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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 & Certified Checks:

Checks are available with no service fee.

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!

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!

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

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)

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

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

 

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

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.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

Telephone Banking

Save time by Banking via Phone!!

270-385-9695

Bank of Columbia

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)

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.