Telephone Banking

Access your account information 24 hours a day, 365 days a year. All you need is a touchtone phone and your account information will be right at your fingertips.

Phone: (270) 526-5577

Toll Free: (866) 526-5577

Overdraft Protection and Privilege1 

If money is running a little short, we have options available to protect you from returned checks and excess fees. We offer the ability for our customers to transfer funds automatically from designated accounts or existing lines of credit. Eligible account types will be given a discretionary $100 Overdraft Privilege limit at account opening. Once the account has been opened for 30 days it will be removed from the initial offering and future discretionary limits may be given based on the same criteria as all other accounts.

Be aware an item or transaction may be presented multiple times and we do not monitor or control the number of times an item or transaction is presented. The bank may charge an NSF fee each time an item or transaction is presented if the account is insufficient, regardless of the number of times the item or transaction is presented.


Safe Deposit Boxes2 

Store valuables, important documents and keepsakes in one of our convenient safe deposit boxes located at our Main Office and Highway 70 Branch in Morgantown; as well as our Morgantown Road Branch in Bowling Green. Renter receives 2 keys which are required to be returned if box is closed. Key Replacement charges will apply ($50 each) if not returned. Deposit account is required. Safe Deposit Boxes are NOT insured by the FDIC. 


General Services

  • Wire transfers 
  • Cashier’s checks 
  • Direct deposit 
  • Gift cards 


1Terms, Conditions and Fees apply to our Overdraft Protection and Privilege products. There is a fee of $30.00 each time you access Overdraft Privilege with a daily maximum of four (4) insufficient funds/NSF fees that can be accessed per account per day. You can access Overdraft Privilege by writing checks, in-person withdrawals, ACH transactions, preauthorized automatic transfers, and other electronic transactions. Overdraft Privilege service will only be available for our customers’ ATM and everyday debit card transactions if they authorize the bank by completing a consent form. For Overdraft Privilege customers, you have 30 days to bring your account back to a positive balance.? Whether overdrafts are paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, if you are not making regular deposits, or if you have too many overdrafts. 

2Contents are not insured or guaranteed by the bank, the FDIC, or by any other government agency.