Services

VISA DEBIT/ATM CARDS

Use your debit card to pay for merchandise wherever Visa ® is accepted. It’s more convenient than writing checks and safer than carrying cash. ATM cards are also available. Both cards are FREE.
*Charges may apply for replacement cards.

VISA PHOTO DEBIT CARDS

Personalize your debit card with the photo of your choice. We can make your debit card reflect your favorite things.

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VISA GIFT CARD

You’ve scoured the registries, you’ve listened for hints, and you’ve just about given up on finding the right present. We offer VISA Gift Cards that can be used anywhere VISA is accepted. No matter what, these cards always bring a smile.

CREDIT CARDS

You work hard for your money, now let your money work hard for you! Whether you want points, convenience, or great service, our cards have it all. We have partnered with ICBA Bancard & TCM Bank to provide both consumer and business credit cards with competitive rates, rewards points for travel and merchandise, fraud monitoring, and 24/7 customer service located in the U.S.

ONLINE BANKING

Online Banking is fast, easy and secure. You’ll have your own personal username and password that allows you to view a complete history of your accounts, including your balances and which checks have cleared. You can also use online banking to transfer funds from one account to another.

ONLINE BILL PAY

Online Bill Pay is just one of the ways we are working to make your life a little easier. Sign up for our free online bill pay service through our online banking site and start using this convenient tool.

MERCHANT PROCESSING

Increase your business by accepting credit and debit cards. We have partnered with United Bankers Bank to offer a Merchant Services program that offers competitive rates. Stop in or call for more information.

MERCHANT DEPOSIT CAPTURE

Give your business another edge with Remote Deposit Capture. Our easy-to-use software and scanning equipment allows you to make deposits electronically, without leaving your office. This new technology lets you make deposits using equipment which can be leased directly from us.   Stop in or call to find out if it’s right for your business.

MOBILE BANKING

Mobile banking makes managing your money easier than before, and it’s available for both iPhones and Android smartphones.  You can access your online accounts safely and securely from your mobile phone.  It’s easy to use and it’s FREE.

MOBILE DEPOSIT CAPTURE

Deposit your checks without leaving home with Mobile Deposit Capture. All you have to do is log into our mobile banking App, take a photo of the check and send the image through our App. It’s fast, easy and secure. Per deposit fees do apply.

EXTERNAL FUNDS TRANSFER

Our External Funds Transfer service will allow you to transfer funds from another financial institution to one of your accounts at the State Bank of Cold Spring.  This service also allows you to pay another person with only having to know their email address or cell phone number.

SAFE DEPOSIT BOXES

We have many sizes of safe deposit boxes for you to choose from. This is a safe and convenient place to store your valuables.

MISCELLANEOUS SERVICES

  • Direct Deposit
  • Coin Counting
  • Notary Services
  • Night Depository