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Advantage Four Relationship Banking Package

Advantage Four is our new premium retail banking package. It is anchored with a Spratt Savings Bank checking account. You may select from among all of our retail products an additional three (3) services to bring the total number of services to four (4). Advantage Four certificates of deposit will pay our highest rates of interest. The checking account and certificate of deposit make up two of the required four services, add to that our free Thrift-E online banking and SOS (Spratt Overdraft Security) overdraft line of credit protection and you just qualified for Advantage Four. Consumer loans, mortgage loans and other retail loan products also count toward the four services. As an Advantage Four customer you may also qualify for discounts on retail loan products as well as higher rates paid on regular savings accounts. Contact us today for more information!

NOW Checking

Interest compounds daily and is paid per statement cycle.  Checking with a low minimum balance requirement to avoid a per statement cycle fee.

College Student Checking

No fee checking for full-time college students ages 18-25.

Seniors Checking

Designed for seniors 55 years of age or older.  No minimum balance required to avoid a service fee.  Earn interest that is compounded daily and paid per statement cycle.

Market Rate Checking

Earn a higher interest rate with this account while enjoying check writing privileges.

Harland Online Check reorder click here

*Subject to credit approval
**Spratt Overdraft Security – our overdraft protection

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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