Welcome, First State Bank Customers.

Here is where you will find all the helpful details for your transition to SCSB.

Personal Enrollment
Business Enrollment

Welcome to SCSB!

Effective April 17, your accounts are now with SCSB. If you have not enrolled at SCSB yet, we have included Personal and Business account charts showing your current account features and how they compare to features associated with your new account. Please locate your current account name on your First State Bank monthly statement. Then review the charts carefully to best understand the features of your new account at SCSB. If you have questions, please consult a Personal Banker, or call 712-755-5112. If you are ready to enroll, please click on the link above to get started.

The good news.

  • You'll continue to bank with many of the same great people you know and trust.
  • Your deposit account number will stay the same as you convert to an SCSB account.
  • Mobile deposit limits will be $40,000 per day for personal account, $75,000 per day for business.
  • You may continue to use your First State Bank personal checks after April 17 until your supply runs out.

Personal Checking Accounts

Our Personal Checking Account Guide outlines your current First State Bank checking account and the SCSB checking account to which it will convert. While there may be some changes, you will see additional benefits. Please click on the link to best understand the features of your new account at SCSB.

After conversion, if you are interested in moving your account to a different account type, talk to a Personal Banker at any SCSB location.

See details of SCSB Free and Interest Checking Accounts.

See details of Additional Personal Services.

Personal Savings and Money Market Accounts

The Personal Savings and Money Market Account Guide outlines your current First State Bank Savings and Money Market accounts and the SCSB Savings and Money Market accounts to which it will convert. There will be some changes to your savings and money market accounts, but some features that will benefit you on your SCSB Savings account are the elimination of minimum balances and monthly service fees. Please review the following charts to best understand the features of your new account at SCSB.

See details on your SCSB Savings Accounts.

See details on your SCSB Money Market Accounts.

See details of Additional Personal Services.

Personal Certificates of Deposit and IRAs

Your CD and CD IRA rates and terms will remain the same when you move to SCSB. The early withdrawal penalty structure for CD's will change. Previously you had four different penalty levels ranging from seven days loss of interest to 180 days loss of interest. With SCSB, you will now have four penalty levels ranging from equal to term to 18 months loss of interest. This means interest lost by you if you need to withdraw from your CD before it matures. CD's will automatically renew upon maturity and have a 10-day grace period. There will be some changes to your Health Savings Account CDs. You will be receiving additional information in a separate communication.

See details on your Certificate of Deposit (CD) Accounts.

See our Guide to Your Personal Health Savings Accounts.

See details of Additional Personal Services.

Personal Loans and Lines of Credit

If you currently have a personal loan or line of credit, your rate and payment, including automated payment, will remain the same. Please note that your loan number will change, and the mailing address will change for those who choose to mail payments. Please refer to the notification letter you may have already received this month that was mailed to all borrowers for further details.

See details of our Personal Loans & Lines of Credit

Personal Overdraft Coverage for Checking Accounts

We understand that unanticipated expenses or unforeseen problems can leave you with not enough money in your checking account. Our goal is to assist you in avoiding unexpected overdraft fees as well as the inconvenience of having transactions declined or returned unpaid. SCSB offers two layers of overdraft coverage. If you currently have a Savings, Money Market or Line of Credit on your checking account for overdraft protection, that provision will remain the same. Our second layer of protection is overdraft servicing, which provides coverage for when your checking and linked Overdraft Protection account (if enrolled) does not have enough money available to cover a transaction. You will receive the standard overdraft service coverage on your checking account; however, you can change this at any time by contacting your local branch. Please watch for more information to come in your mail regarding overdraft servicing enrollment options.

Debit/ATM Card

  • You will receive a new SCSB debit or ATM card to replace your existing FSB debit or ATM card prior to April 17, 2023. Watch your mailbox as your new card will arrive in a white, unmarked envelope.
  • Starting on April 14, 2023:
    • FSB debit cards will have a temporary purchase limit of $1,500 per day.
    • FSB debit and ATM cards will have a $200 cash withdrawal limit per day, and will not show balances at the ATM.
  • FSB debit and ATM cards will stop working on April 17, 2023 at 2:00 am CST.
  • On April 17, 2023, at 6:00 am CST you can activate your new SCSB debit card by calling 888-286-9550. Business customers need to call SCSB at 712-364-3181 for a debit card activation code.
  • Your SCSB debit card spending limit will be included with your card.
  • Once activated, remember to add your new SCSB debit card to any recurring payments or merchants where your FSB card information is currently saved.
  • Don’t forget to add your new SCSB debit card to your mobile wallet using Apple Pay®, Google Pay® or Samsung Pay™

Business Checking Accounts

Our Business Checking & Savings Account Guide outlines your current First State Bank business checking account and the SCSB business checking account to which it will convert. While there will be some changes, you will see additional benefits. Please review the following charts to best understand the features of your new account at SCSB.

