Frequently Asked Questions
How to Enroll in Internet Banking
Using Springfield State Bank’s EZ Internet Banking is a piece of cake! Simply click on the link below and complete the online enrollment form. Once you complete the form, you will be asked to set your user id and password. Upon verification of your account, which normally takes place within 24 hours, you can begin internet banking!
Click here to begin the enrollment process.
Do your banking anytime! Imagine accessing all your accounts, day or night, at your convenience!
Check balances at 1 a.m. on Friday? No problem!
Transfer funds on a Saturday afternoon? Easy!
Pay all your bills with the click of the mouse? Piece of cake!
It is all online with 24-hour Springfield State Bank's E-z Internet Banking!
Internet Banking is Safe
Not only is E-z Internet Banking one of the most convenient ways to access your accounts, it is also protected by very sophisticated, failsafe security measures designed to protect your assets and ours. All of your transactions occur in a secure environment protected by some of the best available encryption technology. That means your password, as well as information relating to you and your accounts are protected.
You can use E-z Internet Banking to:
- Check current balances
- Transfer money between accounts
- Access current and historical interest information
- View transaction and activity information
- Reconcile your account without waiting for a monthly statement
- View both current and previous months' account statements
- Use our Free Bill Pay to pay all your bills
- Set up recurring transfers between your accounts
- And much more!
Discover the Convenience!
With an Internet connection and Springfield State Bank E-z Internet Banking, you now have the convenience of a bank that never closes. Do your banking anywhere you have internet access - E-z Internet Banking is ready to serve your banking needs. At home, at the office, on vacation or on the road - you have access to all your accounts as if you were right here at the bank. Now that's convenience and peace of mind!
Pay all your Bills with a Click!
Springfield State Bank also offers FREE Bill Pay to our Internet Banking Customers. Simply click on “Bill Pay” once you are logged in and follow the easy instructions to be paying your bills without the hassles of writing checks or mailing them.
Simple…
You don't have to be a computer genius to use E-z Internet Banking! In fact, it's as simple as using an ATM. There are no complicated codes to remember and no difficult routines. You don't even need to remember your account numbers. Just log-in and click away!
How to Enroll in Bill Pay
Once you are enrolled in Springfield State Bank’s EZ Internet Banking, simply click on the “Bill Pay” tab on the left side menu and follow the simple step-by-step process to begin paying your bills online! Once enrolled, you will simply set up the businesses or individuals (“Payees”) that you want to pay online and schedule the payments!
Regular, recurring payments can be setup in advance to suit any schedule imaginable! Or you can choose to log in and pay bills individually as they are due. Payments will be listed on your monthly bank statement for your records.
Any bill that you can pay with a check or debit card, you can also pay with our Bill Pay system. 24/7 online chat support, as well as toll free telephone support, is available for your convenience once you are logged in.
How To Use Telephone Banking
Springfield State Bank’sHome Bank Line is so easy to use!
Just dial 336-ASKUS (2758)
- Your Security Code: During the first access to your account, your Security Code will be the last four digits of the Social Security Number that is primary on your account. Be sure to change the security code to a private number after your first access.
- All options can be input via touch-tone or voice commands
- Pressing the * key will allow you to reenter digits when entering numbers, OR say “stop”
- Pressing # returns you to the main menu OR from the main menu, plays the closing message and ends the call.
Main Menu
For Account Information, press or say “1” For Funds Transfer, press or say “2” For Bank Information, press or say “3”For More Options, press or say “4” To go back or cancel at any point during your call, press the * key
Account Information Menu
1 Checking
2 Savings
3 CD's
4 IRA's
5 Loans
* Go back or cancel
At this point, you will be prompted for your account number and Security Code. After your balance information is given you will have the following options for the account type you selected:
Checking & Savings Menu
1 Withdrawal Information
2 Deposit Information
3 Funds Transfer (Loan payments are applied as interest due first, then principal.)
4 Find a Transaction
1 - Search for a check by check number
2 - Search for a withdrawal by amount
3 - Search for a deposit by amount
* - Cancel and return to previous menu
5 More Options:
1- Fax
2 - Balance
3 - Interest
4 - Change PIN
* - Go Back/Cancel
CD & IRA Menu
1 Fax
2 Balance
3 Interest
4 Change PIN
* Go back or cancel
Loan Menu
1 Advances
2 Payment
3 Find transactions
4 More Options:
1 Fax
2 Balance
3 Interest
4 Change PIN
* Go back or cancel
Other helpful tips:
OOPS! If you incorrectly enter your security code three times, your account will be locked for security reasons. Please call the bank if this occurs, to regain phone access to your account information.
How To Balance Your Checkbook
In order to balance your checkbook, you will need to always keep a record of the checks you write on your account, as well as your debit card transactions.. Most people do this by writing them in a check register, which you should receive with any normal check order. Additional registers are available free of charge from the bank.
Each month, Springfield State Bank will send you a ‘bank statement’ of your account. . The statement is our record of all activity that occurred with your checking account, including checks written, deposits, ATM withdrawals, debit card purchases, bill pay and fees, etc. Along with this statement you will receive images of the checks and deposits that have processed through your account.
