Get paid up to two days early with CFSB’s Community Choice Checking account. Enjoy no monthly maintenance fees, easy digital banking, and nationwide ATM access. Key Features: Free Digital Banking and eStatements* Free foreign ATM fees (4/month) Free Discover debit card (tap-to-pay/mobile wallet compatible) $100 minimum deposit to open $5 monthly service charge Overdraft forgiveness (4/year)** Get paid sooner with Early Pay! With CFSB's new Early Pay feature, waiting for payday is a thing of the past. Now, you can access your paycheck up to two days early—at no extra cost. Whether it’s groceries, bills, or a weekend getaway, Early Pay gives you the financial flexibility you need, right when you need it. Available with eligible direct deposits. Benefits of the Community Choice Checking Account * $3 monthly fee for paper statements. ** Subject to approval. 4 overdraft fees refunded per calendar year. 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. No Minimum Balance Early Pay Enabled Unlimited Debits and Deposits Free Digital Banking Compare our checking accounts! Let's Go Help Me Decide Let's talk about your financial goals and see if the Community Choice 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 Community Choice Checking 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 COMMUNITY CHOICE CHECKING Why wait for payday? With Community Choice Checking, you get access to your paycheck up to two days early—giving you more freedom and flexibility with your finances. It's your money—why not get it sooner? Apply Now / Personal Checking / Community Choice Checking /

(888) 226-5669 Open 24 hours Back to Locations Benton Banking Center 221 W 5th St, Benton, 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 Benton 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

Learn more on how you can leverage your savings to help grow your business with our simple savings account. PREMIER BUSINESS ADVANTAGE SAVINGS Let your balance work for you Get the most out of your savings balance while retaining easy access to your funds. Whether you're a small mom and pop or a large corporate venture, our Premier Business Advantage 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. Get Info Business / Business Savings / Premier Business Advantage Savings / Competitive, Tiered Rates Interest Accrued Daily Interest Paid Monthly Free Digital Banking Let's your higher balance earn more No monthly service fees, ever Free digital banking Overdraft protection available* Federally insured by FDIC up to $250,000 $50K 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 monthly Benefits of the Premier Business Advantage Savings Account * Subject to approval. ** 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 the Premier Business Advantage 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 Premier Business Advantage 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 our Commercial Team, their contact information, and what location you can visit them at. Get in touch with us today! Meet Our Business Development Team Tyler Cope Business Development Officer 270-992-6554 Sycamore Banking Center Send Email Dallas Conner Business Development Officer 270-527-4675 Benton Banking Center Send Email Amy Flint Business Development Officer 270-727-6141 Graves County Banking Center Send Email Jennifer McIntosh Business Development Officer 270-441-8781 Southside Banking Center Send Email Meet Our Commercial Lending Team Aaron Dail Commercial Lender 270-767-3394 Calloway Sycamore Banking Center NMLS #: 1705093 Send Email Jason Pittman Senior Commercial Lender, Market President 270-767-3377 Calloway Sycamore Banking Center NMLS #: 501098 Send Email Stephen Crouch Commercial Lender, SBA Lender 270-767-3375 Calloway Sycamore Banking Center NMLS #: 2396944 Send Email Jenna Creel Commercial Portfolio Manager 270-767-3376 Calloway Sycamore Banking Center NMLS #: 1520510 Send Email Matt Scoggins Sr. Commercial Lender, Market President 270-727-6128 Graves County Banking Center NMLS #: 1808751 Send Email Kane McCord Commercial Lender 270-727-6131 Graves County Banking Center NMLS #: 2085924 Send Email Stephanie Hays Commercial Lending Administrative Assistant 270-727-6149 Graves County Banking Center NMLS #: 2249003 Send Email Brooke Lawson Commercial Lending Administrative Assistant 270-727-6147 Graves County Banking Center NMLS #: 228888 Send Email Chase Wallace Sr. Commercial Lender 270-527-6037 Benton Banking Center NMLS #: 501104 Send Email Maryanna Moryl Commercial Lender 270-527-6416 Benton Banking Center NMLS #: 1610688 Send Email Peyton Porter Commercial Lender 270-527-4613 Benton Banking Center NMLS #: 1966968 Send Email Adam Fisher Commercial Lending Administrative Assistant 270-992-6603 Benton Banking Center NMLS #: 2401060 Send Email Shari Smith Commercial Lending Administrative Assistant 270-527-4605 Benton Banking Center NMLS #: 1747541 Send Email Angela Mathis Meyer Senior Commercial Lender, Market President 270-441-8788 Southside Banking Center NMLS #: 501093 Send Email Seth Helton Commercial Lender 270-906-7281 Southside Banking Center NMLS #: 2629580 Send Email Will Cox Commercial Lender 270-906-7289 Southside Banking Center NMLS #: 1994080 Send Email Matt Rogers Commercial Lending Administrative Assistant 270-444-5506 Southside Banking Center NMLS #: 2754095 Send Email Blake Davis Commercial Lending Administrative Assistant 270-444-5502 Southside Banking Center NMLS #: 2683016 Send Email Check out our business loan options! Let's Go

