701 East Howard Street
Hibbing, MN 55746-0279
Phone: (218) 263.8855
Toll Free: (800) 819.0839

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General FAQs

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

A current ID (license, state ID or passport), proof of current address, your Social Security number, and a minimum opening deposit.

What are the mortgage rates?

Please speak to a Personal Banker about current mortgage rates, as the rates can change several times a day.

What do I need to apply for a loan for purchasing a home?

  • A signed purchase agreement
  • W2’s or tax returns for the past 2 years
  • Last 2 paycheck stubs
  • Last 2 months of statements for all checking, savings, and investment accounts

What documents do I need to refinance my mortgage?

  • Last 2 paycheck stubs
  • Last 2 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?

You can call the bank, 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.

Order Online

Personal Checks

Business Checks

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 are 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. You 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. However, the difference is that the dollar amount of the purchase is deducted from your checking account.

Can you select your own Personal Identification Number (PIN) for the debit card?

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

How should a cardholder record their 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 a cardholder access with a 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 merchant purchase to be debited to a cardholder's account when using a SSB debit card?

A purchase or ATM withdrawal will be immediate and reflected instantly in Online Banking.

What are the bank’s hours?

The lobby and drive thru are open Monday 8:00 am – 7:00 pm and Tuesday thru Friday 8:00 am – 5:00 pm

What is SSB’s routing number?


How do I find my account balance, or find out if a certain check has cleared, or did I receive my direct deposit?

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

How do I report a lost or stolen debit card?

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

How do I find ATM locations with no fees?

Onsite  ATM availabe 24/7.  Search for others by clicking Here

How do I report a lost or stolen Visa Card?

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

How long does it take to get a debit card?

7-10 days for a new card.  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 the ATM
$2,500.00 in purchases