DID YOU KNOW?

Have you ever wondered why a deposit isn’t available right away—or what qualifies as a debit card dispute? This page offers useful tips and timely reminders to help explain common banking questions in plain language.

Whether you’re learning the ins and outs of check endorsement, exploring electronic payments, or staying alert to fraud risks, these quick facts are here to help you bank smarter, safer, and with confidence.

DEBIT CARDS & DISPUTES

Debit card transactions are generally eligible for dispute only when they are unauthorized—meaning you did not make or approve the purchase. Transactions you willingly complete, even if you later change your mind, may not qualify for dispute under federal regulations.

CHECK ENDORSEMENT

If a check is made payable to a nickname or name variation, the endorsement should include both the name listed on the check and your legal name as it appears on your account. This helps avoid delays, as additional verification may be required during processing.

FUNDS AVAILABILITY

Deposited funds may not be available immediately. Financial institutions follow federal guidelines that determine when funds can be accessed, depending on the type and amount of the deposit.

ONLINE BANKING & FRAUD AWARENESS

Shelby State Bank will never ask for your full online banking credentials or secure access codes via phone, email, or text. Sharing this information could allow fraudsters to access your account.