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

Explore CFSB's Business Savings account options designed for Western Kentucky entrepreneurs. Learn about our competitive interest rates, flexible terms, and personalized service that help your business grow while keeping your funds secure. Start saving today! Savings Accounts Community Business Savings Offers better returns than a standard savings account Competitive, tiered interest rates to reward your higher balance No minimum balance requirements Learn More Premier Business Advantage Savings All the perks of our Community Business Savings account, plus more Your higher balance helps you earn even more Interest is compound daily and paid monthly Learn More BUSINESS SAVINGS ACCOUNTS Add peace of mind to your business Business / Business Savings / Our Business Savings accounts are designed with the success of your business in mind. Save for future growth, a rainy day, or whatever your business needs. 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 Get started with a business savings account! Let's Go Help Me Decide Let's talk about your financial goals and see which 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 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

Learn more about the benefits of using CFSB's ag lines of credit to fund long-term or seasonal needs. Contact us today to discuss your options! Competitive Rates Flexible Terms Local Decisions Friendly Service AG LINES OF CREDIT You grow it, we finance it Keep cash flow strong during seasonal fluctuations, or through major projects. Our line of credit tailored to your ag business can help. As seasons fluctuate, so do the financial needs of your agribusiness. Our ag lines of credit allow you to draw down funds as you need them in order to keep your business thriving. With a revolving line of credit, principal becomes available again once it's repaid - so you'll only pay interest on what you use. Get Started Business / Business Lending / Ag Lines of Credit / Provides greater financial flexibility Only pay interest on the part that's used Funds are easily accessible via check Quick, local decision making and processing Friendly, West Kentucky service from start to finish Repayment terms customized on your unique business needs Draw down funds as you need them to keep your agribusiness thriving Funds available as you need them; apply once then use again as needed thereafter Revolving credit with the flexibility to sync with your farms' needs: Seasonal fluctuations Inventory Capitalize on trade discounts Working capital Ongoing updates and more Benefits of our Ag Lines of Credit 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 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 Ag Lines 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

Learn more about CFSB's friendly and affordable business courier services. Let someone else run the errands for you. Contact us to get setup today! Flexible Schedule Reduced Liability Secure Transport Affordability Reduce your personal liability Deposit pickups available every day (Monday-Friday) Delivery of cash and coin to your business More affordable than an armored car service Automatic payments from your account Add layers of security for your business Benefits of our Courier Services Pickup times are subject to availability of open time slots on the current courier schedule. Explore our other Business Services! Let's Go Help Me Decide Let's talk about your financial goals and see if our Courier Service 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 Courier Service! 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 COURIER SERVICES Let us run the errands for you. Have your business' cash and coin securely delivered and picked up with our convenient and affordable courier services! From Monday to Friday, we offer affordable delivery and pickup of cash and coin directly to your business, providing a safer and more economical alternative to traditional armored car services. Reduce personal liability and save valuable time by letting our professional couriers manage your deposits efficiently. Get Started Business / Business Services / Courier Services /

Unlock your financial potential with CFSB. Explore personal and business banking services that have served value to our local community for over 130 years. Your Life. Your Bank. Who We Are Contact Us Reliable Financial Tools Mobile Wallet Shop securely without ever revealing your card information with CFSB Mobile Wallet. Card Controls Control your debit card at any time within our digital banking platform. Digital Banking, Enhanced. Bank on your time with our user-friendly mobile app! Manage your finances from your phone Safe, easy, and secure transactions Easily manage bill pay options Track income and expenses Take control of your money with our budgeting tools Careers Become part of our growing family! Join the Team Personal Checking Manage expenses with simple checking account options, free debit card & digital banking with no monthly service fees. Personal Savings Our savings accounts offer competitive returns on your short and long-term deposits. Home Loans Competitive, local mortgages and HELOC's with fixed and variable rate options to fit all your home loan needs! Personal Loans Fund your next big purchase with a Personal Loan from CFSB. Whether it's a car, boat, RV, or ATV, we've got you covered! Time Deposits Meet your future savings goals with our competitive Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs)! Personal Credit Cards Purchasing power is in the palm of your hand wherever you go when you have your CFSB Mastercard®. News & Blog View All Frequently Asked Questions The More You Know View All FAQs BETTER, LOCAL BANKING Take control of your finances with CFSB! 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!

Manage your business' invoices and customer payments easier with the help of Autobooks. Learn more today! Autobooks Business / Business Services / Autobooks / Check out our other Business Services Let's Go Help Me Decide Let's talk about your financial goals and see if Autobooks 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 Autobooks! 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