The bank, 'The Kumbakonam Bank Limited' as it was then called was incorporated as a limited company on 31st October,1904. The first Memorandum of Association was signed by twenty devoted and prominent citizens of Kumbakonam including Sarvashri R. Santhanam Iyer, S.Krishna Iyer, V.Krishnaswami Iyengar and T.S.Raghavachariar. Shri T.S.Raghavachariar was the First Agent of the Bank.  In 1908, he was succeeded by Shri R. Santhanam Iyer who became the Secretary of the bank under the amended Articles of Association which created the office of a Secretary to be in charge of the Bank's Management in the place of the Agent, which post he held till his death in 1926.   He was succeeded by Shri. S. Mahalinga Iyer as Secretary who subsequently became the First full-time Managing Director of the bank in tune with the amendment of Articles in 1929.  He held the position of Secretary from 1926 to 1929 and that of  Managing Director from 1929 to 1963.

 The bank in the beginning preferred the role of a regional bank and slowly but steadily built for itself a place in the Delta  District  Thanjavur.   The first Branch of the Bank was opened at Mannargudi on 24th January 1930.  Thereafter, branches were opened at Nagapattinam, Sannanallur, Ayyampet, Tirukattupalli, Tiruvarur, Manapparai, Mayuram and Porayar  within  a  span of  twenty five years.  The Bank was included in the  Second Schedule of Reserve Bank of India Act,1934, on 22nd March 1945.

Monthly Savings
 
Sri Chakra Deposit
 
VIP Deposit
 
Flexifix Deposit
 
CUB Smart Deposit
 
Tax Saver Silver Deposit Account
 
Tax Saver Gold Deposit Account
 
Resident Foreign Currency-Domestic
 
Insurance linked Savings Bank accounts – “CUB Excel”
 
Insurance linked Monthly Savings Deposit – “CUB Apoorva”