Frequently Asked Questions

If you have a question about The Bank, chances are you can find your answer here. Browse the questions below and simply click on the item to reveal the answer. If you have a question that is not listed here, please contact us and we'll get you an answer.

Personal Online Banking

» Can I access my accounts from more than one computer?

» How current is the online statement information?

» How do I enroll for Online Banking?

» How long does it take for bills to be paid?

» How much does it cost?

» How secure is Online Banking?

» What can I do with The State Bank and Trust Company's Online Banking?

» What equipment will I need?

» What if I forget my password?

» What is Online Banking?

» Which accounts can I access?

» Which bills will I be able to pay through Bill Payment?

» Will I still receive a monthly statement?

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Personal Checking Accounts

» Are the funds in my account FDIC insured?

» How do I get a Debit Card?

» How do I re-order checks?

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Personal Savings Accounts

» Are the funds in my account FDIC insured?

» How can I get set up for Direct Deposit?

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Personal Loans

» How can I apply for a consumer or personal loan?

» How long will it take to get an answer?

» What types of consumer (personal) loans do you have?

» What will be my loan’s terms and repayment?

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ATM/Debit Cards

» Can I use an ATM/Debit Card only for purchases?

» How do I get a Debit Card?

» How does an ATM/Debit Card work?

» How is an ATM/Debit card different than a Credit Card?

» What account security measures are in place?

» What do I do if I lose my Debit Card/Credit Card or if it is stolen?

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Telephone Banking

» How can I get more information about Telephone Banking?

» How do I obtain a personal identification number?

» What are the steps to listen to my ACH and Deposit transactions?

» Why does Telephone Banking ask for my account and identification number more than once?

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Business Savings Accounts

» Are my funds FDIC insured?

» How can I set up Direct Deposit?

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Business Loans

» What are your current business loan interest rates?

» What do I need to apply for a business loan?

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Cash Management

» How does it work?

» What is a Commercial Sweep/Repurchase Agreement?

» What rate of interest will I earn in my Sweep/Repurchase Agreement?

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Agricultural Services

» How are Payments Handled?

» How Does Agri-Line Work?

» How Is Agri-Line Set Up?

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You'll find answers to commonly asked questions here.
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