Spratt Savings & Loans Personal Banking

Planning for the future has never been more important

Personal Banking

At Spratt Savings Bank, Personal Banking is just that … personal. Personal attention and personal service. We pledge to be personally attentive to your banking needs. You experience this when you come in the door and see the same friendly faces, day after day. And when you call us, you talk to a live person, not a series of voice mail prompts. And these same people pledge to provide you with the best service possible. At Spratt, we have always kept the “personal” in Personal Banking.

The stories of our customers are not uncommon. They bring their children and grandchildren in at an early age to establish that first savings account. Then, as the child matures, we often provide the financing for the purchase of their first car. For those that go on to college, we provide their free checking account and help their parents with loans for their educational expenses. When they return home, it is our privilege to make available the mortgage for their first home purchase, or to help finance an investment in a new business, or any number of other possibilities. Then we see the cycle begin once more with a new generation, and Spratt Savings Bank is there, just like we have been for over 125 years.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.  What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

To Activate Your Debit Card OR To Create or Change Your PIN

Please call:


Report Lost or Stolen or Report Fraudulent or Disputed Transactions

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