Using this statement, and your checkbook, use the following steps to balance your checkbook.
STEPS FOR BALANCING
STEP 1
In your check register, make a checkmark beside each check listed on your bank statement. In addition, also mark all ATM or other debit card transactions, and all deposits.STEP 2
Record in your check register any transactions listed on your bank statement that were not already recorded in your register. This may include ATM or debit transactions that you forgot to write down, automatic payments, internet billpay activity, bank fees, etc.STEP 3
The back of your bank's statement will have a form – or you can print this one below for your convenience. Use this form to reconcile your checking account.List Outstanding Checks Here
(checks that have not cleared the bank yet)
| Ck # | Amount |
| Total Outstanding Checks* |
| Ending Balance Shown on This Bank Statement: | $______________________________ | |
| ADD Deposits that have been made but not credited on this statement, if any |
+ | $______________________________ |
| TOTAL | $______________________________ | |
| SUBTRACT Total Outstanding Checks* | - | $______________________________ |
| BALANCE (should agree with checkbook balance after deducting any service charges, overdraft or other fees) |
$______________________________ |
The balance should then equal the amount listed in your check register or checkbook. If not, you will need to check each of your transactions and also possibly need to check your math. If you need assistance balancing your checking account, please contact the bank.
How to Switch Your Account to Springfield State Bank
At Springfield State Bank, we want to welcome you with an easy transition from your previous bank! These easy steps will guide you through this very simple process:
- Open your Springfield State Bank Checking Account by visiting one of our friendly locations. Make a note of your new account number. You may also need Springfield State Bank’s routing number, to enroll any automatic payment services or direct deposits. Our routing number is: 083902620
- Change your Automatic Payments. Review your last few statements and make a note of all automatic payments. Leave funds in your account to cover any outstanding checks or pending automatic payments. Use our Automatic Payment Form (Click here for the form) to notify companies of your new account information.
- Change your Direct Deposit by completing the Direct Deposit Form (Cilck here for the form). If you receive a Social Security direct deposit, change it by calling the Social Security Administration at 1-800-772-1213 or visit their website at www.ssa.gov/deposit/howtosign.htm.
- Close your old account. After all outstanding checks have cleared your old account, transfer any existing funds to your new account and close the old one. Destroy any unused checks, ATM/debit cards and deposit slips associated with your old account.
- Start enjoying the benefits of your new Springfield State Bank account! Click here for more helpful hints in switching your account!
Other Helpful Hints in Switching Your Account to Springfield State Bank
- If you have any questions regarding your new account, switching your direct deposits or automatic payments to your new accounts or how to close your old account, please call us at 859-336-3939 or click here to email us or click here to use our secure online form.
- It generally takes 2 to 3 statement cycles (60-90 days) for your transactions to get switched over or started. It is important to leave the account you are planning on closing open until you have verified that all necessary changes have been made.
- Only close your old account after all outstanding checks, direct deposits and automated payments have posted once to your new account.
- When you are ready, try our online internet banking! It is an easy, convenient and secure tool for keeping track of your balances and transactions.
- Use the convenience and efficiency of Springfield State Bank’s FREE Bill Pay, once you register for internet banking. Once you go through a few simple steps, it is as easy as ‘click and pay’! Records of your payments are kept secure and easily referenced should you need to research them.
How to Report a Lost/Stolen Debit Card
If your debit card has been lost or stolen, please report it as soon as possible! There are several ways to alert the bank.
- Call the bank at 859-336-3939 or 1-800-601-9961 during banking hours.
- After banking hours, report your card missing by calling 1-800-472-3272.
- Email the bank by completing our secure form, and include your name and phone number in the message.
- Click on the “Contact Us” tab. Complete the form and be sure to include your name and phone number in the message.
Internet Safety/Online Security
"Phishing" is a rapidly growing scam that is performed through email. If you haven't heard of it yet, it's not that complicated and very easy to avoid - you just need to know the facts.
According to the Federal Trade Commission (FTC), "phishers" send an email or pop-up message that claims to be from a business or organization that you deal with – for example, your Internet service provider (ISP), bank, credit card company, or even a government agency.
The message usually says that you need to “update” or “validate” your account information. It might threaten some dire consequence if you don’t respond. The message directs you to a Web site that looks just like a legitimate organization’s site, but it isn’t.
The purpose of the bogus site? To trick you into divulging your personal information so the operators can steal your identity and run up bills or commit crimes in your name.
There are some simple ways to outwit these identity thieves:
- NEVER directly respond to e-mail asking for personal information. If you are a customer of Springfield State Bank, we already have your information and would not ask you to verify via email.
- If you doubt a message's authenticity, verify it by contacting the institution itself.
- Don’t email personal or financial information.Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organization’s Web site, look for indicators that the site is secure, like a lock icon
on the browser’s status bar or a URL for a website that begins “https” (the “s” stands for “secure”). Unfortunately, no indicator is foolproof; some phishers have forged security icons. - When prompted for a password, give an incorrect one first. A phishing site will accept it; a legitimate one won’t.