After conversion, if you are interested in moving your account to a different account type, talk to a Personal Banker at any SCSB location.

See details on your SCSB Business Checking Accounts.

See details of Additional Business Services. 

Business Savings Accounts and Money Market Accounts

Our guide to your Business Savings and Money Market Accounts outlines your current First State Bank Savings and Money Market accounts and the SCSB Savings and Money Market account to which it will convert. There will be some changes to your Savings and Money Market accounts. Please review the following charts to best understand the features of your new account at SCSB.

See details on your Business Savings and Money Market Accounts.

See details of Additional Personal Services

Business Certificates of Deposit

Your CD and IRA rates and terms will remain the same when you move to SCSB. Deposit as little as $1000 and watch your money grow. From 3 months to 60 months, we have CD options that will let you choose the right terms for your investment goals.

See details on your Business Certificate of Deposit (CD) Accounts.

See details of Additional Business Services.

Business Loans and Lines of Credit

If you currently have a loan or line of credit, your rate and payment, including automated payment, will remain the same. Please note that your loan number will change, but the mailing address will stay the same for those who choose to mail payments. In some cases, your late charge fee may be changing. Please refer to the notification letter you may have already received this month that was mailed to all borrowers for further details.

See details on Business Loans and Lines of Credit

Online Banking

Identify Your Login Instructions

The login you use with First State Bank will determine your transition process to SCSB Online Banking. If you are an individual or business that used the Personal Banking login, please follow the steps on the left in the diagram below to identify which process is yours. If you use the Business Banking login, follow the steps on the right side of the diagram to identify what types of services you had to determine which process you should follow.

Personal Online Banking Enrollment

Business Online Banking Enrollment

Transition #1

    • On April 14, 2023, at 12:00 pm CST mobile deposit will no longer be available through FSB.
    • On April 14, 2023, at 3:00 pm CST your online and mobile banking access will go into an Inquiry Only mode. You will still be able to log in to view your accounts, but online transfers and payments will no longer be available.
    • On April 14, 2023, at 3:00 pm CST your account alerts will be deactivated.
    • On April 17, 2023, beginning at 5:00 am CST you can visit scsbnet.com to enroll for online banking access. Click “Enroll” and then select “Personal Enrollment”. During your enrollment, you will be asked to create a new User ID and Password. Have the information below ready:

    • Your FSB checking or savings account number, excluding any preceding zeros.
    • Account type
    • Name
    • Last four numbers of your SSN
    • Date of birth
    • Email address
    • Once enrolled, you will have access to all related personal accounts, excluding accounts on which you are a signer.
    • Remember to set up your recurring online transfers/payments and enroll for eStatements. You can also set up your account alerts.
  • On April 17, 2023, beginning at 5:00 am CST visit your app store and search for "SCSB" mobile app. Once the app is downloaded, you can log in using your newly established SCSB online banking credentials or enroll by clicking on Login Options and then selecting to enroll in Personal Online Banking.
  • BillPay Users: BillPay will not be accessible under FSB starting on April 10, 2023 at 7:00 am CST. Once you enroll in online banking under SCSB on April 17, 2023, your BillPay payees will transfer to your new SCSB profile. Recurring or scheduled BillPay payments that were set up under FSB will be paid as requested using your new SCSB profile.
  • External Transfers: On April 10, 2023 at 7:00 am CST, external transfers will no longer be accessible through FSB.
  • Pending and scheduled external transfers will be processed until April 14, 2023. External transfers are not available under SCSB. You can use BillPay or make mobile deposits to move funds between your SCSB and external accounts.
  • Access to FSB online banking will be removed at 5:00 am CST on April 17, 2023.
  • Please note: Personal and Business accounts cannot be accessed from the same profile under SCSB. If you have personal and business accounts currently tied to a single profile under FSB, you will need to access those accounts using separate profiles under SCSB, by enrolling each individually.
  • Existing SCSB customers: If you are already enrolled in SCSB online banking, your FSB accounts will show under your existing profile on April 17, 2023. You may not be able to transfer funds between your existing SCSB accounts and your FSB accounts that are transferring over to SCSB. If so, you have the option to use BillPay to transfer funds between accounts.

