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Personal Products and Services

You’ll find that Security State Bank and Trust is large enough to handle all your banking needs and yet...small enough to know you by name.
We offer competitive products and services and remain committed to providing our customers with all services necessary to accomplish financial goals.
Listed are many of the services and products we offer with features that provide the Security State Bank and Trust advantage.

Products

Regular Checking

  • Available to all individuals
  • Minimum balance to open - $100
  • Service charge based on minimum daily balance
  • Unlimited check writing privileges
  • Free Internet Banking and Free Bill Pay
  • Monthly statement with check images
  • Free ATM/Checkcard - foreign ATM charges apply
  • Free 24 Hour Toll Free Customer Service
  • $700 *Overdraft Privilege after 30 days with at least $300 in deposits in that 30 day period

Free Checking

  • Available to all individuals
  • Minimum balance to open - $100
  • No monthly service charge
  • No minimum balance requirement
  • Unlimited check writing privileges
  • Free Internet Banking and Free Bill Pay
  • Monthly descriptive statement - no images or cancelled checks returned
  • Duplicate checks required - 1st 50 free with initial paid check order
  • $400 *Overdraft Privilege after 30 days and at least $300 in deposits in that 30 day period
  • Free ATM/Checkcard - foreign ATM charges apply
  • Free 24 hour Toll Free Customer Service
  • 2 statement copies per monthly cycle at no cost upon request

See Personal Schedule of Account Service Charges

Personal Interest Checking

  • Available to all individuals
  • Minimum balance to open - $1000
  • Interest bearing account
  • Interest compounded monthly and credited to the account monthly
  • 2 Tiered Rates
  • Free Internet Banking and Free Bill Pay
  • 50 free debit transactions monthly
  • $1,000 Minimum daily balance to avoid service charge
  • No service charge or excess transaction fee when a $7,500 average daily balance is maintained
  • $700 *Overdraft Privilege after 30 days with at least $300 in deposits in that 30 day period

See Personal Schedule of Account Service Charges

Money Market Accounts

  • Available to all individuals
  • Interest bearing account
  • Free Internet Banking
  • Interest compounded monthly and credited to the account monthly
  • Minimum balance to open - $2,500
  • Minimum daily balance to avoid service charge - $2,500
  • Transfers or withdrawals by check, debit card or similar order payable to third parties are limited to six (6) per month
  • Transfers or withdrawals made in person, by mail or at an ATM have no monthly amount restriction.

See Personal Schedule of Account Service Charges

Personal Savings Accounts

  • Available to all individuals
  • Minimum deposit of $50 required to open
  • No minimum daily balance requirement
  • Free Internet Banking
  • Interest bearing account
  • Withdrawal fee in excess of 2 during a monthly statement cycle

See Personal Schedule of Account Service Charges

Security 55 Checking Accounts

  • Available to all individuals 55 years or older
  • Must have direct deposit of a payroll check, pension/retirement, social security or other government benefit
  • Minimum balance to open - $100
  • Non-interest bearing account
  • No service charge
  • Free Internet Banking and Free Bill Pay
  • No minimum balance requirement
  • Free Checks – 2 wallet style check orders per calendar year
  • Safe Deposit Discount – ½ rental on 5 X10 or smaller
  • Free travelers checks, cashiers checks and money orders
  • Free Notary Service
  • $700 *Overdraft Privilege after 30 days with at least $300 in deposits in that 30 day period

See Personal Schedule of Account Service Charges

Internet Banking

  • Basic Internet Banking – FREE

  • Easy, convenient access to your money anytime, anywhere

  • View account balances, history and monthly statements

  • Transfer funds between Security State Bank and Trust accounts

  • Download account history and import into Quicken, QuickBooks or Money

  • Send/Receive secure E-mails direct to Internet Banking Services

  • Reorder Checks

  • Buy Savings Bonds

  • Request Documents

  • Change Address Information

  • Email us at internetbanking@ssbtexas.com for further information

Internet Banking - Bill Pay

  • FREE
  • Pay recurring, occasional and one-time bills
  • Receive E-bills
  • View payment activity
  • Pending Payment feature
  • Maintain payment history
  • On Time Payment Guarantee
  • Quick Bill Setup feature
  • Bill Pay Reminder
  • E-Mail alert capability to remind you about your bill payments
  • Email us at internetbanking@ssbtexas.com for further information

*

  • Available for eligible personal checking account customers.

This provides the advantage for customers to write checks for more than their existing balance in an overdraft status at a fee per check presented. Rather than automatically returning unpaid any insufficient funds items, we will consider, without obligation on our part, payment of your reasonable overdrafts.

  • You can avoid high charges from merchants for returned checks
  • You have new convenience and flexibility in managing your funds
  • Payment of Overdrafts up to $700 ($400 on Free Checking accounts) will normally be considered.

Normal non-sufficient funds or overdraft charges will apply to each item presented that create an overdraft on the account.

Certificates of Deposit

  • Available to individuals, associations, organizations, corporations, etc
  • Minimum deposit to open range from $500 and up depending on term
  • Interest rates are tiered by term and amount from 1 month to 5 years
  • Interest may be paid monthly, quarterly, or semi-annually, by check, or can be directly deposited into another account
  • Certificates will automatically renew unless otherwise specified
  • May be pledged as collateral on a loan

IRA (Individual Retirement Accounts)

  • Available to individuals under the age of 70 ½ with earned income
  • Minimum deposit to open range from $100 and up depending on term
  • Interest rates are tiered by the term of the certificate from 3 months to 5 years
  • Various terms and products available to fit individual needs
  • FDIC insured up to $250,000.00

Other Products & Services

Free 24 hour Telephone Customer Service - (866) 990-2865
Dial Toll Free for all inquiries 24 -7 at no cost
  • ATM/Checkcard
  • ATM Card
  • Money Orders
  • Cashiers Checks
  • Night Depository
  • Traveler’s Checks – American Express “Accepted Anywhere”
  • Bank by Mail
  • Telephone Transfers
  • Safe Deposit Services
  • Credit Card Cash Advances
  • Wire Transfers
  • Direct Deposit
  • Series E. Savings Bonds
  • EE Bonds
  • Collection Services