Molecular view of virus

COVID-19 Response

We are continuing to monitor and follow guidelines from the Centers for Disease Control and Prevention (CDC), as well as local, state, and public health authorities. Social distancing is highly encouraged to help contain the spread of the Coronavirus. As such, we have adjusted our customer service methods to help protect the health and safety of our employees, customers, and the community we serve.

How We’re Serving You

In Person

It is out of abundance of caution, and for the safety and well-being of our employees and customers that all branch offices will only offer drive-thru services to conduct in-person transactions effective Thursday, March 19, 2020, until further notice. As a reminder, our drive-thru hours are as follows:

  • Monday-Thursday 7:45 a.m. to 5:00 p.m.
  • Friday 7:45 a.m. to 6:00 p.m.
  • Saturday 8:00 a.m. to 12:00 p.m. (Prewitt & Eubank drive-thrus only)

By Appointment

The bank is fully operational and ready to assist with customers’ banking needs. If you need to apply for a loan, open an account, access your safe deposit box, or need other specialized care that is best done in person, please contact a banking representative at 606-679-9361 or 1-800-679-9361. We will be happy to schedule an appointment to assist you as promptly as possible.  If you need to talk with a specific employee, you may use this list.

Digital Banking Options

For the safest and most convenient banking experience, we encourage you to access your account(s) from home using Cumberland Security Bank’s digital banking services, which allow you to:

If you need assistance accessing, using, or registering for these services, please contact us at 606-679-9361 and select option #2.

Also, please remember that our ATMs at all branch locations are capable of accepting deposits.


Help for Small Businesses and Non-Profits

The U.S. Small Business Administration (SBA) offers Economic Injury Disaster Loans (EIDL) to help businesses survive until normal operations resume after a disaster. They may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. We encourage all businesses with potential cash flow issues caused by the coronavirus to explore this option.

These loans offer:

  • Amounts up to $2 million
  • Interest rates of 3.75% for small businesses and 2.75% for non-profits (as of 3/27)
  • Repayment terms of up to 30 years

You may be eligible for an EIDL if you are located in a declared disaster area and are one of the following types of businesses:

  • Small Business
  • Small agricultural cooperative
  • Most private nonprofit organizations

Further details are available at

Apply online at

We understand this is a difficult time for our local businesses. Our commercial lenders Mark Ross and Ben Wilburn are here to help you with any questions you have or with any of your business concerns. Please contact us today!

Mark Ross

Ben Wilburn


A Reminder About Your Financial Safety & Security

In light of recent developments related to the coronavirus, the Federal Deposit Insurance Corporation (FDIC) is reminding Americans that FDIC-insured banks remain the safest place to keep their money. The FDIC is also warning consumers of recent scams where imposters are pretending to be agency representatives to perpetrate fraudulent schemes.


More Information

We will continue to closely monitor the situation and evaluate additional measures to support our customers and communities as the need arises.
For additional information about COVID-19, visit the Centers for Disease Control (CDC) at

For information about coronavirus in Kentucky, visit

If you have any questions, please contact Cumberland Security Bank at 606-679-9361 or 1-800-679-9361. We value your relationship and appreciate your understanding.