Established in 1887, Cullman Savings Bank offers residential construction and home equity loans. The bank is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender. It provides student checking, money market deposit, platinum savings and individual retirement accounts. Cullman Savings Bank also offers direct deposit services. The bank provides online banking services that feature account information, money transfer between accounts and bill payments. It offers certificates of deposit, as well as safe-deposit boxes. The bank provides check and credit cards. In addition, Cullman Savings Bank offers annuity contribution, simple retirement payment, estate tax and wealth calculators.