S & C Bank

I have two checking accounts. Can I get No Bounce Advantage on both?
Yes. If you have multiple accounts for your household, you may have a limit on all eligible accounts.

What is Check 21?
On October 28, 2004, the Check 21 law went into effect which has redefined check clearing. It allows banks and merchants to replace paper items with digitized images and information. After a period of time, the paper items are destroyed. Its main impact is that checks now clear much quicker than in the past.

What requirements/items do I need to open a checking account?
In order to complete the application process, an S&C Banker will need to see the following items:

1. Primary ID
-Drivers License
-Military ID
-Passport
-State ID Card

2. S&C Bank also requires all signers on the account to sign a signature card to complete the process. S&C Bank holds the signature card on file for signature verification purposes. If the primary account holder is a minor (under age 18) a secondary account holder over the age of 18 will need to be on the account. The secondary account holder, who is over the age of 18, will need to bring a current photo ID.

You can do this in person or start by clicking here to start online and save some time.

Why do some of the checks I write go through my account as an ACH?
Some businesses choose to send your check through as an ACH instead of a paper document because it helps your check clear quicker (so the merchant receives credit for the money sooner). It may also reduce their transaction fees with their bank because it is less expensive than handling a paper document.

How do I order checks?
Call or stop in and speak with an S&C Banker for assistance with check orders.

How do I re-order checks?
You can now re-order your checks over the phone or on-line if there is no change to your last order. The phone number is 1-877-838-5287. To order checks online, click here

How am I billed for my checks?
The check order amount will come out of your account automatically. The debit will show up on your statement.

Why is the Instant Cash & Check Card better than writing checks?
It is much more convenient than writing out a complete check- simply present your card, sign or enter your PIN and be on your way. No more hassles with two forms of identification or waiting for check approval. The Instant Cash & Check Card is accepted anywhere VISA is accepted, that makes it great for traveling!

Savings Accounts

Can I enroll CDs, IRAs or Loan Accounts for E-Statements?
You cannot enroll these accounts for E-Statement. These accounts do not receive periodic statements. Keep in mind, however; that if these accounts are currently combined on an account you’ve enrolled you will be able to view this information as you have in the past.

What requirements/items do I need to open a savings account?
In order to complete the application process, an S&C Banker will need to see the following items:

1. Primary ID
-Drivers License
-Military ID
-Passport
-State ID Card

2. S&C Bank also requires all signers on the account to sign a signature card to complete the process. S&C Bank holds the signature card on file for signature verification purposes. If the primary account holder is a minor (under age 18) a secondary account holder over the age of 18 will need to be on the account. The secondary account holder, who is over the age of 18, will need to bring a current photo ID.

You can do this in person or start by clicking here to begin the account opening process online and save some time.

Why do I have a limit of only 6 automatic withdrawals (S&C Online, EZ Banking, Phone Transfers, ACH) out of my Savings and Money Market Accounts?
This requirement is a product of federal law and was originally instituted to help banks maintain enough cash on hand for their customers. Unfortunately, it has become an outdated relic from banking before multiple locations, larger banks, and electronic transfers. We apologize for any inconvenience this regulation causes, but at this point have no choice but to comply.

IRA Accounts

Who can contribute to a Traditional IRA, and how much?
There are very few requirements to contribute to a Traditional IRA.
You can contribute if you meet the following requirements:

· are under age 70½ for the year that the contribution is being made
· have earned income from employment equal to or greater than your IRA contribution

If you satisfy the above requirements annual contribution limits are as follows including any increases previously approved by EGTRRA (Economic Growth and Tax Relief Reconciliation Act):

For Years 2005-2007: You can contribute $4,000 ($8,000 for married couples)
For Years 2008 and beyond: You can contribute $5,000 ($10,000 for married couples)
Beginning in 2009, the maximum contribution amount will be indexed for cost-of-living adjustments (COLA) in $500 increments.

Also, those that are age 50-70 can also do what is called a Catch-Up contribution. This allows people in that age bracket to contribute an extra pre-determined dollar amount above the regular contribution limit. Example: A customer is 56 years of age in 2007. That customer has the ability to contribute the normal contribution amount of $4,000 plus they could contribute an additional $1,000. Again, the customer would need to have earned income from employment that was equal to or greater than their total IRA contribution.

