Community-focused bank offering checking, savings, mortgages, auto loans, and modern digital banking through online and mobile platforms with 32,000 MoneyPass ATMs.
Data compiled from public sources · Rating from CreditDoc methodology
Bank of Franklin County positions itself as a community-focused financial institution serving the next generation of banking customers. The bank emphasizes personal relationships and local investment alongside modern financial technology. Based on their website messaging, they operate branches in the Franklin County area and are expanding their physical footprint with new 'Smart Branch' locations that blend advanced banking technology with innovative design.
S. Government. Bank of Franklin County offers a comprehensive suite of retail banking services including checking and savings accounts, with a specialized teen checking product (BFC Basic) for ages 13-15 designed to build financial responsibility.
They provide mortgage lending with experienced specialists for home purchase and refinance scenarios, auto financing with flexible options, and credit products including a Visa Real Rewards card. Digital banking tools include online bill pay, mobile banking with account balance checks and mobile check deposit, and account transfer capabilities. Their ATM network spans 32,000 MoneyPass locations nationwide, positioning them as accessible for travel and regular banking needs.
The bank differentiates itself through three primary pillars: community focus (stated investment in local communities), a friendly and caring staff across phone and branch channels, and convenient digital access. Their Interactive Teller Machine (ITM) network represents a technology-forward approach, allowing customers to interact with live tellers remotely through drive-thru experiences. The teen checking account demonstrates targeting of younger demographics and financial education.
They also emphasize rewards programs and free ATM access through their nationwide network partnership. Bank of Franklin County appears to be a legitimate regional community bank with FDIC insurance and standard banking offerings. The website content is professional and marketing-focused rather than detailed about specific terms, rates, or fees.
Their emphasis on modernization and youth engagement suggests they are positioning for growth beyond traditional banking. However, prospective customers will need to contact them directly or visit branches for specific rate information, minimum balance requirements, and detailed product terms not disclosed on the website.
Bank of Franklin County processed 111 mortgage applications in 2023, approving 89.2% of applicants across 1 states.
111
Applications
89.2%
Approval Rate
$243K
Avg Loan
1
States Served
Based on 111 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Yes. Bank of Franklin County is a registered company, headquartered in Washington, MO, founded in 2000.
Account opening typically takes 1-3 business days. Loan decisions vary by product.
CreditDoc Diagnosis
Bank of Franklin County is best for community-focused consumers in the Franklin County area seeking traditional banking with modern digital conveniences, particularly families with teenagers. The main caveat is that specific product terms, rates, and fees are not available on their website, requiring direct contact with the bank to compare competitiveness against other regional and national banking options.
FDIC-insured bank offering personal and business checking, savings, loans, mortgages, and investment services with mobile deposit capabilities.
Best for: Customers seeking FDIC-insured deposits with integrated personal and investment banking services, Small to mid-sized business owners wanting dedicated business banking with personal service
Bank Northwest is a traditional community bank offering personal and business banking services including checking, savings, loans, and retirement accounts with both branch and online banking options.
Best for: Local customers seeking relationship banking with regional institutions, Business owners and agricultural operators needing specialized business banking
Family-owned community bank serving Iberia and Waynesville, Missouri since 1899, offering full-service personal and business banking with three generations of local ownership.
Best for: Local banking with personal service, FDIC-insured deposits
Answer 3 quick questions to see if this provider matches your needs.
1. What's your primary financial goal?
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Bank of Franklin County and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.