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Planning for the future has never been more important

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

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: