Eagle Financial Services, Inc. is a bank holding company. The Company conducts its operations through its subsidiary, Bank of Clarke County (the Bank). The Bank offers a range of retail and commercial banking services, including demand, savings and time deposits and consumer mortgage and commercial loans. The Bank also has a merchant services program, which allows its commercial customers to accept credit card payments. The Bank has 16 automation teller machinery (ATM) locations in its trade area and issues both ATM cards and Debit cards to deposit customers. The Bank offers telephone banking, internet banking and mobile banking to its customers. Internet banking also offers online bill payment to consumer and commercial customers. The Bank offers other commercial deposit account services, such as automated clearing house (ACH) origination and remote deposit capture.