Other Services

Safe Deposit Boxes

Our Chester location as well as our Great Falls location have a number of various size Safe Deposit Boxes available for rent.  These boxes provide a secure place to store valuables and important records.

Debit Cards

Our VISA ® Check Card gives you a fast and convenient means of purchasing products and services.  Funds are withdrawn from your checking account without having to write a check.  Use your card wherever VISA ® debit card is accepted.  Our VISA ® Check Card may also be used at ATM’s to withdraw funds or make balance inquiries any time of the day without having to visit us here at the bank (although we are always pleased to see you).  It’s like having your own personal teller whenever you need one.

Verified by VISA ®

Protect your VISA ® debit card with a personal password, so only you can approve purchases when shopping online with participating retailers.

Activating your card with the Verified by VISA ® program is easy!  While shopping online at participating retailers simply enter the authentication information and choose a password when prompted.

Customer Alert: Verified by VISA ® Security Upgrade

In a continued effort to protect you against fraudulent activity, the Verified by VISA ® program is undergoing a security upgrade. Beginning November 1, 2010, you will be prompted to re-create your password the first time you log in to the member site, or conduct an Internet transaction at a participating merchant. You will also be prompted to answer a few authentication questions.

For a complete list of participating retailers, click here.

SOS (Spratt Overdraft Security)

Avoid the expense of overdrawing your personal checking account with our Spratt Overdraft Security (SOS).  SOS is a convenient overdraft protection plan that is linked to your checking account. Should you accidentally overdraw your checking account, our SOS will be in place to assist you. This is a credit product. Applications are available at either office location.

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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