Personal Checking
Shelby State Bank offers you options with simplicity for the checking account that serves you every day.
Freedom Checking Accounts
All Freedom Checking accounts include a free ATM debit card, no-fee SSB ATM transactions, free online banking and billpay, free mobile banking and billpay, free mobile deposit, free telephone banking, unlimited check writing and some require no minimum balance and have no monthly fees.
For faster access to your paycheck, get Direct Deposit by printing out this card and providing it to your employer!
We are at your service and welcome you to stop by any of our branch offices to open a new account. If you prefer, you can set an appointment ahead of time and we will have everything you need waiting for you! Call the office of your choice today!
Compare your options below.
Scroll right to compare accounts.
| Checking Accounts | Freedom | Freedom Plus | Freedom Ultra | Health Savings Account |
| Minimum deposit to open | $50 | $50 | $50 | $100 |
| Monthly service charge | $0 | $8, fee is waived if maintaining $500 balance for monthly cycle | $12, fee is waived if maintaining $2,500 balance for monthly cycle | $0 |
| Monthly Paper Statement Fee | $3, fee is waived with e-statement enrollment | $3, fee is waived with e-statement enrollment | $3, fee is waived with e-statement enrollment | $3, fee is waived with e-statement enrollment |
| Earned interest | N/A | Competitive rates for balances above $500 | Tiered rates for balances above $2,500 | Tiered based on average daily balance |
| Overdraft Privilege | $300 limit | $500 limit | $700 limit | N/A |
| Free ATM/Debit Card and SSB ATM Transactions | YES | YES | YES | YES |
| Free Internet, Mobile and Telephone Banking & Billpay | YES | YES | YES | YES |
| Free Mobile Deposit | YES | YES | YES | YES* |
| Free Money Orders and Cashier’s Checks | NO | YES | YES | NO |
| Check Writing | Unlimited | Unlimited | Unlimited | Unlimited |
| Plus: | First box of specialty checks FREE | FREE specialty checks | ||
| *Limitations may apply | ||||
SSB ROUTING NUMBER: 072411708
ATM/Debit Cards
All Freedom Checking accounts are accessible via ATM/Debit card. To order your ATM/Debit Card, please stop in or call your local Shelby State Bank office.
Overdraft Privilege
To protect you from the cost and inconvenience of declined debit transactions and returned checks, Shelby State Bank offers Overdraft Privilege with each Freedom Checking account. For a fee per occurrence, Overdraft Privilege may cover overdrawn transactions up to the specified limit.
FDIC Deposit Insurance
All Shelby State Bank deposit accounts are insured up to $250,000 by FDIC.