Transition #2

FSB Personal Banking Account Login – Business Account

  • On April 14, 2023 at 12:00 pm CST mobile deposit will no longer be available through FSB.
  • On April 14, 2023 at 3:00 pm CST your online and mobile banking access will go into an Inquiry Only mode. You will still be able to log in to view your accounts, but online banking transfers and payments will no longer be available.
  • On April 14, 2023 at 3:00 pm CST your account alerts will be deactivated.
  • Starting on April 3, 2023 Business Admin Users can enroll for online banking access at www.scsbnet.com. Click "Enroll" and then select "Business Enrollment". The Admin User should have the information below ready:
    • Admin name
    • Admin address
    • Admin email address
    • Admin date of birth
    • Admin phone number
    • Company name
    • Company tax ID/SSN
    • Your FSB checking account number, excluding any preceding zeros
    • The user ID and password you want to use
  • Once the request for online access is approved, the Admin will receive an email from an Online Representative.
  • Once enrolled, you will have access to all related accounts, excluding accounts on which you are a signer.
  • On April 17, 2023, at 5:00 am CST Admin Users can visit scsbnet.com to log into Business Online with login information. Admin Users will then be able to add additional Users Online.
  • Once you are enrolled with your business online profile, you can enroll in BillPay to start setting up your payees.
  • External Transfers: On April 10, 2023, at 7:00 am CST external transfers will no longer be accessible through FSB. Pending and scheduled external transfers will be processed until April 14, 2023. External transfers are not available under SCSB. You can use BillPay or make mobile deposits to move funds between your SCSB and external accounts.
  • Please note: Personal and Business accounts cannot be accessed from the same profile under SCSB. If you have personal and business accounts currently tied to a single profile under FSB, you will need to access those accounts using separate profiles under SCSB, by enrolling each individually.
  • Existing SCSB customers: If you are already enrolled in SCSB online banking, your FSB accounts will show under your existing profile on April 17, 2023. You may not be able to transfer funds between your existing SCSB accounts and your FSB accounts that are transferring over to SCSB. If so, you have the option to use BillPay to transfer funds between accounts.

Transition #3

    • April 14, 2023, at 3:00 pm CST your online banking access under FSB will no longer be available.
    • Starting on April 3, 2023, Business Admin Users can enroll for online banking access at www.scsbnet.com. Click "Enroll" and then select "Business Enrollment". The Admin User should have the below information ready:

    • Admin name
    • Admin address
    • Admin email address
    • Admin date of birth
    • Admin phone number
    • Company name
    • Company tax ID/SSN
    • Your FSB checking account number, excluding any preceding zeros
    • The user ID and password you want to use
  • Once the request for online access is approved, the Admin will receive an email from an Online Representative.
  • Once enrolled, you will have access to all related accounts, excluding accounts on which you are a signer.
  • On April 17, 2023 at 5:00 am CST Admin Users can visit scsbnet.com to log into Business Online Banking with login information. Admin Users will then be able to add additional Users Online.
  • Once you are enrolled with your business online profile, you can enroll in BillPay to start setting up your payees.
  • Please note: Personal and Business accounts cannot be accessed from the same profile under SCSB. If you have personal and business accounts currently tied to a single profile under FSB, you will need to access those accounts using separate profiles under SCSB, by enrolling each individually.

SCSB Interest Information for Interest Bearing Accounts

Interest begins to accrue on the business day we receive credit for the deposit of non-cash items/collected balances.

  • Interest is calculated using the daily balance method. This method applies a daily periodic rate to the principal balance in the account each day.
  • Interest is compounded and credited monthly.
  • Where noted on the rate sheet, the applicable minimum balance must be maintained each day to obtain the disclosed Annual Percentage Yield (APY).
  • Interest rates and Annual Percentage Yields may change daily at our discretion. Current interest rates and APYs are shown on the rate sheet. Please contact your local branch for current rates.
  • Fees may reduce earnings.
  • Interest accrued will be paid, without penalty, at account closing.

First State Bank Interest Information for Interest Bearing Accounts

Interest begins to accrue on the business day you deposit noncash items (for example checks).