Learn more about who our Residential Lenders are, their contact information and what location you can visit them at. Get in touch with us today! Meet Our Residential Lending Team Justin Hendrick Residential Lender 270-767-3382 Calloway North NMLS #: 838221 Send Email Sawyer Lawson Residential Lender 270-767-3378 Calloway North NMLS #: 1769386 Send Email Michelle Orr Residential Lender 270-767-3389 Calloway North NMLS #: 1486512 Send Email Zach Calhoun Residential Loan Originator 270-992-6558 Calloway North NMLS #: 1899044 Send Email Gale Pruett Residential Lending Assistant 270-727-6133 Graves County Banking Center NMLS #: 1986480 Send Email Grant Orr Residential Lender 270-727-6143 Graves County Banking Center NMLS #: 501096 Send Email Kara Johnston Residential Lender 270-727-6124 Graves County Banking Center NMLS #: 222087 Send Email Brittany Story Residential Lender 270-395-3019 Calvert Banking Center NMLS #: 1499098 Send Email Crystal Price Residential Lender 270-395-3005 Calvert Banking Center NMLS #: 1216640 Send Email Jared Vincent Residential Lender 270-527-6055 Benton Banking Center NMLS #: 1615228 Send Email Cara Chandler Residential Lending Assistant 270-527-6086 Benton Banking Center NMLS #: 1558295 Send Email Andrew Baker Consumer Lender 270-527-6093 Benton Banking Center NMLS #: 1695236 Send Email Chase York Residential Lender 270-527-6456 Benton Banking Center NMLS #: 1618495 Send Email Laura Bailey Residential Lending Assistant 270-906-7292 Park Avenue Banking Center NMLS #: 1846004 Send Email Quent Smith Residential Lender 270-441-8787 Park Avenue Banking Center NMLS #: 1120656 Send Email Rustin Egner Residential Lender 270-527-6054 Park Avenue Banking Center NMLS #: 501086 Send Email Nathan Terry Residential Lender 270-444-5508 Park Avenue Banking Center NMLS #: 1337269 Send Email Rhonda Batts Residential Lender 270-527-6047 Park Avenue Banking Center NMLS #: 989705 Send Email Check out our personal loans! Let's Go

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

Learn more about the benefits of using CFSB's ag real estate loans to expand your operation, refinance your existing farm, or purchase new property. AGRICULTURE REAL ESTATE LOANS Expand your footprint or start a homestead Once you find the right real estate for your ag operation, we can support you with friendly, affordable financing with flexible terms. Our lending professionals have a working knowledge of the local ag real estate market. When your dream property is available for sale, we'll be ready to help you close the deal with our quick, local decision making and processing. We offer competitive rates for the purchase, refinance, or construction of agricultural properties. Get Started Business / Business Lending / Ag Real Estate Loans / Competitive Rates Flexible Terms Local Decisions Friendly Service Friendly, West Kentucky service from start to finish Competitive rates for the purchase, refinance, or construction of agricultural properties Available for owner-occupied or investment properties Repayment terms customized to fit the needs of your agribusiness Lending professionals with working knowledge of the local ag real estate market Quick and local decision making and processing Benefits of our Ag Real Estate 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. Meet our Commercial Lending Team! Let's Go Help Me Decide Let's talk about your financial goals and see if an Ag Real Estate 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 Real Estate 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

Apply for our premium checking account with no minimum balance, unlimited checking deposits, and no monthly service fees. Free digital banking and competitive interest rates. COMMUNITY PLUS CHECKING Your balance does the heavy lifting Let your money earn more for you with competitive, tiered interest rates in our Community Plus Checking account! Apply Now / Personal Checking / Community Plus Checking / % Competitive, Tiered Interest Rates No Withdrawal Limitations No Transaction Fees Free Digital Banking Free, interest-bearing checking account Free eStatements* No monthly qualifications to earn interest Unlimited check writing and deposits 4 CFSB foreign ATM transaction fees waived per month No monthly service fees, ever No minimum balance requirement $100 minimum deposit to open Free digital banking Overdraft protection available** Competitive, tiered interest rates Benefits of the Community Plus Checking Account * $3 monthly fee for paper statements ** Subject to approval 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. Compare our checking accounts! Let's Go Balance Minimum Required Opening Deposit Minimum Balance to Obtain Yield Rate APY $0 - $9,999.99 $100 - 0.05% 0.05% $10,000 - $24,999.99 $100 $100 0.10% 0.10% $25,000 - $99,999.99 $100 $100 0.15% 0.15% $100,000 - $249,999.99 $100 $100 0.20% 0.20% $250,000 and up $100 $100 0.25% 0.25% Community Plus Checking Rates Apply Online Help Me Decide Let's talk about your financial goals and see if a Community Plus 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 Community Plus Checking 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