Are all Traditional IRA contributions tax deductible?
An immediate benefit of contributing to a Traditional IRA is the tax deduction many receive on their income taxes. IRA contributors may receive a 100% deduction on their total annual contributions if:

they do not receive benefits under an employer sponsored retirement plan, or
if they do receive benefits under an employer sponsored retirement plan their modified adjusted gross income is no more than $83,000 if married and filing jointly or $52,000 for single filers (these amounts are for 2007).

IRA deductibility is gradually phased out for those who are participants in an employer sponsored plan and are above these income levels.
As always, please consult your tax advisor regarding your situation.

What makes the Roth IRA so unique?
The money contributed to a Roth IRA is after-tax dollars. So the principle amount in the Roth IRA is never subject to taxes or penalties, as long as you stay within the contribution guidelines.
Earnings on your contributions grow tax-deferred in a Roth IRA. If you do not withdraw any of the earnings for at least 5 years from the date you opened a Roth IRA and have a qualifying event to withdraw the earnings, the tax-deferred earnings become tax-free.

Who is eligible to make Roth IRA Contributions?
There is no age limit to making contributions to your Roth IRA, unlike the Traditional which has a 70 ½ age restriction on contributions. The only thing you need to have is earned income equal to the amount you want to contribute up to a maximum amount determined each year.

Business Checking

Why is the Business Instant Cash & Check Card better than writing checks?
It is much more convenient than writing out a complete check- simply present your card, sign or enter your PIN and be on your way. No more hassles with two forms of identification or waiting for check approval. The Instant Cash & Check Card is accepted anywhere VISA is accepted. It can make traveling and entertainment much easier, help avoid large petty cash funds or carrying bulky business checks.

What requirements/items do I need to open a business checking account?
In order to complete the application process, here are some examples of what an S&C Banker will need to see at account opening:

1.
-Articles of Incorporation,
-Articles of Organization,
-Corporate Resolution,
-Business License,
-Partnership Agreements,
-Certificates of Good Standing,

2. S&C Bank also requires all signers on the account to sign a signature card to complete the process. S&C Bank holds the signature card on file for signature verification purposes.

How do I order checks?
Call or stop in and speak with an S&C Banker for assistance with check orders.

How do I re-order checks?
You can now re-order your checks over the phone or on-line if there is no change to your last order. The phone number is 1-877-838-5287. To order checks online, click here

How do I receive information or images of checks that have cleared my account?
S&C Bank offers a CD-ROM of your check images. $15.00/monthly, $30.00/quarterly, or $60.00/annually. This allows for easier access to search than paper. It is also more convenient for you and your accountant. See an S&C Banker today for details!

Business Savings

Can I enroll CDs, IRAs or Loan Accounts for E-Statements?
You cannot enroll these accounts for E-Statement. These accounts do not receive periodic statements. Keep in mind, however; that if these accounts are currently combined on an account you’ve enrolled you will be able to view this information as you have in the past.

What requirements/items do I need to open a business savings account?
In order to complete the application process, here are some examples of what an S&C Banker will need to see at account opening:

1.
-Articles of Incorporation,
-Articles of Organization,
-Corporate Resolution,
-Business License,
-Partnership Agreements,
-Certificates of Good Standing,

2. S&C Bank also requires all signers on the account to sign a signature card to complete the process. S&C Bank holds the signature card on file for signature verification purposes.

No Bounce Advantage

What is No Bounce Advantage?
No Bounce Advantage is an overdraft privilege requiring no action on your part. You do not have to sign anything. Your overdraft privilege (No Bounce Advantage limit) amount will be automatically assigned.

How does No Bounce Advantage work?
As long as you maintain your account in good standing, S&C Bank may honor overdrafts up to the No Bounce Advantage limit on your account. If you use No Bounce Advantage, you should remember the bank’s normal insufficient funds (NSF) fee of $25.00 per item for each transaction will be deducted from your limit. As in the past, the bank will notify you by mail when an overdraft occurs. No interest will be charged on the overdraft balance.