  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.
  • Interest will be compounded monthly or quarterly based on your account type. If you close your account before interest is credited, you will not receive the accrued interest.

SCSB Processing Policies Posting Order

Generally, we process transactions received by the end of the business day in the following order: deposits or credits first, then withdrawals or debits.

Deposits or credits are transactions that increase the balance in your account. Withdrawals or debits are transactions that decrease the balance in your account. Transactions received after our business day cutoff times will be processed the next business day. Generally, after we have processed all deposits to your account, we process withdrawals in the following categories and order:

  • Electronic payment transactions and items such as purchases for cashier’s checks, certificates of deposit or foreign currency.
  • Debit card transactions (non-ATM transactions).
  • ATM withdrawals and checks cashed from your account at one of our branches.
  • Transactions created by you through our BillPay system.
  • Checks processed and received that day in check number order.
  • Miscellaneous adjustments.

Please remember that it is common that when you write a check, that check may be converted to an electronic item by the person, store or bank receiving the item. If it is converted, that item will be presented to us for payment more quickly than if it had been processed as a check. The posting order of deposits and withdrawals may change from time to time based upon regulatory requirements, technology, or industry standards.

We always recommend that you maintain an accurate record of balances and transactions that you authorize for deposit or withdrawal from your account so sufficient funds are always available.

Funds Availability

Funds from some deposits may not be available for immediate withdrawal. Generally, we will make $100 available to you on the day of your deposit for checks presented in person. Please refer to your Deposit Agreement for our Funds Availability Policy.

Dispute Resolution

Please review your Deposit Agreement for information regarding Dispute Resolution. If you have any questions, please call, or visit a branch location.

First State Bank Customer FAQs

View All

  • What overdraft changes will FSB customers experience?

    We understand that unanticipated expenses or unforeseen problems can leave customers with not enough money in their checking account. Our goal is to assist you in avoiding unexpected overdraft fees as well as the inconvenience of having transactions declined or returned unpaid.

    SCSB offers two layers of overdraft coverage.

    1. If customers currently have a Savings, Money Market or Line of Credit on their checking account for overdraft protection, that provision will remain the same. However, SCSB does not allow a checking account to be used as overdraft protection.
    2. Our second layer of protection is overdraft servicing, which provides coverage for when their checking and linked Overdraft Protection account (if enrolled) does not have enough money available to cover a transaction. Customers will receive the Standard Overdraft Service coverage on their checking account; however, you can change this at any time by contacting their local branch or visiting with a Personal Banker.

  • What website will customers need to access for online banking?

    scsbnet.com

    NOTE: Personal and Business accounts cannot be accessed from the same profile with SCSB. If customers have personal and business accounts currently tied to a single profile under FSB, they will need to access those accounts using separate profiles with SCSB.

  • Will customers need to enroll in online banking? 

    Customers will need to complete the online banking enrollment process at scsbnet.com

    They will need the following information to enroll:

    • One Account Number (checking or savings), excluding any preceding zeros
    • Name
    • Date of Birth
    • Account Type
    • Last four of your SSN
    • Email Address

    Once enrolled, customers can add their account by clicking on their Profile > select Add Online Account in the left navigation bar.

  • Will customers need to set-up BillPay / payments / transfers and their online banking alerts? 

    Bill Pay will not be accessible under FSB beginning April 10. Pending payments will be processed until April 14, 2023. Once enrolled in online banking under SCSB on April 17, their BillPay Payees will transfer to their new SCSB profile. Recurring or scheduled BillPay payments that were set up under FSB will be paid as requested using their new SCSB profile

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About SCSB

SCSB MISSION:  Building Relationships that Promote Family, Service, and Community.

Since 1880, SCSB has served the financial needs of our local communities. SCSB is headquartered in Harlan, IA, with thirteen bank locations in Harlan (2), Ida Grove, Avoca, Battle Creek, Danbury, Elk Horn, Irwin, Mapleton, Odebolt, Panama, Portsmouth, and Shelby.

Whether you are saving, borrowing, or planning for your future, we offer both personal and business solutions catered to fit your needs. Our local, knowledgeable staff is eager to assist you. And when you are on-the-go, we provide 24/7 access to your accounts through online, mobile, and telephone banking services.

If you would like more information about opening an account or getting a loan with SCSB, please call us at (712) 755-5112 or stop by any one of our branches. We would be honored to assist you.