Customer Privacy & Security

Spratt Savings Bank will take all necessary steps to safeguard sensitive customer information.  Please read our privacy policy and disclosure, security statement, and identity protection documentation.

Our Online Banking has multiple layers of security and verifies your identity in several ways. Each time you log in, the system will verify you through your Access ID and Password. It also lets you identify us by using an Extended Validation (EV) certificate. With this certificate, you will see some or all of the following features to verify if you are entering our secure site:

The EV certificate may display differently depending on the type of web browser you use. For more information about EV certificates and to view how your web browser may display this verification feature, please click here.

Online Banking also uses cookies to identify and authenticate your computer each time you log in. If you log in to Online Banking from another computer or if cookies are disabled, the system will not recognize it as registered and will require you to answer one of your security questions before proceeding.

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

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