How do I know when I use the overdraft limit?
You will receive an overdraft notice in the mail each time items are paid. The notice will show the check number (if applicable), debit amount and the NSF fee. You should subtract total fees from your checkbook. Remember, the fee for paying an item is the same as for returning one.

What if I have two checking accounts. Can I get No Bounce Advantage on both?
Yes. If you have multiple accounts for your household, you may have a limit on all eligible accounts.

What if I go beyond my No Bounce Advantage Limit?
Overdrafts above and beyond your established No Bounce Advantage limit may result in checks or other debits being returned to the payee. The normal NSF fee will be charged per item and assessed to your account. An NSF notice will be sent to notify you of our actions.

What are some of the ways I may have access to No Bounce Advantage?
Generally you may access your No Bounce Advantage using the following transactions:

Checks and other debits cashed at teller windows
Instant Cash and Check or Instant Cash Card
ACH debit transactions
Checks issued to a third party
All transaction that currently are honored through your account

When I call EZ Banking to get my balance, is my No Bounce Advantage limit included?
When you call EZ Banking, your No Bounce Advantage limit is NOT stated in your available balance.

When my ATM receipt shows my balance, is No Bounce Advantage included?
No, the No Bounce Advantage is not included in the balance you see on your receipt but the funds are available for you to draw against if needed.

How quickly must I repay my No Bounce Advantage?
You should make every attempt to bring your account to a positive balance as quickly as possible. If you are not able to do so, you will receive a letter from S&C Bank informing you of the situation and your options. If after 60 days your account has not been brought into a positive balance, we will have no option but to close your account and take other steps to recover funds.

What does my No Bounce Advantage privilege cost?
There is no additional cost associated with this privilege. As stated previously, you should keep in mind that you will be charged an NSF fee of $25.00 for each item paid under the limit.

How soon can I use my No Bounce Advantage?
You may begin taking advantage of No Bounce Advantage after your account has been opened.

What is my No Bounce Advantage Limit?
Free Checking ----------------- $400
Regular Checking --------------$400
Advantage Checking ---------- $400
Interest Checking --------------$750
Platinum Plus Checking --------$750

Overdraft Protection

What is Overdraft Protection?
You can use your savings account as a protection against unwanted overdrafts by requesting overdraft protection. Once arranged, anytime your checking account falls below zero a transfer will move money in $100 increments from your savings account into your checking account. A fee of $2.00 is charged for each transfer. Overdraft Protection transfers count in the 6 transfer limitation a month for Savings and Money Market Accounts.

Who can receive the benefits of Overdraft Protection?
Any S&C Bank customer who has an active savings and checking account.

What is the cost to have Overdraft Protection?
Only $2.00 for every transfer.

How can I sign up for Overdraft Protection?
Call or stop in and speak with one of our Customer Service Representatives.

Deluxe Checks

How do I order checks?
Call or stop in and speak with an S&C Banker for assistance with check orders.

How do I re-order checks?
You can now re-order your checks over the phone or on-line if there is no change to your last order. The phone number is 1-877-838-5287. To order checks online, go to www.deluxe.com

How am I billed for my checks?
The check order amount will come out of your account automatically. The debit will show up on your statement.

EZ BANKING 888-246-9724

What is EZ Banking?
EZ Banking is a toll free number you can call to receive your balance, debit amounts and dates items cleared your account, credit amounts and dates deposits were made, and make transfers between accounts if you signed up for this option. The 6 transfer limitation applies to Savings and Money Market Accounts.

How much does EZ Banking cost?
EZ Banking is free to all S&C Bank customers.

How do I sign up for EZ Banking?
You do not need to sign up for EZ Banking unless you want to transfer from one S&C Bank account to another S&C Bank account. If you want to do transfers between your S&C Bank accounts, you will need to fill out and sign the EZ Banking application or click here to sign-up online.

Who is eligible for EZ Banking transfers?
Anyone who has two or more accounts with S&C Bank.

