About Us

Chartered in 1892, Spratt Savings Bank is the oldest bank in South Carolina. And this continuity and stability is what we offer to our customers.  With two locations to serve  you in Chester and Great Falls, we offer you unsurpassed customer service.

Our Vision

  • As the only financial institution headquartered in Chester County, our vision is to be the “financial partner of choice” with consumers, businesses, churches and institutions in our market.

 Our Mission

To be recognized as:

  • An exceptionally sound financial institution with pride in our history and enthusiasm for our future.
  • A financial partner dedicated to helping our customers achieve economic success and financial security.
  • A corporate citizen deeply committed to serving Chester County by participating in activities that will promote economic expansion and improve the quality of life for all Chester County citizens.
  • An employer devoted to the personal and professional growth and development of our employees.


Our ultimate purpose is to create an organization that will (1) allow us to significantly impact the financial success of our customers, (2) achieve long-term financial success for the Bank through stable earnings while growing deposits and earning assets, and (3) create an environment that encourages professional growth and development for our employees.

Lost or Stolen Card

Should you discover that your Spratt Savings Bank Debit Card has been lost or stolen, please call the following number immediately:


» NOTICE: The Federal Regulation that limits the number of third party transactions allowed per month on our Money Market Demand Account (MMDA) and our Preferred Investment Account has changed. Third party transactions are defined as those you do not conduct at the bank or at an ATM. Third party transactions include checks, electronic debits, drafts, debit card purchases, phone transfers to other accounts and online and phone banking transfers to other accounts. The regulation limited these to six, of which no more than three could be by check. The limit is still six, but now, all can be by check.

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs). It does not include other accounts, such as traditional checking, or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov

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