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 - 2025, Marshall County Tribune Courier Reader's Choice Awards #1 Employer in Marshall County 2021-2025, Marshall County Tribune Courier Reader's Choice Awards Best Places to Work in Kentucky 2020-2025, Medium Sized Business Category

(888) 226-5669 Open 24 hours Back to Locations Calloway North ATM 1721 N 12th St, Murray, KY, USA (888) 226-5669 Mailing Address: Location Hours Lobby Hours Monday - Friday Drive-Thru Hours Monday - Thursday Friday Saturday Contact Us Get Directions ABOUT THIS LOCATION Calloway North ATM 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

CFSB is proud to assist you in qualifying for special loan programs available through the Kentucky Ag Finance Corporation (KAFC) and Farm Service Agency (FSA). SPECIALTY AG LOAN PROGRAMS Special programs for unique situations CFSB is proud to assist you in qualifying for special loan programs available through the Kentucky Ag Finance Corporation (KAFC) and Farm Service Agency (FSA). Our experienced loan officers are well-versed in special ag loan programs. The primary objective of these special loan programs is to assist our underserved communities in securing competitively-priced, fixed-rate financing for their new or existing agricultural business. This includes programs for first-time farmers, long-term farmers, minorities, and women-led ag businesses. Get Started Business / Business Lending / Specialty Ag Loan Programs / Benefits of our Specialty Ag Loan Programs Programs with Kentucky Ag Finance Corporation (KAFC), Farm Service Agency (FSA), and Farmer Mac Lenders experienced with FSA, KAFC, and Farmer Mac loan products Repayment terms customized to fit your operation's unique needs Whatever it is your agribusiness needs, we can help you finance it Competitive rates for a wide range of agribusiness-related needs: Working capital Equipment Livestock Inventory Vehicles Real estate Irrigation systems and more * Applicable to certain loan programs and collateral. Speak with one of our loan officers to find the best fit for your situation. 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. Competitive Rates Flexible Terms Fixed Rates* Wide Range of Uses Meet our Commercial Lending Team! Let's Go Help Me Decide Let's talk about your financial goals and see if a Specialty Ag Loan Program 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 Specialty Ag Loan Programs! 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 Community Business Savings account is one of CFSB's most popular business savings accounts. Learn about the benefits and apply for an account today! Interest Accrued Daily Competitive, Tiered Rates Free Digital Banking Interest Paid Quarterly COMMUNITY BUSINESS SAVINGS Let your balance work for you! Get the most out of your savings balance with competitive, tiered earnings. You'll also retain easy access to your funds. Whether you're a small mom and pop or a large corporate venture, our Community Business Savings account has the best of both worlds. A secure, fee-free account that allows your money to grow by just being in the account. Request Info Business / Business Savings / Community Business Savings / Designed specifically for your business No monthly service fees, ever Free digital banking Federally insured by FDIC up to $250,000 $100 minimum deposit to open Free ATM card for CFSB ATM's and LTM's Competitive, tiered interest rates* The higher your balance, the higher your rate Interest compounded daily and paid quarterly Benefits of the Community Business Savings Account *Interest rate subject to change at any time. Fees may reduce earnings. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. View all of our business savings accounts! Let's Go Help Me Decide Let's talk about your financial goals and see if our Community Business Savings 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 Community Business Savings account! 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 offers a simple way to save with a modern tiered-rate system with the Community Savings account. PREMIER ADVANTAGE SAVINGS Put your balance to work! Enjoy the benefits of keeping your balance liquid in a savings account that pays you in the mean time. The more you save, the more you can earn with our competitive, tiered interest rates. Apply Now / Personal Savings / Premier Advantage Savings / Free Digital Banking Competitive, Tiered Rates Interest Paid Monthly Interest Accrued Daily Let your higher balance earn you more Competitive, variable rate updated monthly* Available for personal and business account holders Allows your balance to earn while remaining liquid $50,000 minimum deposit to open Interest compounded daily and paid monthly No monthly maintenance fee Free digital banking Free ATM card for CFSB ATMs and LTMs Federally insured by FDIC up to $250,000 Benefits of the Premier Advantage Savings Account * Interest rate subject to change at any time. Fees may reduce earnings. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. View all of our savings accounts! Let's Go Help Me Decide Let's talk about your financial goals and see if a Community Savings 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 Community Savings account! 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 CFSB's remote deposit capture service and how it allows you to deposit checks from the comfort of your office. Contact us today! REMOTE DEPOSIT CAPTURE Save time and money with Remote Deposit Capture Make ACH transactions, direct deposits, and much more. Streamline your records and reduce accounting errors with Cash Management. With around-the-clock access, you will be able to do wire transfers, pay vendors via ACH, direct deposit your employees' paychecks, and directly bill your customers from the comfort of your home or office. Get Info Business / Business Services / Remote Deposit Capture / Faster Processing Enhanced Fraud Protection Deposit In-House Reduce the number of trips to the bank Fewer errors in accounting Enhanced security and fraud protection Payments are processed faster Less time spent preparing documents for deposits Deposit checks from the comfort of your own office Consolidate deposits from multiple locations Automated transaction validation and balancing Make deposits even when the bank is closed* Transaction log includes check images and data for up to two years Benefits of Remote Deposit Capture Check out our other Business Services! Let's Go Help Me Decide Let's talk about your financial goals and see if Remote Deposit Capture 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 Remote Deposit Capture! 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 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

Safely and securely send money to friends and family instantly with Zelle®. Learn more today! Digital Banking / Zelle / Zelle® Learn more about Digital Banking! Let's Go Have Questions? Our team is ready to answer any questions you have about Zelle®! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about Zelle®! 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 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

