Services

Deposit Products

Personal Checking Account

Service Fee on this account is $3.00/month if the average daily balance for the statement cycle is below $300.00. This $3.00 service fee shall not apply to those below age 18 or above age 62.

Minimum deposit to open this account is $100.00
Other Fees that may be applicable.

Feel free to call our Main Office at 270-384-6433
or our Branch Office at 270-384-2579 for more information today!

$5 Checking Plus

All of the following service for only $5.00 a month!! Minimum deposit to open this account is only $100.00

Unlimited Checking:

Use all the checks you like and never see a per-check charge again.
Feel free to call our Main Office at 270-384-6433
or our Branch Office at 270-384-2579 for more information today!

Free Personalized Checks:

Receive all the personally imprinted club checks you need FREE. Your Special Member Checks will be printed with your name and address at no cost to you. If you do not want to use the Special Member Checks, you may choose any checks from our catalogs and receive a credit on the purchase equal to the invoice price the bank pays for the Special Member Checks.

Common Carrier and 24-Hour Accidental Death Insurance:

You will be covered for $10,000.00 in accidental death insurance 24 hours a day per account. Your coverage increases to $100,000.00 when you travel by licensed Common Carrier. You can double your coverage to $20,000.00 for only $1.00 more a month or you can have $30,000.00 coverage for only $2.00 more a month. These insurance limits are divided equally between multiple owners of a single account.

Cashier's Checks

Free for Checking Plus customers.

Free Notary Services:

Use our notary service free. We will be happy to notarize your official documents at no charge.
Other Fees that may be applicable.

Feel free to call our Main Office at 270-384-6433
or our Branch Office at 270-384-2579 for more information today!

Business Checking

Service Fee on this account is $3.00/month if the average daily balance for the statement cycle is below $300.00. 

Minimum deposit to open this account is $100.00

Other Fees that may be applicable.

Money Market Account

Feel free to call our Main Office at 270-384-6433
or our Branch Office at 270-384-2579 for more information today!

Personal Savings Account

Minimum Deposit to open $10.00

Other Fees that may be applicable.

Feel free to call our Main Office at 270-384-6433
or our Branch Office at 270-384-2579 for more information today!

Christmas Club Account

Minimum Deposit to open $5.00

Feel free to call our Main Office at 270-384-6433
or our Branch Office at 270-384-2579 for more information today!

Vacation Club Account

Minimum Deposit to open $5.00

Feel free to call our Main Office at 270-384-6433
or our Branch Office at 270-384-2579 for more information today!

Certificate of Deposit Accounts

Feel free to call our Main Office at 270-384-6433
or our Branch Office at 270-384-2579 for more information today!

Individual Retirement Accounts (IRA)

Feel free to call our Main Office at 270-384-6433
or our Branch Office at 270-384-2579 for more information today!

What do I need to bring to open an account?

Personal/Consumer accounts: 

  1. Driver’s license or other photo ID showing name and current address
  2. If primary identification does not contain current address, bring a bill or paystub showing your current address. 
  3. Social Security # (bring card for minors)

Business accounts: 

  1. Driver’s license or other photo ID showing name and current address of each signer and/or beneficial owner.
  2. Articles of Incorporation for a corporation, Articles of Organization for a LLC, Partnership Agreement, or other formal agreement showing the formation of the company.
  3. Resolution-Operating Agreement or minutes from a meeting depicting who is authorized to open the account and make transactions.

Loan Services

Conventional Residential Loans:

One-to-Four Family
Five or More Dwelling Units

Governmental Loan Programs:

Federal Housing Authority (FHA)
Kentucky Housing Corporation (KHC)
Rural Housing Service (RHS)
Veterans Administration (VA)
Federal Home Loan Mortgage
Corporation (FHLMC)

Commercial Loans:

Commercial Real Estate
Development
Capital Purchases
Working Capital

Consumer Loans:

Auto
Mobile Homes
Boats
Personal
Expense

Agriculture Loans:

Farm Real Estate
Annual Operating Capital
Capital Purchases
FSA Guaranteed and Subordinated

Community Investment Loans:

Service Organizations
Churches
Chamber of Commerce
Local Government
Local College

Other Loan Types:

Housing Rehabilitation
Home Improvement
Residential Rental Property
Small Business and U. S. Small Business
Administration (SBA)

What do I need to bring to apply for a loan.

Consumer/Personal: 

  1. Driver’s license or other photo ID showing name and current address
  2. If primary identification does not contain current address, bring a bill or paystub showing your current address.
  3. Although not required to apply, we can expedite the decision process if you bring a current pay-stub, most recent W-2, or award letter.  (2 years tax returns and 2 months bank statements for a mortgage loan)

Business: 

  1. Driver’s license or other photo ID showing name and current address of each signer and/or beneficial owner.
  2. Articles of Incorporation for a corporation, Articles of Organization for a LLC, Partnership Agreement, or other formal agreement showing the formation of the company.
  3. Resolution-Operating Agreement or minutes from a meeting depicting who is authorized to open the account and make transactions.
  4. Although not required to apply, we can expedite the decision process if you bring your last 2 years personal tax returns and 2 years business tax returns if applicable. 

Apply for a Consumer Loan Online!

Safe Deposit Boxes

Annual Fees

3 x 5 x 21

$8.00

3 x 10 x 21

$15.00

5 x 5 x 21

$15.00

5 x 10 x 21

$25.00

10 x 10 x 21

$50.00

Replacement of Lock Due to Lost Key

$50.00

 

Bank-by-Mail

By request, we will send you a free supply of self-addressed envelopes which you can use to mail in your deposits and/or payments.

Telephone Banking

Save time by Banking via Phone!!

270-385-9695

Bank of Columbia

To activate, change, or set a pin number for debit cards
Call the IVR system 1-800-992-3808

Telephone Banking transactions:
You may access your account(s) by telephone using your personal identification number (PIN), touch tone phone and account number(s) to:

transfer funds from checking to checking, savings and money market accounts
transfer funds from savings to checking, savings and money market accounts
transfer funds from money market to checking, savings and money market accounts
make payments from checking to line of credit and loans
make payments from savings to line of credit and loans
make payments from money market to line of credit and loans
get balance information about checking, savings, certificates of deposit, line of credit, loans and money market accounts

You may access your account(s) for telephone transactions at the following number.
(270)385-9695
(24-hours a day 7 days a week)