(888) 226-5669 Open 24 hours Back to Locations Calvert LTM 456 5th Ave, Calvert City, KY, USA (888) 226-5669 Mailing Address: PO Box 467, Benton, Kentucky 42025 Location Hours Lobby Hours Monday - Friday Drive-Thru Hours Monday - Thursday Friday Saturday Contact Us Get Directions ABOUT THIS LOCATION Calvert LTM 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

Gain more control and access over CFSB accounts with personalized 24/7 online and mobile banking. RESOURCES & TOOLS Banking tools and resources / Resources / Utilize CFSB's vital banking tools and resources to order checks, download forms and applications and much more. Make an informed decision before creating your investment goals. Here, you'll find the best assets to manage your personal and business accounts with us. Our free tools and resources can help you conquer all of your banking needs. 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 Helpful Banking Resources Order Checks Order your checks directly from CFSB. Pick-up in person at one of our banking centers or have them delivered. Our in-house check printing service makes ordering checks a breeze. Learn More Routing Number CFSB's routing number is 083903328. See where and how to locate the routing and account number on your checks below. Show Me Forms & Documents Find a library of forms, applications, and other resources all in one place. Read directly from your browser or download as a PDF. View Now For Sale By Bank Get great deals on properties and vehicles directly from CFSB sales and auctions. Check out the current cars, boats, real estate and more listed for sale. View Items Rates We strive to keep our deposit and loan rates competitive. Get the current market view by taking a look at our most up-to-date rates. Check Rates Additional Services Coin counting machines, safe deposit boxes, telephone banking, wire transfers, and more. Check out our additional in-branch services to boost your financial well-being. Learn More Sponsorship Request We're always looking for ways to give back to our community! If you or your organization have a need, please let us know how we can help by submitting a sponsorship request. Submit a Request Fraud Security Tips Keep yourself educated on the latest fraud trends and equip yourself with our recommended best practices to protect your financial wellbeing. Learn More The CFSB Scholarship Program Check out how we are making an impact in the lives of local high school seniors and how you can apply! Learn More News & Blog Read More

Learn more about how CFSB's home equity loans can help yo turn the equity from your home into funds today! Competitive Rates Flexible Terms Local Decisions Friendly Service HOME EQUITY LOANS Turn your equity into possibilities Needing some extra funds but don't want to take out a traditional loan? Home Equity Loans allow you to use the existing equity you have in your home and borrow against it. Use those funds for major life events, home remodel projects, debt consolidation and more! Apply Now / Lending / Home Equity Loans / Loan amount based on loan-to-value ratio No prepayment penalty The existing equity in your home is used as collateral backing Competitive rates for different short-term or one-time needs Accommodating repayment terms that work uniquely for you Local decision making and processing right here in Western Kentucky Customized, friendly service from our experienced lending team The interest paid may be tax deductible* Benefits of our Home Equity Loans *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 which Home Equity 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 Home Equity 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

Find a savings account that works for you. CFSB caters to your financial needs with competitive, tiered interest rates, from short-term expenses to long-term goals. PERSONAL SAVINGS ACCOUNTS Maximize your savings goals today with CFSB / Personal Savings / Whether it's for a rainy day fund or to save for your golden years with our Individual Retirement Accounts (IRAs), we're here to help you meet your savings goals. Time Deposit Accounts Certificates of Deposit (CDs) Better earnings than a regular savings account Competitive, fixed rates for the length of term No setup or maintenance fees Learn More Individual Retirement Accounts (IRAs) Monthly interest payments - higher than regular savings accounts No minimum balance requirements, annual, or setup fees Traditional and Roth options available Learn More Savings Accounts Community Savings Simple, straightforward savings account with all the essentials Competitive, tiered interest rates to reward your higher balance No minimum balance requirements Learn More Premier Advantage Savings All the perks of our Community Savings account, plus more Your higher balance helps you earn even more Interest is compound daily and paid monthly Learn More Health Savings Account (HSA) Gain control over your healthcare expenses No monthly service fee or minimum balance requirements Earn tax savings benefits Learn More Help Me Decide Let's talk about your financial goals and see which Personal 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 Personal Savings 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 CURRENT CD SPECIALS 9-MONTH SPECIAL 3.69% APY Apply Now 13-MONTH SPECIAL 3.49% APY Apply Now