The Lauderdale County Bank invites you to join one of our new customer service programs. We offer a wide variety of accounts.  One of which will be perfect for your banking needs.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. 

ATM & Debit Cards

Our 24-hour teller allows deposits, withdrawals, transfers, and inquiries on checking or savings accounts. You can also use your ATM card at Point-of-Sale locations and your Debit card where Mastercard is accepted for the ease of purchases without check writing.

    305 South Church Street, Halls

    331 Cleveland Street, Ripley 

To report your debit card lost or stolen, please call 1-800-472-3272 immediately.

Please call one of our customer service reps at 731-836-5000 or 731-635-0500 for more details on any of our services.


We love to help our friends buy the home of their dreams. Whether it's your first home or a retirement home, come in to either of our offices and let our loan officers help you find the loan that's exactly right for YOU.


Consumer loans available for automobile or other personal purchases. 

Call for rates and info.


Both 1st and 2nd mortgage loans are available.

Contact one of our
Mortgage Loan Originators: 

᛫ Greg Crihfield 476529

᛫ Russell Davidson 478372

᛫ Virginia Harris 472672


FDIC insurance covers all deposit accounts at insured banks and savings associations, including checking, NOW (Negotiable Order of Withdrawal) accounts, savings accounts, money market deposit accounts, and certificates of deposit (CDs) up to the insurance limit.

The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased these products from an insured bank or savings association.


  • A basic savings account that allows up to six withdrawals per quarter with no penalty.
  • A $1.00 fee will be imposed for each subsequent debit up to fourteen.
  • A $5.00 fee will be imposed for each debit over fourteen.
  • $100.00 to open.
  • Interest compounded quarterly and credited to your account.
  • If you close your account before interest is credited, you will not receive the accrued interest.


  • Requires at least a $10.00 deposit to open.
  • A $5.00 fee for withdrawal prior to November 1.
  • Subsequent withdrawal will result in closure of the account.
  • Interest compounded annually and will be credited to your account at the time of payment of principal.
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • Maximum opening deposit is $400.00 and maximum deposit per month thereafter is $400.00.


Freedom Account 
Benefits include:
  • $100.00 to open
  • $5.00 monthly service charge, reduced to $3.00 if customer goes "paperless"
  • Free Internet Banking
  • Images of checks/deposits via Internet Banking
  • Initial order of printed checks free
  • Bill Pay Service
  • Free Stop Payments
  • Monthly Statement with Images via U.S. Mail
  • Free Copies
  • Free Ready Reserve
  • 25% discount on Lockbox rental (3x5)
  • Free Faxes

Liberty Checking --

  • No monthly service charge regardless of your balance
  • Unlimited check writing.
  • Available to all individuals.
  • $100.00 deposit to open.

Senior or Student Checking --

  • Tailored for our senior citizens and students
  • No monthly service charge.
  • $100.00 deposit to open.
  • Free Special Senior Club checks

Board of Education Checking --

  • Tailored for persons employed by the Lauderdale County Board of Education
  • No monthly service charge
  • Free Club Checks.
  • $100.00 deposit to open.

Business Account --

  • Tailored for businesses
  • $100.00 deposit to open.
  • A minimum balance fee of $7.50 will be imposed every month if the daily balance falls below $500.00 any day of the month.


Eagle Club Checking

Benefits include:

  • Our top of the line account
  • compare it to any check club anywhere and you will agree, no other club account comes close.
  • $100.00 to open.
  • $8 club fee monthly
  • Free Notary Service
  • Free ready reserve transfers
  • No Charge for Stop Payments
  • 25% discount on lock box rentals
  • Two boxes of checks per year free
  • Unlimited Check writing

Super NOW Account --

  •  An interest bearing account that offers unlimited check writing.
  • $1,250.00 deposit to open.
  • A $10.00 fee will be imposed every month the daily balance falls below $1,250.00 on any day.

Money Market Investment Account --

  • An interest bearing account with limited check writing.
  • $2,500.00 deposit to open.
  • A $10.00 fee will be imposed every month the daily balance falls below $2,500.00 on any day.
  • Six debits are allowed each month and a $5.00 fee for each subsequent debit.


Call one of our branches for a complete listing of the CDs we offer and their rates.

305 South Church
Halls, TN 38040


331 Cleveland Street
Ripley, TN 38063