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ATM Card

You may use your card at any Shazam, or Cirrus machine to get cash (up to $310 per business day).

Debit Card
  • Unlimited Debit Card usage
  • Daily Limits Apply
  • Wherever you see a MasterCard®, Shazam®, or Cirrus® machine to get cash (up to $310 per business day).
Debit Card Protection

South Ottumwa Savings Bank Debit Cards are protected by “Card Sentry” – a risk management program used to monitor and detect potential debit card fraud. Protecting our customers from fraud is a top priority of South Ottumwa Savings Bank.

Card Sentry enables South Ottumwa Savings Bank to identify uncharacteristic debit account activity. Following each debit card transaction, Card Sentry assesses the probability that the transaction is fraudulent. If this probability exceeds a certain threshold, you will be contacted and asked to verify the transaction in question, either by an employee of South Ottumwa Savings Bank or a fraud specialist from Card Sentry calling on our behalf.

The caller will NEVER ask for your debit card or PIN number. You should never provide this information over the phone.

This system requires us to be able to contact you when suspicious activity is suspected. If you are planning to travel, or make a large purchase that may be uncharacteristic of you usual account activity, please notify South Ottumwa Savings Bank in advance. It is essential that South Ottumwa Savings Bank have current contact information. Having your information current will avoid delays and help us protect your account.

To update your information please visit or call any of our locations, the following is information we need to keep current.

  • Primary phone number
  • Secondary phone number
  • Address, City, State, Zip Code

If you have questions or concerns please feel free to contact the Deposit Service Department at South Ottumwa Savings Bank Toll-Free 1-800-653-2080.

MasterCard® ,MasterCard SecureCode® & Cirrus® are registered trademarks of MasterCard. All rights reserved. Shazam® is a registered trademark of Shazam, Inc. All rights reserved.


A secure, reliable and safe service where you receive and view your statements by email. E-Statements are a free service offered through our online banking service.

  1. Click on “View Accounts”.
  2. Click on the account you would like to receive eStatements.
  3. Go to the Account Service tab and select “Statements”. This tab is located on the top right of your accounts.
  4. Agree to the Terms and Conditions. Then it will prompt you to open a test statement file.
  5. Select “Consent” if you would like to receive your statement electronically
Lost or Stolen Card

Your security is top priority at South Ottumwa Savings Bank, West Liberty State Bank, Peoples State Bank and Hedrick Bank. Contact us immediately if you lost your debit card or if you have had your debit card stolen. Contact our Deposit Services department as soon as possible at 1 (800) 653-2080.

Mobile Banking

With SOSB’s mobile app, you have ultimate access to your finances from anywhere. Text us, use your web browser, or use our iPhone® or Android® app to have your account at your fingertips.

We offer a secure way to: Check your balance and transaction history and transfer funds between eligible accounts.

Our mobile apps are different than those other banks and credit unions. With SOSB’s mobile app you can find an ATM, get directions to a branch, contact us, use financial calculators and more. Text messaging provides safe access to your accounts on the go.

No matter whether you are accessing your banking information through our app, text or your mobile browser, we are using the same security as online banking and the convenience of the same User ID and Password too!

SOSB gives you fast and easy access — wherever you and your mobile phone go!

Google Play Store APP Available on the App Store
ServiceText MessagingMobile WebMobile App
Check account balances




View recent transactions




Transfer funds to eligible accounts




Locate an ATM




Map directions to the closest ATM




Find a Branch location and run directions




Financial Calculators




Use it for free




Set it up with ease




Access accounts with as much security as Online Banking




Bill Pay




Mobile Banking Security
What you can do

Update your mobile devices

Mobile devices are essentially small computers with software that needs to be kept up to date just like on a PC or laptop. Make sure all the mobile devices in your house (including laptops, tablets, and smartphones) have the latest security protection. This may require updating your devices with a computer. Check the website of your devices manufacturer or mobile carrier for the latest software updates.

Guard your personal information

Protect your phone or tablet device just as you would your computer. Secure your mobile device by using a strong passcode and be cautious of the sites you visit and the information you release.


Think before you download an app

Before you download an application (app) on your device, review the privacy policy and understand what specific data the app can access. Only download apps from reputable sources.

Protect your money

When banking and shopping on your mobile device, check to be sure the sites are secure. Look for web addresses with https: in the address. This means the site takes extra measures to help secure your information. Many sites now feature a color-coded browser. If you see a green highlighted browser, this is a safe site. However, yellow and red sites should be avoided.

When in doubt, don’t respond

Fraudulent texting, calling and voicemails are on the rise. Just like fraudulent email, requests for personal information or a call for immediate action are almost always a scam.

Mobile Deposit

Make life simpler with Mobile Deposit. With two quick pictures you can have your paper check deposited into your account faster than ever before. Sign your check as it is written on the front of your check and write “For Mobile Deposit Only” or check the box “For Mobile Deposit Only” and follow any instructions written on back of check. This service is free to our customers. Use our mobile app today to get started!

Mobile Wallet
With the South Ottumwa Savings Bank Mobile Wallet you can leave your purse or wallet at home. Link your debit card to a supported device to make purchases easier than ever. Millions of merchants throughout the United States accept mobile payments.
  1. Have Your Eligible Debit Card And / Or Credit Card Available
    Multiple cards can be added to your digital wallet including your South Ottumwa Savings Bank Mastercard Debit Card.
  2. Add Your Eligible Debit and /or Credit Cards
    Open the digital wallet applicable to your mobile device. Follow the simple steps on your app to load your card.
  3. Pay With Mobile Device
    Simply hold your mobile device near a payment terminal and follow the steps applicable to your digital wallet type.
Apple Pay


More information on Apple Pay1


More information for Samsung Pay2

Google Pay


More information for Google Pay3

Digital Wallet Terms and Conditions


1Apple Pay and Touch ID are trademarks of Apple, Inc. registered in the U.S. and other countries

2Google Pay is a trademark of Google, Inc.

