Online Banking Access
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Telephone Banking

Every hour of every day you can access your accounts by phone to check balances, review transactions, check deposit rates or transfer funds between accounts.  For 24-hour access to your accounts, simply dial the following toll free number:


The first time you access one of your accounts, the system will prompt you for your Personal Identification Number. For initial access, please use the last four digits of your Social Security Number. You will then be prompted to enter your own personal identification number for future use.

Cumberland Federal Bank is committed to providing you with a wide range of products and services to meet your goals and enable you to manage your finances on your schedule- 24 hours a day.



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.