Learn more about how CFSB's Home Equity Lines of Credit are great for turning home equity into revolving credit for any expense! Competitive Rates Flexible Terms Local Decisions Friendly Service HOME EQUITY LINE OF CREDIT (HELOC) What is a HELOC? You can think of a Home Equity Line of Credit as using the equity in your home to make purchases on a wide range of needs. Turn the equity in your home into affordable, ongoing financing. This includes, but is not limited to, home improvements, tuition, new vehicles or vehicle repairs, and much more! Apply Now / Lending / Home Equity Lines of Credit (HELOC) / Terms tailored to your specific needs Revolving credit - available balance replenishes as you make payments Customized, friendly service from our experienced lending team Only pay interest on the part that you use Local decision making and processing right here in Western Kentucky The interest paid may be tax deductible* Benefits of a Home Equity Line of Credit *Consult a tax advisor All loans are subject to credit approval We currently only accept online applications from our immediate lending area (Counties, including Calloway, Graves, Livingston, Lyon, Marshall, and McCracken). If you are outside this area, please call one of our banking centers for assistance with your loan application. Meet our Residential Lending team! Let's Go Help Me Decide Let's talk about your financial goals and see if a Home Equity Line of Credit 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 Home Equity Line of Credit! 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

Discover more about CFSB's rich history and tradition that started with humble beginnings back in 1890. Follow the progression of how we've continued to grow in Western Kentucky! HISTORY Becoming Western Kentucky's Community Bank / About Us / History / Until 1890, commerce had always been slowed in Marshall County, Kentucky because there was no bank. When construction of the Paducah, Tennessee and Alabama Railroad began in 1889, a number of county businessmen set in motion plans to incorporate a bank. In March of 1890, a bill was introduced in the General Assembly in Frankfort. This bill received final approval on April 16, 1890, thus Community Financial Services Bank (CFSB) was born. The capital stock of CFSB was initially $12,500.00. Deeply rooted in the growth of Western Kentucky From this humble beginning, CFSB has not only grown financially to more than $1.2 billion, but the bank itself has become an institution in Western Kentucky. CFSB has also grown from its original site on the Benton Court Square to three Marshall County Banking Centers with two locations in both McCracken and Calloway County, and a single banking center in Graves County. On April 16, 2020, CFSB celebrated its 130th anniversary. It is because of you, our valued clients, that we have been able to become Western Kentucky’s Community Bank! We recognize our role as a Community Bank in the communities we serve. We believe in supporting and giving back to these communities and focus our corporate giving in the areas specifically designed to assist youth, improve education, aide community development and support the arts. Please join us in going down memory lane from our humble beginnings to our current financial institution employing over 300 team members. 1890 Bank of Benton chartered and incorporated (First bank established in Marshall County). Pictured is The Bank of Benton's first vault. $26,221.46 in assets at year-end 1972 Aurora Banking Center Opened $26,486,000 1966 Bank of Benton moved to 1012 Main Street $13,111,000 1974 Draffenville Banking Center Opened $30,722,000 1974 First Watermelon Bust $30,722,000 1981 Benton Bancorp (Holding Company) Formed $70,338,000 1985 Formation of CFSB Investments $86,762,000 1988 Operations Building Opened $133,290,000 1987 Benton Bancorp Purchased Calvert Bank $121,122,000 1997 Benton Bancorp Changed to Community Financial Services Inc. $187,388,000 1999 Fifth Street Banking Center Opened $223,921,000 2001 Calvert Bank Incorporated into Bank of Benton $315,751,000 2004 McCracken County Banking Center Opened $323,998,000 2007 New McCracken County Banking Center Built $383,345,000 2007 Bank of Benton Name Changed to Community Financial Services Bank $383,345,000 2008 Calloway County Banking Center Opened $436,326,000 2010 CFSB Acquired Lifetime Naming Rights to CFSB Center at Murray State University $528,527,000 2012 Benton Banking Center Building Completed $608,438,000 2017 McCracken Southside Banking Center Opened $1.06 Billion 2020 Calloway County Sycamore Banking Center Opened $1.237 Billion 2019 Graves County Banking Center Opened $1.23 Billion 2021 McCracken County Lone Oak Live Teller Machine Opened $1.44 Billion 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

CFSB offers a simple way to save with a modern tiered-rate system with the Community Savings account. Learn about the benefits and apply for an account today! COMMUNITY SAVINGS Let your balance do the saving for you A simple, free savings account that let's your balance work for you with competitive, tiered interest rates. The more you save, the more you earn. Apply Now / Personal Savings / Community Savings / Interest Accrued Daily Free Digital Banking Interest Paid Quarterly Competitive, Tiered Rates Save for a specific goal or a rainy day Free digital banking Federally insured by FDIC up to $250,000 $100 minimum deposit to open Free ATM card for CFSB ATM's and LTM's Competitive, tiered interest rates * The higher your balance, the higher your rate Interest compounded daily and paid quarterly Benefits of the Community Savings Account * Interest rate subject to change at any time. Fees may reduce earnings. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. View all of our savings accounts! Let's Go Balance Rate APY $0 - $9,999.99 0.05% 0.05% $10,000 - $24,999.99 0.10% 0.10% $25,000 - $99,999.99 0.15% 0.15% $100,000 - $249,999.99 0.20% 0.20% $250,000 and up 0.25% 0.25% Community Savings Account Rates Apply Online Help Me Decide Let's talk about your financial goals and see if a Community Savings 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 Community Savings account! 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