We, at Beardstown Savings, take our customers' and employees' health and safety very serious especially during this time national emergency with COVID-19.  With that said, we have closed our lobbies until at least April 30, 2020 at each of our locations in response to concerns with the COVID-19/Coronavirus outbreak. We will continue to serve customers through our drive-up facilities, night drops, ATMs and electronic banking services.

Closing the lobbies is not an easy decision. It is a step to ensure we can remain open, even though it is in a more limited capacity, to serve you, our customer.  Public health officials have made strong recommendations for social distancing to further attempt to slow the spread of COVID-19 so we are practicing that internally as a staff and external when interacting with our customers.

At this time, appointments are available for loan requests, opening of new deposit accounts and other needs that require access to the bank.

Providing ongoing banking services is our primary mission and we will remain open to help our communities navigate this difficult situation.  We will continue to update our website but please follow our Facebook page for the most up-to-date information and changes.  Updates will be posted to the bottom of this page with date and time stamps to help with communication.

Deposit Services:

    Use our drive-thru (open 8:00a.m. to 4:00p.m. Monday - Thursday; 8:00a.m. to 5:00 p.m. Friday; 8:00a.m. to 12:00p.m. Saturday)

      We have an ATM at our Beardstown location, if you need to withdraw cash after hours.

        Use the night drop. We will be checking the night drop several times a day with a final check at 4p.m.

          Appointments for other services will be available, as needed. Please call.

          Loan Services:

            Existing applications, your loan officer will continue to work on your request. You can contact them with any questions.  New applications, please call and a loan officer will work with you.

              Appointments will be available, as needed.  Due to disruption in service providers, mortgages might be delayed.  We are working diligently on them and hope to process as quick as possible.

              If you have been negatively affected by COVID-19, please call us and we will provide payment options and relief, as much as possible, to assist you through these difficult times.

              Scams/Fraud Attempts:

              Finally, please be wary of scammers trying to use this outbreak to scare you into giving them information they can use to steal your identity or take advantage of you in any way. If you receive a call or email from anyone asking for your personal information, even if it appears to be from our bank, please do not provide information to them. If you receive a phone call or email asking for information, do not respond and instead call us at the numbers listed above.

              If you have any questions about your banking with Beardstown Savings Bank please contact us at:

                Beardstown - Main Office: 217-323-1400

                  Mt. Sterling Office: 217-773-3388

                  Thank you for banking with Beardstown Savings!


                  Rich Eckert - President & CEO

                  UPDATES TO COVID-19

                  Update (4/3/2020 at 2:00 a.m.): We are collecting applications for the Payment Protection Program (PPP) from the Small Business Administration (SBA) as part of the CARES Act.  Information can be found at and here is a link to the final application:

                  If you would like to submit an application, we will need the form completed along with your 2019 payroll numbers to have as supporting documentations.  Applications and other questions can be sent to

                  Update (3/31/2020 @ 1:45pm): We are offering Loan Assistance for those customers who have been negatively impacted by COVID-19.  To request assistance and the application, please email or call one of our locations today.

                  Update (3/27/2020 at 10:26 a.m.): We have extended our lobbies being closed until Monday, April 13, 2020.  We continue to monitor the fluid situation and will make future changes as we see fit.  Additionally, we are offering applications for loan assistance for customers who have been negatively impacted by COVID-19.  Call one of the two locations to request the application.  Finally, we will have another food distribution of 'snack packs' tomorrow (3/28/2020) from 11:00 a.m. to 1:00 p.m. at our Beardstown location.

                  Update (3/21/2020 at 9:33 a.m.): Beardstown Savings, its Directors, Employees, and close Friends and Familes have donated/committed $3,000.00 to date to help feed students and children through this difficult time.  Today, from 11:00 a.m. to 1:00 p.m. we will be distributing 'snack packs' to students at our Beardstown location.  Limited quantities are available and will be given out First Come, First Serve.