Free Checking

An account with no monthly service fees or minimum balance.


  • No monthly service charge
  • No minimum balance to open
  • Unlimited check writing

Bonus Checking

Receive the most value from your checking account! No minimum balance requirement and great benefits!


  • Free basic checks
  • Earn interest on average collected balances of $1,500
  • $10,000 Accidental Death and Dismemberment Insurance
  • Identity Theft Insurance
  • Free money orders & cashier's checks
  • Everyday Rebates program (Earn a 10% rebate on everyday purchases. Maximum rebate per quarter is $10)
  • Free image statements
  • Free Visa® Debit Card - the convenience and security of Visa®

Prestige Checking


  • Interest bearing
  • No monthly service charge with $10,000 in total deposits or loans
  • Free basic checks
  • Unlimited check writing
  • Free image statements
  • Free Visa® Debit Card - the convenience and security of Visa®

Student Checking

A checking account specifically for students!


  • No monthly service fee
  • No minimum balance to open
  • Unlimited check writing
  • Free gift with approved account
  • Earn interest on your account
  • "Goof Pass" for a one-time fee refund
  • Free foreign ATM withdrawals

SCSB Debit Card

Shelby County State Bank debit cards can be used in place of writing a check for point of sale transactions and as an ATM card. Transactions are posted against your checking account. Features of the SCSB debit card include:

  • Withdraw funds from checking or savings accounts at an ATM
  • Deposit to your checking and/or savings account at certain ATMs which accept deposits
  • Transfer funds between checking and savings accounts at an ATM
  • Inquire about checking or savings account balances at an ATM
  • There is a $2 charge for withdrawals at ATMs we do not own or operate
  • ATM card owners have free usage of this card at any of the five SCSB-owned ATMs which include:
    • Harlan Downtown Office - 508 Court St, Harlan
    • Harlan West Branch Office - 2010 23rd St, Harlan
    • Elk Horn Office - 4039 Main St, Elk Horn
    • Panama Office - 102 Main St, Panama
    • Shelby - Taylor Oil Shell Station, Interstate 80

In addition, you also have free access to ATMs that are SCSB-owned and at over 300 ATM locations throughout seven states. To find the location nearest you, click here.

Contact SCSB before Traveling with your Debit Card

If you're traveling far from home and bringing along your debit card, be sure to call the SCSB Bookkeeping Department at 235.5112 and let them know about your travel plans. You can also simply drop the bank an email to and provide the bank with details as to when and how long you will be gone.

For security purposes, please do not e-mail personal information such as your address, phone number, Social Security Number, Mothers Maiden Name or account numbers.


When you apply for an SCSB debit card you’ll receive a bank-issued PIN in a separate mailing. To change your PIN you can call 1-877-267-3222 or you can log on to SCSB's online banking site at any time to change it to any four-digit code you would like.