What is the telephone number to access EZ Banking?
1-888-246-9724

S&C Online

Who can sign-up for S&C Online?
Any customer who has an S&C Bank account.

How much does it cost to have access to S&C Online?
Using S&C Online is free! The only charge is when you use BillPay. Transfers from money market and savings accounts are limited to 6 per month.

What is BillPay?
A bill payment service. After you sign up for BillPay, you can pay your bills online!

How does BillPay work?
It’s just like filling out a check on the computer screen. You fill in the amount, payee, and memo sections, along with information about who you are paying, and we do the rest. Many companies, such as credit cards, accept the payment electronically (just like you may receive your payroll). If a company or person doesn't accept the payment electronically, a check is created and mailed using the information you provided.

How long does it take for the company to receive the payment?
For electronic payments, allow three business days for delivery, and five business days for checks.

How much is BillPay?
$4.99 plus $0.33 per payment after the first 10 payments in a month. The first three months after you sign up are free!

How do I sign up for BillPay?
Choose the BillPay option on the Online Banking application. It will take a day or two get the BillPay option activated in your S&C Online account.

How do I sign up for S&C Online?

You will need to fill out an S&C Online application and submit either by fax or in person. You can apply online by clicking here.
You will receive your login and PIN information in the mail within 7-10 days. Your login and PIN will come separately in the mail, usually a day or two apart.

What are the benefits of S&C Online?

Check balances in any of your checking, savings, Certificates of Deposit or IRA accounts.
See images of cleared checks and information on recent transactions
Interest earned and maturity date of your Certificates of Deposit or IRA account.
Payment amount, interest paid and next due date of your loan account.
Transfer money between accounts.
Pay any bill you would normally pay by check or cash to anyone, anywhere.
Secure and quick- E-Statement available.

I am locked out of S&C Online, how do I reset my ID number?
You can contact an S&C Banker at one of our convenient locations.
As a new feature, you can establish a process to reset your own password. To do that follow these steps:

Sign up by selecting the options tab from S&C Online
Fill out the secret question, secret answer and email address.
After this is done you can select pin reset from the login screen menu bar and follow the steps from there.

E-Statement

What is E-Statement?
You can enroll to receive your statements online. You will receive an e-mail alert when your statement is ready to view online. When you enroll in E-Statement, you will no longer receive your statements in the mail.

Why Choose E-Statement?

FREE!
Fast. It’s faster than receiving your statement in the mail. You will receive an e-mail alert the instant your statement is ready for viewing!
Convenient. You can copy, print, or save on a CD-ROM or on your computer right at home.
Safe. Eliminates the worry of your statement getting misdirected in the mail or worse—in the wrong hands!
Reduces Clutter. Save your statement on your computer.
Secure. You will have the same security that you enjoy now as an S&C Online Banking customer.
Back To Top

How long can I view my statement online?
The statement will be available online at least 90 days after they are made available to you. In most cases you will have access to one year’s worth of statements.

Will I still be able to see combined statements?
Yes, if you currently have more than one account combined on a single statement this will not change when you enroll for E-Statement. You will continue to see the same account information you have been used to seeing.

Can I enroll CDs, IRAs or Loan Accounts?
You cannot enroll these accounts for E-Statement. These accounts do not receive periodic statements. Keep in mind, however; that if these accounts are currently combined on an account you’ve enrolled you will be able to view this information as you have in the past.

Do I have to be enrolled in S&C Online?
You will need to sign-up for S&C Online in order to get a password and username. You do not need to use or go through S&C Online in order to get E-Statement. You will bypass S&C Online altogether when you use E-Statement.

How do I sign up for E-Statement?
Click here for enrollment information

If you are not currently an S&C Bank Online user and would like E-Statement, follow these steps:

Click here to sign up for S&C Online or stop in any S&C Bank location.
When you receive your password and login information, you may sign up for E-Statement.

What if I want to un-enroll?

Log into S&C Online Banking and select Options and then E-Statements
Uncheck the box next to the account you wish to un-enroll
Choose Submit at the bottom of the screen
Choose I Agree
You will see a message that the account was successfully disabled

What if I change my email address?

