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Frequently Asked Questions

Don't See What You're Looking For?

If you don't find an answer to your question below, please contact us at or by calling any of our customer service representatives.

Q: How do I receive a wire into Cumberland Federal Bank?
A: Please contact a customer service representative for our wiring instructions.

Q: If I move, how do I change my address?
A: A change of address form is required to be signed, please contact a customer service representative.

Q: How do I email sensitive personal information to a Cumberland Federal Bank employee?
A: Please contact us or a customer service representative for our secure email instructions.

Q: How do I protect myself against identity theft?
A: Click here for tools on identity theft.

Q: Do you have a MOBILE BANKING APP?
A: Keep watching for more information to come.

Q: Can I access all of my transactions at any time?
A: Yes, you can access your transactions 24-hours a day, 7-days a week on ONLINE BANKING and Telephone Banking.

Q: How do I enroll in Online Banking?
A: Click here to view the enrollment form. Currently you can enroll by filling out the ONLINE BANKING form and providing it to the office.

Q: How do I enroll in Bill Pay?
A: By going into your online banking you can enroll in Bill Pay.

Q: What if I forget my ONLINE BANKING password?
A: In the event you misplace or forget your ONLINE BANKING password, you should call our office to receive assistance with resetting your password. It is important to note that after three consecutive invalid login attempts during one session your account will be locked for safety purposes.

Q: How secure is my Online account information?
A: We have taken every step possible to be sure that our system meets the latest security standards, including using the latest security encryption methods and software.

Q: Are Cumberland Federal Bank deposit accounts FDIC insured?
A: We encourage you to visit with one of our representatives if you have questions regarding Federal Deposit Insurance coverage on your accounts here. For official and up-to-date FDIC Information, please visit their website at

Q: How do I set up Direct Deposit of my payroll check?
A: If your employer participates in a direct deposit program, please contact a customer service representative or click here for account forms.

Q: Can I get information about my accounts by phone?
A: Yes, information on any of your accounts is available during business hours, or through Telephone Banking by calling us at (866)275-3262 or via ONLINE BANKING if you have requested that service. 


Ladysmith Branch


Cumberland Federal Bank


Cumberland Federal Bank is pleased to be a part of the Ladysmith community. With over 85 years of serving the Cumberland area, Cumberland Federal Bank looks forward to supporting the thriving commercial small business enterprises, community organizations and families that call Ladysmith home. Located at 312 W. 9th Street, North, Cumberland Federal Bank is a full service bank providing commercial banking services and traditional banking products with friendly exceptional service. Cumberland Federal Bank is now open Ladysmith to serve you.








New Scam Alert

There is a new scam involving online banking transfers. Fraudsters transfer money between accounts, then call pretending they need a refund. They ask money to be wired out. Be diligent in checking all of your accounts and ask bank personnel any questions. Watch for red flags such as: asking you to lie to bank personnel, saying they will give you money for your trouble, the person had no reason to give you money. Educate yourself: click on Education Center and Money IQ for information regarding scams.