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 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. Diversity Policy 2025 CFSB was named Best Place to Work in Kentucky! Read More From Fortune Magazine. ©2026 Fortune Media IP Limited. All rights reserved. Fortune is a registered trademark of Fortune Media IP Limited and is used under license. Fortune Magazine and Fortune Media (USA) Corporation are not affiliated with, and do not endorse products or services of, CFSB. FORTUNE 2026 Fortune Best Medium Workplaces™ #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

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

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

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 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 Brittany Story Residential Lender 270-395-3019 Benton Banking Center NMLS #: 1499098 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 Crystal Price Residential Lender 270-395-3005 Calvert Banking Center NMLS #: 1216640 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 Owens Residential Lender 270-527-6047 Park Avenue Banking Center NMLS #: 989705 Send Email Kara Johnston Residential Lender 270-727-6124 Park Avenue Banking Center NMLS #: 222087 Send Email Check out our personal loans! Let's Go

Finance or refinance your dream home, buy a new vehicle or ATV. Finance your life goals with a personal loan from CFSB. Apply online or visit us today. Home Loans Mortgage Loans Affordable financing for home purchase, refinance, or construction Available for primary residences, second homes, vacation homes, and more Variety of terms – tailored to your unique demands Learn More Home Equity Loans Turn the equity in your home into financing for almost anything Available as a lump-sum loan, backed by home equity as collateral The interest you pay may be tax-deductible* Learn More Home Equity Line of Credit (HELOC) Turn the equity in your home into ongoing, affordable financing Revolving credit — more value generated as you make payments The interest you pay may be tax-deductible* Learn More Consumer Loans Auto Loans Finance a new or used vehicle at a competitive rate Flexible repayment terms tailored specifically to you Learn More Powersports & RV Loans Fund the recreational or sports vehicle of your dreams Enjoy competitive loan rates on a wide range of new or used vehicles Learn More Motorcycle Loans Finance a new or used motorcycle at a competitive rate Flexible repayment terms specific to your situation - up to 90% loan to value financing! Learn More Personal Term Loans Set your budget as large as your dream - we can finance it! Competitive, fixed loan rates available for a wide range of needs Flexible terms and monthly payments to fit your budget Learn More Help Me Decide Let's talk about your financial goals and see which Personal 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 Personal Loan 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 Meet our Residential Lending team! Let's Go PERSONAL LOANS Financing for homes, vehicles, and everything in-between. / Lending / Dare to dream big! Finance long-standing life goals or short-term investments with our wide variety of loans and credit options. Find the most competitive interest rates for your dream home or set your path in uncharted territories in a new RV, boat, or ATV.

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

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 /

CFSB offers competitively priced farm loans to help your farm or business grow. Learn more and contact us if a farm loan is a good fit for you! Competitive Rates Flexible Terms Local Decisions Friendly Service FARM LOANS Empowering your agricultural dreams Our farm loans are designed to cover a multitude of agribusiness needs - everything from crop lines of credit to general farm-related needs. If your business is ever in the need for immediate access to funds with flexible terms and competitive interest rates, our farm loans may be a good fit. Our experienced loan officers are happy to provide you with the friendly, West Kentucky service you expect from start to finish. Get Started Business / Business Lending / Farm Loans / Cover a number of agribusiness needs Experienced loan officers Immediate access to funds when you need them Quick, local decision-making and processing Flexible terms and competitive interest rates available A variety of programs are available, including: Crop production lines of credit Operating lines of credit Equipment financing Land financing General farm-related needs Benefits of our Farm 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 a Business Term 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 Business Term 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 how we are giving back to students in our service area with the CFSB Student Scholarship! CFSB STUDENT SCHOLARSHIP The CFSB Scholarship / About Us / CFSB Student Scholarship / We are proud to partner with our local school districts to offer $1,000 scholarships to 20 graduating seniors so they can pursue their post-graduation plans - whatever that may be! Our scholarship is different because applicants don't have to be taking the traditional route of a 4-year college or university to apply. Graduates can be going directly into the workforce, trade school, military, community college, or whatever they desire. This means that ALL students are eligible (and encouraged) to apply! 2026 Scholarship Recipients Brilee Garland Calloway County High School Halle Allred Calloway County High School Jackson Ames Calloway County High School Aubrey Robinson Murray High School Naya James Murray High School Alizabeth Norsworthy Graves County High School Joseph Lonsway Graves County High School Kyler Simpson Mayfield High School Lilly Cox Mayfield High School Lucy Chandler Northside Baptist Christian School Abbigayle Hart Marshall County High School Charles Rouw Marshall County High School Ethan Haynes Marshall County High School Rylee Inglish Marshall County High School Andrew Reynolds Titus Christian Prep School Audrey Estes McCracken County High School Owen Richards McCracken County High School Mariah Shumpert Paducah Tilghman High School Avery Brown Paducah Tilghman High School Kylie Beasley Community Christian Academy` How do I apply? The application period for the 2025-26 scholarship program is currently closed! The 2027 scholarship application will open in January of 2027. History Explore how our bank's commitment to local growth and our communities has shaped a legacy over the years. Learn More Who We Are 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 Careers Discover rewarding career opportunities where you can grow professionally while making a meaningful impact. Learn More 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 how to order your CFSB checks with our in-house check printing services. Submit your check order today! Help Me Decide Let's talk about your financial goals and see if an Individual Retirement 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 Individual Retirement 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 / Resources / Order Checks / ORDER CHECKS Quality checks printed in-house All checks are printed locally, in-house at our Benton Banking Center. You can place your order in-person at one of our banking centers, or online — just complete the order form below and one of our representatives will be in contact with you to confirm your order! Can't make it in to pickup your checks? No worries - we offer flat rate shipping of $8 for personal orders and $12 for business orders! Order Checks Personal Check Stock Let's talk about your financial goals and see if an Individual Retirement Account is right for you! View Options Business Check Stock Visit us in person to get face-to-face assistance with any questions you may have about our Individual Retirement Accounts! View Options Font Styles We help make your checks uniquely yours by allowing you to choose from a variety of font styles! View Options Check Pricing Get excellent pricing on locally-printed checks with our in-house printing services! View Pricing Check Order Form Are you ordering Business or Personal checks today? Business Personal Next

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, 2025, CFSB celebrated its 135th 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 250 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

(888) 226-5669 Open 24 hours Back to Locations Draffenville Banking Center 23 U.S. 68, 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 Draffenville 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