Log into S&C Online
Choose the Personal settings tab under Options
Enter in your new email address
Choose Submit

Instant Cash/Check Card

How do I sign up for an Instant Cash/Check Card?

Fill out and sign an IC&C application. If it’s a joint account, both customers need to sign. You can also submit your application here.
You will need to decide if you want an Instant Cash or Instant Cash & Check Card. (A checking account is required for an Instant Cash & Check Card)
Submit either by fax, in person at any of our convenient locations, or click here.

What is the difference between an Instant Cash & Check Card and an Instant Cash Card?
An Instant Cash & Check card can be used anywhere VISA cards are accepted. You can also use your Instant Cash & Check card at an ATM to get cash. An Instant Cash Card can only be used to receive cash at an ATM.

How many accounts can I have tied to my Instant Cash & Check Card or Instant Cash Card?
An Instant Cash & Check card must be tied to a checking account. You may have a savings account or money market account tied to it, but the savings and money market accounts cannot be used for P.O.S. (Point of Sale) purchases. When you make a purchase at a store with your ICC (Instant Cash & Check) card you are accessing your checking account. When you use your Instant Cash & Check Card at an ATM, you have access to both your checking and savings accounts tied to the card. The balance will reflect the current balance from the account you are withdrawing funds from.
An Instant Cash card can be tied to a checking account, savings account, or money market account. An Instant Cash card can only be used at an ATM for cash withdrawals, balance inquiries, and funds transfer.

When will I receive my card?

You will receive your card between 7-10 days after your application is processed.
Your PIN number will come separately in the mail, usually a day or two after your card.

How do I activate my card?

The number to activate your card is 1-888-847-3145.
You have to activate your card in order for it to work. We require you to activate your card for your protection.
The card can be activated from any touch tone phone. You will be required to enter in your PAN# (card number), then your PIN (4-digit number) and finally one of the account numbers attached to your card. If someone has stolen the card and PIN from the mail, they would not be able to activate the card unless they knew what accounts were attached to it.

Why is the balance on my ATM receipt different from what the bank’s current balance is showing?
Transactions occur at the bank and through other systems daily. Since many companies and their systems are involved, the balance may not be up to the minute.

My card was lost or stolen, what do I do?
To report a lost or stolen Instant Cash or Instant Cash & Check Card, please call one of our convenient locations or call EZ Banking 888-246-9724 and select # 3.

How do I use my Instant Cash & Check Card?
Simply present the Instant Cash & Check Card at the time of purchase (anywhere VISA is accepted). You can choose to sign or use your Personal Identification Number (PIN). The amount will be deducted from your checking account and appear on your monthly statement. If you are using the Instant Cash & Check Card at an ATM, simply enter your PIN to access your account. You can even choose your own PIN.

Why is the Instant Cash & Check Card better than writing checks?
It is much more convenient than writing out a complete check- simply present your card, sign or enter your PIN and be on your way. No more hassles with two forms of identification or waiting for check approval. The Instant Cash & Check Card is accepted anywhere VISA is accepted, that makes it great for traveling!

What is the difference between the Instant Cash & Check Card to a credit card?
With a credit card you receive a monthly bill and often have to pay interest charges for using the card. When you use the Instant Cash & Check Card, the money is deducted from your checking account- no monthly bills or interest to pay!

What will my statement look like when I use the Instant Cash & Check Card?
Each transaction will appear on your monthly statement. However, instead of only seeing a check number and an amount, when you use the Instant Cash & Check Card, you see the amount of the transaction and the date and location where the purchase was made.

If I make a deposit today, can I access that deposit using the Instant Cash & Check Card?
There may be a day or two delay before the deposit is available.

What if a store takes both ATM cards and VISA cards?
If you want cash back with your purchase, ask the cashier to use the card as an ATM and enter your PIN to receive money back. If you don’t want cash back you can complete the transaction as a VISA transaction using your signature or use your PIN as an ATM transaction.

What are the fees for an Instant Cash & Check Card or an Instant Cash Card?
The only fee with a card is a $1.00 charge when using a non S&C Bank ATM machine. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or network (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer). There are no fees to use an S&C Bank ATM or for a VISA purchase.

