(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

The CFSB Commercial Credit Cards are accepted virtually anywhere and makes business easy. Learn about the benefits and how to apply today. Business / Commercial Credit Cards / COMMERCIAL CREDIT CARDS Helping your commercial business take care of business Commercial card solutions provide more purchasing power, stronger card management and controls, and benefits designed specifically for larger organizations. Get Started Competitive Rates Cash Back Streamlined Platform Friendly Service Benefits of Commercial Credit Cards Commercial Rewards Card An all-in-one scalable card solution for purchasing and travel spending. Streamlined expense reporting improves spend visibility and cash forecasting. Award-winning, intuitive platform integrates card, expense and travel management. No annual fee. Choice of points or cash rebates. Corporate liability; no personal guarantee. Apply Now One Card Manage all expenses with a comprehensive commercial payment solution. All-in-one platform that simplifies reconciliation, manages risk and improves operational efficiency. Detailed reporting and payment analytics to help with business decisions. Streamlined program administration and card controls. API integrations for common accounting systems. Corporate liability for all purchases. Apply Now Community Financial Services Bank. Member FDIC. Community Financial Services Bank is not affiliated with Elan Financial Services. The creditor and issuer of your charge card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. ©2026 Elan Financial Services. All trademarks are the property of their respective owners. Help Me Decide Let's talk about your financial goals and see if our Commercial 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 Commercial 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

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

CFSB offers campus checking accounts that fit all sizes and types of campus organizations. Get connected with our team to learn what option best meets your needs! CAMPUS CHECKING ACCOUNTS Easy, flexible, and built specifically for student organizations. Business / Campus Checking / We don’t believe in one-size-fits-all banking—and that includes student organizations. Campus Checking is tailored for student orgs-Student Government, Greek life, campus associations, and more! Campus Checking works for groups of any size, offering flexibility, no hidden fees, and powerful digital tools. 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 Overdraft protection available* $100 minimum deposit to open Free digital banking, including: Online banking Mobile Banking eStatements ** and more Accounts are designed specifically for student orgs Benefits of our Campus Checking Accounts * Subject to approval. ** $6 monthly fee for paper statements. Get started with a Campus Checking account! Apply Now Help Me Decide Let's talk about your financial goals and see if a Campus 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 Campus 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 when CFSB will be closed in observance of Federal holidays this year! 2025-26 HOLIDAY CLOSURES BANK HOLIDAYS Wondering if the bank is open or closed on an upcoming holiday? Check out the observed Holiday list below: Holiday Date Date Observed New Year's Day January 1st Thursday, January 1st Martin Luther King Day January 19th Monday, January 19th President's Day February 16th Monday, February 16th Memorial Day May 25th Monday, May 25th Juneteenth June 19th Friday, June 19th Independence Day July 4th Saturday, July 4th Labor Day September 7th Monday, September 7th Columbus Day October 12th Monday, October 12th Veterans Day November 11th Wednesday, November 11th Thanksgiving Day November 26th Thursday, November 26th Christmas Eve (Close at Noon) December 24th Thursday, December 24th Christmas Day December 25th Friday, December 25th Help Me Decide Let's talk about your financial goals and see what offerings are best for you! Contact Us Find a Location Visit us in person to get face-to-face assistance with any questions you may have about CFSB! View Locations 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 Calloway Sycamore Banking Center 414 S 12th St, Murray, 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 Closed Contact Us Get Directions ABOUT THIS LOCATION Calloway Sycamore 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

(888) 226-5669 Open 24 hours Back to Locations Calvert City Banking Center 456 5th Ave, Calvert City, 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 Closed Contact Us Get Directions ABOUT THIS LOCATION Calvert City 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 about CFSB's merchant card services and give your customers more ways to pay. Start accepting major debit and credit cards at your business today! In-House Support Competitive Pricing Accept Major Cards Stand-alone point of sale terminals and printers provided Give your customers more payment options Reduce float time, earning your interest faster Processing all major credit cards and debit cards 0% Competitive rates Mobile processing and virtual terminal/gateways Retail software applications Telephone electronic data captures Added record-keeping capabilities Benefits of Merchant Card Services Check out our other Business Services! Let's Go Help Me Decide Let's talk about your financial goals and see if Merchant Card Services 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 Merchant Card Services! 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 MERCHANT SERVICES It pays to accept cards Add convenience to the lives of your clients by accepting debit and credit cards at your business. Reduce float time, earning your interest faster. We provide stand-alone card terminals as well as receipt printers. Utilize our retail software applications to maximize the benefits of your merchant card services. Get Started Business / Business Services / Merchant Services /

Learn more about the benefits of using CFSB's commercial real estate loans to expand your business, refinance your existing real estate, or purchase new property. COMMERCIAL REAL ESTATE LOANS Build (or buy) the foundation of your business Our lending professionals have a working knowledge of the local commercial real estate market. When a dream location is listed 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 many types of commercial properties. Get Started Business / Business Lending / Commercial Real Estate Loans / Competitive Rates Flexible Terms Local Decisions Friendly Service Refinancing options available Fixed and adjustable rates available Construction loans also available Quick, local decision making and processing Experience loan officers with local market expertise Customizable commercial real estate loan solution Covers a number of business real estate needs, including: Purchases Rental income properties Business acquisitions Expansion loans and more Friendly, Western Kentucky service from start to finish Benefits of our Commercial 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 a Commercial Real Estate 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 Commercial 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

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

The Community Classic Checking account is one of CFSB's most popular and simple checking accounts. Learn about the benefits and apply for an account today! IT PAYS TO SWITCH! Get $100 when you open a Community Classic Checking account today!* Apply Now *Promotional Incentive Disclosure: This $100 checking account incentive is only available for new accounts opened between October 1, 2026, through November 1, 2026. To qualify, the account holder must complete at least 25 debit card purchase transactions during the promotional period which is October 1, 2026 through November 30, 2026. The account must remain open and be in good standing when the incentive is paid. Qualifying incentives, the $100 deposit, will be credited to the account by December 31, 2026. All criteria must be met before receiving incentive. Limit to one new account per social security number. Additional terms and conditions may apply. / Personal Checking / Community Classic Checking / COMMUNITY CLASSIC CHECKING Sometimes it's best to keep it basic A classic is something timeless and problem-free. The same can be said about our Community Classic Checking account! Apply Now Simple, free checking account No monthly service fees, ever Free eStatements* Unlimited check writing and deposits Overdraft protection available** No minimum balance requirement Free digital banking Free Discover debit card Free mobile wallet services $100 minimum deposit to open Benefits of the Community Classic 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. IT PAYS TO SWITCH! Get $100 when you open a Community Classic Checking account today!* Apply Now *Promotional Incentive Disclosure: This $100 checking account incentive is only available for new accounts opened between October 1, 2026, through November 1, 2026. To qualify, the account holder must complete at least 25 debit card purchase transactions during the promotional period which is October 1, 2026 through November 30, 2026. The account must remain open and be in good standing when the incentive is paid. Qualifying incentives, the $100 deposit, will be credited to the account by December 31, 2026. All criteria must be met before receiving incentive. Limit to one new account per social security number. Additional terms and conditions may apply. No Minimum Balance No Monthly Service Fee 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 Classic 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 Classic 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

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