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FAQ

Frequently Asked Questions

How do I report a lost or stolen debit card?

Contact the bank at 218-263-8855 during regular business hours or call 1-800-554-8969 after hours.

How do I report a lost or stolen Visa card?

Contact the bank at 218-263-8855 during regular business hours or call 1-800-325-3678 after hours.

What are the bank’s hours?

The lobby and drive up are open Monday from 8 a.m. to 7 p.m. and Tuesday through Friday from 8 a.m. to 5 p.m.

What is Security State Bank’s routing number?

091200592

What do I need to open a checking or savings account?

You will need a current ID (driver’s license, state ID or passport), proof of current address, your Social Security number and a minimum opening deposit.

How do I find my account balance, determine if a check has cleared or learn if my direct deposit posted?

You may apply for online banking, call our 24-hour telebanking at 218-263-2222 or contact SSB directly 218-263-8855.

What are your mortgage rates?

Please speak to a personal banker about our current mortgage rates. We do not post them on our website because mortgage rates can change throughout the day.

What do I need to apply for a mortgage?

  • A signed purchase agreement
  • W-2s or tax returns for the past two years
  • Two most recent paycheck stubs
  • Past two months of statements for all checking, savings and investment accounts

What documents do I need to refinance my mortgage?

  • Two most recent paycheck stubs
  • Past two months of statements for all checking, savings and investment accounts
  • Current statements for all loans that will be paid off
  • Copy of current homeowner’s insurance policy
  • Copy of current property tax statement

How do I order checks?

To reorder checks, you can call 218-263-8855, drop off the reorder form or mail it to Deluxe. If you have any changes, please let us know. (To prevent identity theft, do not put your driver’s license number on your checks.)

Or you may order new checks online:

What is a debit card?

The Security State Bank debit card is an enhanced version of the SSB ATM card. In addition to ATM use, it can be used in place of writing a check or using a credit card to purchase products and services from more than 18 million MasterCard merchants displaying the MasterCard logo.

What are the advantages of having an SSB debit card?

  • Primarily, the debit card is faster, safer, and smarter than using checks, cash or a credit card.
  • You’re able to “write a check” without carrying a checkbook.
  • You can use it as a cash card at an ATM.
  • It eliminates the hassle of showing multiple forms of identification when writing checks.
  • You can use it anywhere you travel; you don't have to worry about a check not being accepted out-of-state or out-of-country.
  • The monthly statement is easy to balance, with the description of both ATM usage and merchant purchases detailed on the statement.
  • You have access to the MoneyPass and MasterCard ATM networks.

How does the SSB debit card work?

At an ATM, the debit card works just like an ATM card. Use your PIN to access your account. When using the debit card to purchase products and services, the merchant looks for the MasterCard logo and processes the transaction in the same way a credit card transaction is processed. You are required to sign the receipt. The difference is that the dollar amount of the purchase is deducted from your checking account.

Can I select my own personal identification number (PIN) for my debit card?

Yes, you may select a new PIN after receiving the card.

How should a cardholder record debit card transactions?

You will receive a receipt from either the ATM or the merchant. The cardholder should record the amount in his or her checkbook register and retain the receipt. The checking account statement will list the amount and the ATM or merchant location.

What accounts can I access with my debit card?

When the card is used to make a purchase, it can only access funds from the cardholder's primary checking account. When it is used at an ATM, the cardholder can access either his or her checking or savings account.

How long will it take a purchase to be debited from my account when using a debit card?

A new card generally arrives within 7 to 10 days. If it is a replacement card, the old card stops working as soon as the new card is ordered.

What is the daily limit for a debit card?

  • $500.00 at ATMs
  • $2,500.00 for merchant purchases

How do I find no-fee ATM locations?

Our on-site ATM is available 24/7. Search for others here.

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