprehensive suite of financial products supports your business growth. Benefit from local expertise and personalized service that prioritizes your success. Learn More Brokerage Services Count on CFSB Investments for expert, personalized guidance to achieve your financial goals. Whether planning for retirement, funding college education, securing life insurance, or any other financial objective, we're here to support you every step of the way. Learn More

Learn more about jobs at CFSB and why we were voted Best Place to Work in KY three years running! Apply for our open positions today! CAREERS Join one of the best places to work in Kentucky! / About Us / Careers / History Explore how our bank's commitment to local growth and our communities has shaped a legacy over the years. Learn More Our Leaders Meet our experience and dedicated team guiding our bank with vision, integrity, and a passion for community service. Learn More Community Learn about our initiatives and partnerships that support and enrich the community we proudly serve. Learn More About Us Check out our Mission and Vision that's helped us serve our clients and communities since 1890. Learn More Have questions? Contact our HR team today! Allen Waddell CHIEF HR OFFICER (270) 527-4624 Heather Watkins HUMAN RESOURCES (270) 527-6077 At Community Financial Services Bank, we offer team members the opportunity to grow and be challenged. View Open Positions Diversity Policy As an industry leader, our goals are to provide excellent service, develop unparalleled products, utilize progressive technology, and efficiently deliver results. To achieve these goals, we constantly seek people who look for ways to do things better. We are looking for team members to help us create and maintain industry leadership in growth, performance and diversification in services. Above all, we look for people who are dedicated to providing value and superior service to our clients, to our shareholders, and to our communities. Community Financial Services Bank is an equal opportunity employer, granting equal opportunity to all qualified persons without regard to race, color, sex, religion, age, national origin, physical or mental disability, military status, pregnancy, genetic information, sexual orientation and gender identity. This right to equal employment involves all phases of employment, including hiring, transfers, promotions, compensation, and team member development. As positions become available in the bank, management shall determine the availability of qualified candidates from within the bank, basing the selection on demonstrated ability, knowledge, experience, and training. 2025 CFSB was named Best Place to Work in Kentucky! Read More Best Community Bank to Work For ICBA's Independent Banker 2022 Best Community Bank To Work For #1 Bank in Marshall County 2021 Marshall County Tribune Courier Reader's Choice Awards #1 Employer in Marshall County 2021 Marshall County Tribune Courier Reader's Choice Awards Best Places to Work in Kentucky 2020-2025, Medium Sized Business Category

Learn more about the benefits of using CFSB's church loans to meet the needs of your local church. Contact us today to learn more! Competitive Rates Flexible Terms Local Decisions Friendly Service CHURCH LOANS Helping you fund your ministry A customized loan designed for the needs of churches in the Western Kentucky communities that we serve. Our church loans offer flexible financing for a number of needs including: expansion, relocation, land acquisition, construction, improvements, remodeling, church vehicles, and more! Contact one of experienced loan officers and they will be more than happy to walk you through the process. Get Started Business / Business Lending / Church Loans / Please note that this loan is only available to residents of Kentucky, Missouri, Illinois, Indiana, and Tennessee. All loans are subject to credit approval. Benefits of our Church Loans Cover a number of church-related needs Competitive interest rates Experienced loan officers Quick, local decision making and processing Continued financing through the lifetime of your loan Friendly, Western Kentucky service from start to finish Meet our Commercial Lending Team! Let's Go Help Me Decide Let's talk about your financial goals and see if a Church Loan is right for your business! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our Church Loans! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

Did someone on our team go above and beyond? Complete a "thank-a-banker" so we can celebrate them! THANK A BANKER Help us celebrate our team To submit a Thank a Banker, please fill out the form below! Thank a Banker Our team is ready to serve! Let us know how we can assist you today. Let's Go Talk to a Human Our in-house client service center is ready to assist you with all of your banking needs! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about CFSB! View Locations Who We Are Since 1890, we've been serving our community here in Western Kentucky. Learn More

