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| Checking & Savings FAQs |
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The money is deducted from your account on the scheduled payment send date.
Imaged checks are considered legal proof of payment. Maintain your images easily in our complimentary SNB statement binder provided to you at account opening or view and print check images via SNB DirectBanker®
Yes. ExpressLine 24 gives you many options to access your loan and deposit information, as well as make transfers and even receive a faxed statement.
Balancing you account every month is the only way that you can assure that all of your transactions were recorded properly to your account. It is imperative that you balance your account upon receipt of your statement. Learn how to balance your statement by viewing the simple instructions on the back of your SNB statement.
It is your responsibility to maintain a current address on any financial accounts. SNB makes it easy: - Online banking customers may use the form in SNB DirectBanker®
- You may visit one of our lobbies or offices in person.
- You may send a signed letter to state your address change to:
Attn: Address Change, SNB, PO Box 1988, Stillwater OK 74076
For your protection an address change made over the phone will also require written documentation of the change.
Generally, the first $100 of your deposit will be available to you immediately on the same business day the bank receives your deposit. The remaining funds will be available on the first business day after the day we receive your deposit. If you make a deposit to an ATM identified on the exterior with the name "Stillwater National Bank & Trust Co." before 6:00 p.m. on a business day, you will have at least $100 availabe to you that same business day, with the rest available the next business day. If a cash back amount was requested at time of deposit, the amount available will be $100 minus the cash back amount requested.
As a general policy, your funds will be available by no later than the fifth business day after your deposit is received. It could be less than 5 days if the check is drawn on an SNB account, is a government or bank check, or the check is drawn on a local bank.
No, in fact we encourage you to always utilize your SNB account wherever your career or travels take you. Electronic banking and the services we offer make your account accessible 24 hours a day. As long as your account has activity you will have the convenience of avoiding any dormant account fees. If you have to close your account simply write a letter to the address below stating your account number, listing any outstanding checks, when you want it closed, and where and how to send you any money left in the account.
Stillwater National Bank
Attn: Close Account
PO Box 1988
Stillwater OK 74076
It is imperative if you feel that your card has been lost or stolen that you immediately contact SNB. If calling during normal business hours, call 405.372.2230 and ask for the ATM department. Our after hours emergency toll free number, 1.800.554.8969 can be of assistance 24 hours a day.
A statement is a record of the transactions made to your account during a time period, usually 30 days. Your deposits, withdrawals (checks, ATMs, POS, or CheckCard) or fees assessed to your account will be listed on your statement. Use your statement to ensure that all of your transactions are properly recorded to your account.
ExpressLine 24 is a convenient way to get information on your account balance, deposits, withdrawal, and transfer money from one SNB account to another via the telephone. It is a free service and can be accessed 24 hours a day, seven days a week with any touchtone phone. ExpressLine 24 gives you the freedom to bank anywhere you go.
A minimum daily balance is the minimum amount you must maintain in your account each day. Average daily balance takes the balance in your account daily, combines it and then divides it by the number of days in that statement cycle. (Your account could drop as low as $100, but your average daily balance could still be at $500.) Typically an average daily balance is easier to maintain than a minimum daily balance.
If funds are available, you can make cash withdrawals and transfers from one SNB account to another. You may also make deposits and transact balance inquiries at most SNB ATM machines. Non-SNB and cash dispense machines may have limited service.
When an SNB customer uses an ATM other than an SNB ATM, two separate fees will generally be charged to the customer's account. A non-SNB ATM fee will be charged to offset the network expense of using the ATM. Recently many banks have also begun charging a customer convenience fee as well. The bank that owns the ATM that was used charges the fee to the account.
Yes, SNB checking account customers can mail their deposits to:
Stillwater National Bank
PO Box 1988
Stillwater, OK 74076-1988
Deposits received through the mail will be posted to your account within one business day of receiving the deposit. A receipt will be mailed to you the day the deposit is processed. Self-addressed envelopes are available for your convenience.
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