How do I receive the PIN number for the Instant Cash & Check or Instant Cash Card?
After your Instant Cash & Check or Instant Cash Card application is processed, you will receive your PIN in the mail a few days after your card arrives. We encourage you to visit or call S&C Bank to select your own PIN after you receive your card.

Safe Deposit Box

Who can rent a safe deposit box?
Anyone! You do not need to have an account at S&C Bank to have a Safe Deposit Box.

How many keys do I get when I open a Safe Deposit Box?
Two keys are issued with each box. There is a fee if you lose a key. Both keys need to be returned to S&C Bank when you terminate your rental agreement.

Are the contents in the Safe Deposit Box insured by the bank?
The contents in a Safe Deposit Box are not insured.

How do I open a Safe Deposit Box?
Please visit one of our convenient locations and an S&C Bank Customer Service Representative will assist you.

When do I get billed for renting a Safe Deposit Box?
Once a year you will receive a bill in the mail, or you can elect to have the payment automatically taken out of an account.

How do I set it up so the fee is automatically taken out of an account?
If you want the fee to come out of your checking or savings account, please contact one of our Customer Service Representatives.

Miscellaneous

What is Check 21?
On October 28, 2004, the Check 21 law went into effect which has redefined check clearing forever. It allows banks to replace paper items with digitized information. After a period of time, the paper items are destroyed.

Before Check 21, processing a paper check involved transportation and capture at several locations and each step in the process added time and increased fraud risk. The whole process typically took two to three days. Now a receiving bank can scan a check once and use that image to complete the clearance process eliminating the need to ship paper checks around the country for clearance and settlement.

As more banks and companies take advantage of these improvements, you will see a decrease in the time it takes a check to clear your account, (float time).

What does FDIC Insured mean?
FDIC Insurance (Federal Deposit Insurance Corporation) protects you against the loss of your deposits if an FIDC insured bank or savings association fails. FDIC Insurance is backed by the full faith and credit of the United States government. Generally, deposits are insured up to $100,000 per account holder. It is possible for much more than $100,000 to be insured for each customer or family. For more information please call an S&C Banker or visit www.fdic.gov

I believe I was a victim of identity theft, what do I do?
Visit www.ftc.gov/bcp/edu/microsites/idtheft/index.htm for detailed instructions or call an S&C Banker for assistance.

How do I know how much my savings bonds are worth?
For more information on your savings bonds go to www.savingsbonds.gov

What is the new state quarter?

State Quarter and Reference Chart

Mint Year	State	Statehood Date	Expected Release Date
2007	Montana	November 8, 1889	January 29, 2007
2007	Washington	November 11, 1889	April 2007
2007	Idaho	July 3, 1890	June 2007
2007	Wyoming	July 10, 1890	August 2007
2007	Utah	January 4, 1896	October 2007
2008	Oklahoma	November 16, 1907	January 2008
2008	New Mexico	January 6, 1912	April 2008
2008	Arizona	February 14, 1912	June 2008
2008	Alaska	January 3, 1959	August 2008
2008	Hawaii	August 21, 1959	October 2008

Why do some of the checks I write go through my account as an ACH?
Some businesses choose to send your check through as an ACH instead of a paper document because it helps your check clear quicker (so the merchant receives credit for the money sooner). It may also reduce their transaction fees with their bank because it is less expensive than handling a paper document.

Why do I have a limit of only 6 automatic withdrawals (S&C Online, EZ Banking, Phone Transfers, ACH) out of my Savings and Money Market Accounts?
This requirement is a product of federal law and was originally instituted to help banks maintain enough cash on hand for their customers. Unfortunately, it has become an outdated relic from banking before multiple locations, larger banks, and electronic transfers. We apologize for any inconvenience this regulation causes, but at this point we have no choice but to comply.

How do I get my tax information?
Your tax information is available in four places.
1. We send out 1099 statements in late January each year.
2. The information is available on S&C Online.
3. You can call 24 Hour EZ Banking at 1 888-246-9724.
4. You may call your local S&C Banker.