Fraud Alert: Scams are on the rise. Never give anyone your digital banking login or password information. We do NOT notify our customers of potential debit card fraud by text. Always use the number listed on the back of your debit card to report or verify fraud. Setup your own alerts within Digital Banking. Be alert to unknown phone numbers, text messages and emails.
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!
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.
You may use your card at any Shazam, or Cirrus machine to get cash (up to $310 per business day).
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.
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.
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.
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!
|Service||Text Messaging||Mobile Web||Mobile 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|
|Use it for free|
|Set it up with ease|
|Access accounts with as much security as Online Banking|
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
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.
More information on Apple Pay1
More information for Samsung Pay2
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.
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.
|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.
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.
Make life simpler with one of our newer features, Mobile Deposit. With two quick pictures you can have your paper check deposited into your account faster than ever before – of course with your signature on the back and a simple “For Mobile Deposit Only” underneath you will have your money in no time. Use our mobile app today to get started!
Many resources are available to assist you in conveniently locating financial information
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.
Our standard daily limits are $310.00 ATM withdrawal and $1000.00 Point of Sale.
Sufficient info to verify your identity, 1 form of ID, and opening deposit amount.
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.
Approximately 10-14 business days. We also offer instant issue debit cards per qualifications.
You can order checks by calling 1-800-653-2080 or visit Main Street Check Online. Main Street Check Ordering
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.
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 email@example.com to complete your enrollment. You may also call our Deposit Service staff or visit the bank.
You can call our On Call Banking 1-800-831-4766 or 1-800-653-2080 or you can use our Online Banking.
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.
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.
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.
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.
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.
Our standard trust fee is a percentage of the total market value of your assets.
Yes, while you are alive and competent you can alter your living trust or even revoke it at any time.
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.
Yes we do! Please call, stop in or email us and a Personal Banker of South Ottumwa Savings Bank will quote current CD rates.