What is a Substitute Check?

A substitute check is an official image and the legal equivalent of a paper check (original) as long as it includes the following statement:

“This is a legal copy of your check.  You can use it the same way you would use the original check”. (more…)

What to do if your State Bank debit or credit card gets lost, stolen or has fraudulent charges:

Use your Visa debit card or Visa credit card with confidence wherever you shop. You have zero liability on unauthorized purchases if you notify the bank in a timely manner.

Lost or Stolen Cards

If you believe your Card and/or PIN has been lost or stolen tell us AT ONCE. Contacting us by phone is the best way of keeping your possible losses down. If you tell the bank within 2 business days, you can lose no more than $50. If you do NOT tell the bank within 2 business days after you learn of the loss or theft of your Card or PIN, you could lose as much as $500 if we can prove we could have stopped the transactions. (more…)