3Samsung Pay is a trademark of Samsung.


Online Banking

With this service you can:

  • Check account balances
  • Review your statements
  • Reconcile your accounts
  • Transfer money between accounts
  • Make loan payments
  • Print an activity statement

Apply Online

Online BillPay

Allows you to pay utility bills, make mortgage payments, insurance payments and other regularly scheduled payments, online. You must be registered for online banking to access this service. Paying bills has never been so easy and convenient!

  • Schedule recurring payments to be automatically deducted from your account monthly, bi-monthly, quarterly, or annually.
  • Schedule future payments.
  • Make one-time payments…just like writing a check.
  • Some fees may apply for special services. Ask a deposit service advisor for details.

  1. Go to Menu
  2. Choose Move Money
  3. Select Pay A Bill
  4. Add in your payee information

We also offer spin money which is person to person payments using online or mobile banking to send money quick and secure. Do you need to send money fast? Person to Person payments is an easy way to send your kids money or pay your friend for dinner.

Get rid of those pesky apps that charge you a percentage of what you are sending or receiving and get P2P today! Ask our staff about how to get started.

Safe Deposit Boxes

Various sizes are available at 320 Church Street, Ottumwa, IA; 2525 North Court, Ottumwa, IA; Hedrick Bank (Office of South Ottumwa Savings Bank), 101 Main Street, Hedrick, IA.

The contents of Safety Deposit Boxes are NOT covered by FDIC Insurance.

3x5 $20
5x5 $30
3x10 $30
5x10 $40
10x10 $65
ItemService Charge
Late Payment Fee - 60 days past due $10
Lost Key Fee $15
Lock Drilling Fee $175

Albia and West Liberty locations have various box sizes available. Check your local branch for more information.

Resource Center

Many resources are available to assist you in conveniently locating financial information


Bank Account FAQs

When using the Bill Payment option how is the transaction completed?

We process our customer’s requests for bill-pay via ACH & paper checks. We advise that you complete the transaction in the same manner you would if you were writing the check by allowing up to 10 days for mailing.

What is the daily limit for a debit card?

Our standard daily limits are $310.00 ATM withdrawal and $1000.00 Point of Sale.

What does it take to open a checking or savings account?

Sufficient info to verify your identity, 1 form of ID, and opening deposit amount.

If I have a checking account and a loan with South Ottumwa Savings Bank can I make an automatic loan payment?

We do offer options for automatic payments, you may set up a transfer from your checking account to your loan using our Online Banking, or you may stop in the bank and sign up for an automatic loan payment.

How long does it take to get a debit card?

Approximately 10-14 business days. We also offer instant issue debit cards per qualifications.

How do I reorder checks?

You can order checks by calling 1-800-653-2080 or visit Main Street Check Online. Main Street Check Ordering

How do I stop a check if it’s been lost or stolen?

You may come into the bank to fill out the stop payment order or you may submit a stop payment order using our Online Banking.

Call 1-800-831-4766 or 1-800-653-2080 or you can use our Online Banking.

How can I sign up for Online Banking?

We offer a couple of quick, simple ways to sign up. On our website you may fill out the Online Banking application under Help > New User. After verification of your application you will receive an email from to complete your enrollment. You may also call our Deposit Service staff or visit the bank.

How can I find out if a check has cleared my account, what my account balance is, or how much my Direct Deposit is?

You can call our On Call Banking 1-800-831-4766 or 1-800-653-2080 or you can use our Online Banking.

Will I be notified when my statement is available?

Yes, by signing up for an eStatement a notification will be e-mailed to you when your statement is ready to be viewed in our Online Banking.

Will I get a charge using an ATM?

We do not charge when one of our ATM’s is used, although other banks can charge if you use their ATM. We do charge $1.00 per transaction when another bank’s ATM is used.

Trust Department FAQs

Will my living trust avoid income taxes?

No, the purposes of creating a revocable living trust are to avoid conservatorships, probate, and to reduce or eliminate federal estate taxes. It is not a vehicle for reducing income taxes.

What is a trust?

A revocable living trust is a complete will substitute. It can control all of your assets during your life and after your death. When you set up a living trust, you must transfer the title of your assets including stocks, bonds, certificates of deposit, real estate, etc., from your personal name into the name of your trust. The assets titled in the trust name will not go through probate.

Is a living trust only for the rich?

No, while a living trust is not necessary for every person it can help anyone who wants to protect his or her family from unnecessary probate costs, attorney’s fees, executor’s fees, and court costs, or who needs to protect a beneficiary’s interest from ex-spouse’s, other creditors, disability or financial mismanagement.

How much do you charge to manage my account?

Our standard trust fee is a percentage of the total market value of your assets.

Can I change the terms of my living trust?

Yes, while you are alive and competent you can alter your living trust or even revoke it at any time.

Can I act as my own trustee?

Yes, if you are competent to handle your affairs now, you certainly may act. It is a good idea to name a successor trustee in the event of incapacity or death.

Investment Service FAQs

Do you provide Certificate of Deposit rate quotes?

Yes we do! Please call, stop in or email us and a Personal Banker of South Ottumwa Savings Bank will quote current CD rates.

Routing # 073900690

NMLS # 769763

Mobile Apps

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Quick Links

Consumer Alerts


Main Street Check Ordering

If this is your first order with Main Street Checks, please call the bank at 1-800-653-2080.

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Branch Locations