Personal Checking
Shelby State Bank offers you options with simplicity for the checking account that serves you every day.
Freedom Checking Accounts
All Freedom Checking accounts include a free ATM debit card, no-fee SSB ATM transactions, free online and mobile banking, billpay, mobile deposit, free telephone banking, unlimited check writing, and some require no minimum balance and have no monthly fees.
For faster access to your paycheck, get Direct Deposit by printing out this card and providing it to your employer!
Compare your options below. (Health Savings Accounts with checks and debit card also available!)
We are at your service and welcome you to stop by any of our branch offices to open a new account. If you prefer, you can set an appointment ahead of time and we will have everything you need waiting for you! Call the office of your choice today!
Compare your options below.
Scroll right to compare accounts.
| Checking Accounts | Freedom | Freedom Plus | Freedom Ultra | Health Savings Account |
| Minimum deposit to open | $50 | $50 | $50 | $100 |
| Monthly service charge | $0 | $8, fee is waived if maintaining $500 balance for monthly cycle | $12, fee is waived if maintaining $2,500 balance for monthly cycle | $0 |
| Monthly Paper Statement Fee | $3, fee is waived with e-statement enrollment | $3, fee is waived with e-statement enrollment | $3, fee is waived with e-statement enrollment | $3, fee is waived with e-statement enrollment |
| Earned interest | N/A | Competitive rates for balances above $500 | Tiered rates for balances above $2,500 | Tiered based on average daily balance |
| Overdraft Privilege | $300 limit | $500 limit | $700 limit | N/A |
| Free ATM/Debit Card and SSB ATM Transactions | YES | YES | YES | YES |
| Free Internet, Mobile and Telephone Banking & Billpay | YES | YES | YES | YES |
| Free Mobile Deposit | YES | YES | YES | YES* |
| Free Money Orders and Cashier’s Checks | NO | YES | YES | NO |
| Check Writing | Unlimited | Unlimited | Unlimited | Unlimited |
| Plus: | First box of specialty checks FREE | FREE specialty checks | ||
| *Limitations may apply | ||||
SSB ROUTING NUMBER: 072411708
ATM/Debit Cards
All Freedom Checking accounts are accessible via ATM/Debit card. To order your ATM/Debit Card, please stop in or call your local Shelby State Bank office.
To report a lost or stolen card 24/7, call 1-888-297-3416 or contact your local SSB office immediately during regular banking hours. If you have the Shelby State Bank mobile app, use the card controls to turn your debit card off until it is found or replaced. If you don’t have our app yet, download it from the App Store or Google Play today!
Overdraft Privilege
To protect you from the cost and inconvenience of declined debit transactions and returned checks, Shelby State Bank offers Overdraft Privilege with each Freedom Checking account. For a fee per occurrence, Overdraft Privilege may cover overdrawn transactions up to the specified limit. Contact your local branch for more information on this service.
FDIC Deposit Insurance
All Shelby State Bank deposit accounts are insured up to $250,000 by FDIC. For more information or to estimate your current FDIC coverage, please visit the FDIC (Federal Deposit Insurance Corporation) website at www.fdic.gov/edie
Click here for an interactive worksheet to help with balancing your statement.
If you need to dispute a transaction related to your debit card, click below.
Debit Cards
Types of Transactions: You may use the card and PIN issued to you to pay for purchases from merchants who have agreed to accept the card at point of sale (POS) terminals within the networks identified on your card and such other terminals as the bank may designate from time to time. Point of sale (POS) transactions will be deducted from your primary account, which must be a checking account. Point of sale (POS) transactions involving a refund will be credited to your primary account.
Limitations on Frequency and Amount:
You may purchase up to a maximum of five-thousand dollars ($5,000.00) worth of goods and services per day, exclusive of ATM withdrawals.
Fees and Charges:
We do not charge for any POS transactions.
