Services

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.  Click here to apply.  See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

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.

ID THEFTSMART

Identity theft can have a serious impact on the lives of consumers left on their own to deal with restoring their identity. We have partnered with United Bankers’ Bank (UBB) and Kroll to offer our customers enhanced identity theft consultation and restoration services.  Call or stop in for more information.

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.

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.

OVERDRAFT SWEEP

An automatic sweep should your checking account become overdrawn.  Link your checking account with any other State Bank of Cold Spring savings or checking account.  An automatic sweep (transfer) will be made from the linked account should your checking account be overdrawn.  A simple authorization gives you peace of mind.  No Fee!

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.

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.

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.

MISCELLANEOUS SERVICES

• Direct Deposit
• Coin Counting – fee may apply for non-customers
• Notary Services
• Night Depository