Online Banking Login

Online Banking First Time Login Instructions

  1. Use your existing login ID and click login
  2. The system will ask you for your security code. Your security code is:
    • a. Login ID + last four of SSN
    • Example: If your login ID is jdoe and your Social Security Number is 123-45-6789, then your secret answer will be jdoe6789
  3. The system will then walk you through an initial registration process. You will choose new security questions, a new security image, a new security phrase, and a new password
  4. If we do not currently have an email address for you on file, the system will prompt you to enter a valid email address at this time. Your email address may be used for password resets, account alerts and institutional communication.

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    Identity theft happens when someone steals your personal information and uses it without your permission. It’s a serious crime that can wreak havoc with your finances, credit history, and reputation — and can take time, money, and patience to resolve.


    Identity theft is an unfortunate fact of modern life. Do you know what to do if your identity is stolen? How can you make identity protection part of your routine?

Main Office

    • 1362 Hindman Bypass
    • PO Box 786
    • Hindman, KY 41822
    • Telephone: 606-785-3158
    • Fax: 606-785-3162
  • Lobby Hours

    • 8:00 a.m. - 3:00 p.m. Monday - Thursday
    • 8:00 a.m. - 5:30 p.m. Fri
    • 8:00 a.m. - 12:00 p.m. Saturday (Drive Through Only)

W.R. Smith Branch

    • 55 Holly Hills Villa Rd
    • Mallie, KY 41836
    • Telephone: 606-785-4104
    • Fax: 606-785-4522
  • Lobby and Drive-Through Hours

    • 8:00 a.m. - 3:00 p.m. Monday - Thursday
    • 8:00 a.m. - 5:30 p.m. Friday
    • 8:00 a.m. - 12:00 p.m. Saturday