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Cullman Savings Bank

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Cullman Savings Bank is a community bank located in Cullman, Alabama. The bank was founded in 1910 and has been serving the community for over a century. Cullman Savings Bank offers a range of financial products and services, including personal and business banking, loans, mortgages, and wealth management services. The bank's mission is to provide its customers with personalized service and competitive products while contributing to the growth and success of the community. Cullman Savings Bank has four branches located in Cullman, Hanceville, Holly Pond, and Vinemont, Alabama, and offers online and mobile banking services to its customers.


Cullman Savings Bank offers banking services to individuals and businesses in the Cullman County area of Alabama. The specific requirements for opening an account may vary depending on the type of account and other factors. However, in general, the bank may require the following information and documents:

  1. Personal identification. A valid government-issued ID, such as a driver's license, passport, or state ID.

  2. Tax identification number. The customer's social security number or employer identification number.

  3. Proof of address. A utility bill or other document that verifies the customer's address.

  4. Minimum deposit. Some accounts may require a minimum deposit to open.

  5. Business documentation. If opening a business account, the bank may require additional documentation, such as articles of incorporation, a business license, or a partnership agreement.

It's important to note that these are general requirements and the bank may have specific requirements or policies that vary depending on the type of account and other factors. It's best to contact the bank directly or visit their website for more information on specific account requirements.

Cullman Savings Bank Products

Cullman Savings Bank offers a range of key features to its customers, including:

  1. Checking accounts. Cullman Savings Bank offers several checking account options, including free checking and interest-bearing checking. Some accounts offer no monthly fees, overdraft protection, and free online and mobile banking.

  2. Savings accounts. Cullman Savings Bank offers a variety of savings accounts, including regular savings, money market savings, and certificates of deposit (CDs). These accounts offer competitive interest rates and low minimum balance requirements.

  3. Loans. Cullman Savings Bank provides a variety of loan options, including personal loans, auto loans, and mortgages. Customers can apply for loans online, by phone, or in person.

  4. Credit cards. Cullman Savings Bank offers a range of credit cards with low interest rates, rewards, and no annual fees. Customers can choose from Visa and Mastercard options.

  5. Online and mobile banking. Customers can access their accounts online and through the Cullman Savings Bank mobile banking app, which allows them to view account balances, make transfers, and pay bills.

  6. Business services. Cullman Savings Bank provides a range of business services, including checking and savings accounts, business loans, and merchant services.

Overall, Cullman Savings Bank provides its customers with a variety of financial products and services to help them manage their finances and achieve their financial goals.

Which associations the Cullman Savings Bank belongs to?

Cullman Savings Bank is a member of the Federal Deposit Insurance Corporation (FDIC). However, as a state-chartered mutual savings bank, it is not a member of any credit union associations.

Bank Reliability

Bank reliability can be determined through several factors such as the bank's financial health, history, customer reviews, and regulatory compliance. Some of the factors that can indicate bank reliability include:

  1. Financial health. A bank's financial stability can be assessed by reviewing its financial statements, including its balance sheet, income statement, and cash flow statement.

  2. History. The bank's track record, including its reputation and length of operation, can also be a good indicator of its reliability.

  3. Customer reviews. Reviews from existing customers can provide insight into a bank's customer service and overall customer experience.

  4. Regulatory compliance. Banks that are compliant with all relevant regulations are more likely to be reliable and trustworthy.

  5. Insurance coverage. Banks that are insured by the Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA) can provide an added layer of protection to customers.

It's important to conduct thorough research and due diligence when selecting a bank to ensure it is reliable and trustworthy.

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