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Planning for the future has never been more important.

Traditional IRA

Individual Retirement Account can be used to supplement your retirement income.  The traditional IRA allows you to defer taxes on both the funds deposited and the interest earned until they are withdrawn. We strongly recommend that you consult qualified professions for tax advice.

Roth IRA

Contributions to a Roth Individual Retirement Account (IRA) are not tax deductible. Distributions from these accounts however are not taxable.  IRS guidance on personal earnings should be observed.

Coverdell Education Savings Account

This account features tax-free withdrawals to pay for board, tuition, supplies, etc. for a covered dependent’s education expenses.  Contributions are not tax deductible, however, interest earned on this account is not taxable if the withdrawals are restricted specifically for educational purposes.*

 *Consult your tax advisor concerning eligible expenses.

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: