The Murray Bank, founded in 1999, is a locally chartered, independent financial institution. It provides a full range of banking products and services to individuals, businesses and organizations. It offers loans, mortgage products, and personal, business, phone and online banking services. Its personal banking services include checking, savings, money market and individual retirement accounts. The bank also offers merchant services that provide competitive rates on Visa, MasterCard and Discover card transactions. It provides a wide variety of loan products, including commercial, consumer and real estate loans. The Murray Bank has a financial services division that offers annuities, mutual funds, life insurance, tax-advantaged investments, and stocks and bonds. The bank is located in Murray, Ky.