Deposit Services

Checking Accounts

South Central State Bank has a wide variety of checking accounts.  From an individual checking account to a corporate checking account, we have the type of account that will suit your needs.

  • Central Advantage Checking

  • Regular Checking

  • NOW Account 

  • Money Market Account


Central Advantage Checking

This account is designed for customers that don’t want to worry about maintaining a certain account balance (minimum opening deposit required). This account offers unlimited transactions, free automatic transfer privileges, minimal monthly service charge, a Visa check card offered (monthly fee applies) and the capability to sign up for e-statements to avoid a monthly paper statement service charge.

Regular Checking
Our Regular Checking account provides a variety of options and services not available in the “Central Advantage” account.  This account offers unlimited check writing and no monthly service charge with a qualifying balance, a Visa Check Card offered (monthly fee applies) and Free starter checks.  The Regular Checking account is also offered as a Free Student Account.


NOW Account Checking

The NOW Account provides all of our quality services and account options while paying you interest on your qualifying deposit balances (minimum opening deposit required). Interest rates are "tiered" depending on the Average Collected Balance you maintain . . . the more you keep on deposit, the higher the interest rate.

Money Market Account
Our Money Market Account is designed for individuals and enterprises who want a combination of higher rates and transaction privileges.  Interest rates are “tiered” according to the Average Collected Balance in the account.  There is a minimum opening balance and limited withdrawals from this account.

Stop in or call to speak with one of our knowledgeable staff about our different types of checking accounts.  We will be happy to help you find the type of account that fits your needs.


Savings Accounts

A Savings Account is for the customer who wants to earn interest on his or her money but has immediate access to it. Statements for a savings account can be tied to your checking account so you will get a monthly statement or they can be kept separate and a statement will print at the end of every quarter. 

We want to help you save for a rainy day!  Savings Accounts do have a minimum opening balance requirement and limited withdrawals, so please stop in or call to speak with one of our staff so we can explain these special conditions.

Health Savings Accounts

Health Savings Accounts (HSA) are a fairly new option for individuals or employers with high deductible health insurance plans to add affordability to their health care coverage.  These accounts offer tax-free benefits, year-to-year savings, contribution options, flexibility in spending and they earn interest.


There are certain Qualifications and Restrictions on Health Savings Accounts. Contact a Health Savings Account specialist to find out if a Health Savings Account is right for you.


Individual Retirement Accounts

Individual Retirement Accounts (IRA) are a great way for customers to save for retirement. 

IRAs are basically savings accounts with terms and variable interest.  We offer Traditional, ROTH, SEP, and SIMPLE Individual Retirement Accounts.  This type of account is subject to certain retirement account qualifications.

Stop in or call to speak with an IRA specialist to see if you qualify for an Individual Retirement Account.  We will be happy to help you decide which type of account is best for you.


Certificates of Deposit

Certificates of Deposits (CD) combine the security of a savings account with the higher interest associated with an investment. CDs are interest-bearing accounts with guaranteed fixed rates and a wide range of terms and interest payment options. Customers earn a guaranteed interest rate when funds are left in the account for a fixed period of time.  We offer terms of 1 month up to 60 months. We also periodically offer CD specials. Minimum opening deposit required.

Stop in or call to speak to a new account representative about our Certificates of Deposit.  The interest rates that we offer can change daily; to check out our current rates call your local branch.

Debit Cards

Visa Check Cards are offered on all checking accounts.  The Visa Check Card is an ATM card but may also be used for purchases at any merchant displaying a VISA logo.  The Visa Check Card lets you have access to your checking account so you can leave your checkbook at home.  A minimal monthly fee applies to the Visa Check Card and there is a daily withdraw or purchase limit.


To report a lost or stolen South Central State Bank Visa Debit Card, please contact your local branch immediately.  If it is after business hours or the weekend, please contact Fiserv After Hours Hot Card at 1-833-337-6075.

To activate a new debit card, please call 800-992-3808.

South Central State Bank’s Visa Debit Card processor has introduced ENFACT protection for our cardholders.  If a transaction appears to fall outside your usual spending pattern you may receive a telephone call from a fraud specialist or auto-voice system, asking for the last 4 digits of your social security number and confirmation of certain transactions.  If you cannot be reached, for security purposes the card may be blocked for future transactions.  If you receive a call and have further questions, please contact your local branch office.  If you can provide prior notice of travel arrangements, we can alert your account record.  


Please stop in or call to inquire about our Visa Check Card.  Our knowledgeable staff would be happy to answer any questions that you may have about our Visa Check Card.