CFSB offers many business checking accounts that fit all sizes and types of businesses. Get connected with our team to learn what option best meets your needs. BUSINESS CHECKING ACCOUNTS You deserve an account that fits your business Business / Business Checking / We don't believe in a one-size-fits-all approach when it comes to banking, and you shouldn't either. Our team can help you find the perfect account. Whether you're a team of 1 or 2,000, we have an account that's made just for you. We offer accounts for small businesses, non-profits and charitable organizations, medium-sized businesses, large corporations, and everything in between. To sweeten the deal, most of our accounts offer an interest-bearing option. Variety of Accounts Available Free Digital Banking No Minimum Balance Requirement Free eStatements No minimum balance requirement Free Discover debit card Free mobile wallet services Business services available Overdraft protection available* $100 minimum deposit to open Access to a marketplace of business add-ons Free digital banking, including: Online banking Mobile Banking eStatements ** and more Accounts are designed specifically for your business Benefits of our Business Checking Accounts * Subject to approval. ** $6 monthly fee for paper statements. Get started with a business checking account! Let's Go Help Me Decide Let's talk about your financial goals and see which business checking account is right for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our business checking accounts! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

CFSB is one of the oldest home mortgage loan companies in West Kentucky. Use our vast real estate knowledge and various financing programs to buy your dream home. Various Financing Programs Competitive Rates Refinancing Available Friendly, Local Service MORTGAGE LOANS Let's get you moved with a home mortgage loan. Welcome home, neighbor! We've called West Kentucky our home since 1890. Let us welcome you to the community with a competitive mortgage loan by filling out our online loan application today! Apply Now / Lending / Mortgage Loans / Competitive mortgage rates for home purchase, refinance, or construction Available for primary residences, second homes, vacation homes, or investment properties A wide range of terms customized to your unique situation Experienced loan officers with working knowledge of the Western Kentucky real estate market Free pre-approval for extra confidence when buying your home Refinance your current home to potentially lower your rate Local decision-making and processing right here in Western Kentucky Customized, friendly service from our experienced lending team Variety of financing programs available: Fixed-rate mortgages Adjustable-rate mortgages (ARMs) USDA Rural Housing Loans FHA Loans VA Loans Construction Loans Benefits of our Mortgage Loans We currently only accept online applications from our immediate lending area (KY, MO, IL, IN, and TN). If you are outside this area, please call us for assistance with your loan application. Meet our Residential Lending team! Let's Go "I've applied, what's next?" After you've submitted your application, our team will be hard at work looking things over and moving it through the loan process. In the meantime, you can click here and log in to view your loan status. 1. Check out the Rates Make an informed choice before you buy. Check out the latest rates for mortgages with CFSB before you apply. Check Rates 2. Apply Online Apply for your home loan from anywhere online in minutes. Submit your application and our team will take it from there! Apply Now 3. Home Owner Education Resources Help yourself get prepared for a mortgage by completing a free homeowner education course! Get Started Next steps to getting you Home Help Me Decide Let's talk about your financial goals and see which Mortgage Loan is right for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our Mortgage Loans! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note

Learn more about the benefits of using CFSB's ag equipment loans to repair or purchase up-to-date equipment. Contact us today to talk about your options! Competitive rates for new and used equipment Stay ahead of the competition Keep your operation running smoothly with up-to-date equipment Customized terms, designed around the needs of your agribusiness Meet needs without cutting into working capital or savings Avoid lapsed periods in production and outdated equipment Quick, local decision making and processing Friendly, West Kentucky service from start to finish Benefits of our Ag Equipment Loans Please note that this loan is only currently available to residents of Kentucky, Missouri, Illinois, Indiana, and Tennessee. All loans are subject to credit approval. AGRICULTURE EQUIPMENT LOANS Get the best equipment to stay ahead Your ag operation depends on having equipment that can get the job done. We can help keep things running smoothly with a flexible equipment loan. Our ag equipment loans are the perfect way to get your agribusiness that much needed new piece of equipment or the funds to fix existing equipment without cutting into your working capital or savings. We offer competitive rates and flexible terms that work around the needs of your business. Get Started Business / Business Lending / Ag Equipment Loans / Meet our Commercial Lending Team! Let's Go Competitive Rates Flexible Terms Local Decisions Friendly Service Help Me Decide Let's talk about your financial goals and see if an Ag Equipment Loan is right for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about our Ag Equipment Loans! View Locations Thank a Banker Did someone on our team go above and beyond? Leave a thank-you note so we can celebrate them! Write a Note