Introducing "America's Finest"
Special Accounts for First Responders

Introducing "America's Finest," a distinguished program by SSB Bank designed exclusively for our nation's first responders. At SSB Bank, we recognize the unwavering dedication and sacrifice exhibited by these heroes every day, and America's Finest is our way of expressing gratitude. This unique initiative offers special accounts tailored to meet the specific financial needs of our valued first responders, acknowledging their exceptional contributions to the community.

As part of America's Finest, SSB Bank will showcase a "Thank You Series" that highlights our remarkable first responders. Through this series, we aim to shed light on the diverse roles of these individuals, illustrating the depth of our appreciation for their selfless service.

We invite you to stay tuned for our upcoming posts, follow us on Facebook, and join us in honoring the incredible men and women who play a crucial role in ensuring the safety and well-being of our communities.

For more information on how you can be a part of America's Finest or to explore the special accounts tailored for first responders, please contact us.

Thank you, first responders, for all that you do; your dedication does not go unnoticed.

Get More Information About America's Finest Accounts

To confirm eligibility and get your other questions answered, start by filling out the form below or contact your local branch.

First Name

Last Name 

Phone Number

Email Address

America's Finest Branch

FirefightersVeteransLaw EnforcementMilitary PersonnelActive Duty, Reserve and/or National Guard Corrections OfficersEmergency DispatchEmergency Medical ServicesOther

 

 

Click Here to Submit

Terms & Conditions:

Free America’s Finest Checking Account® Checking

Free checking account that earns high interest on your balance, plus refunds on ATM withdrawal fees.*

Details

• Free checking that pays a really high rate
  • 4.59% APY* on balances up to $15,000
  • 4.59% to 1.47% APY*  on balances over $15,000 depending on balance in account
  • 0.55% APY* if qualifications aren't met
• Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
• Link to free America’s Finest  Saver to build savings automatically
• No minimum balance requirements
• No monthly maintenance fee
• Free Online and Mobile Banking services including:
  • Free Online Banking with Bill Pay
  • Free Remote Banking (App) with Remote Deposit Capture
  • Free E-Statements
• Free Debit Card
• No minimum deposit to open

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your America’s Finest Checking Account® account during each Monthly Qualification Cycle:

• At least 12 debit card purchases (at least $5 each)
• At least 1 direct deposit or ACH transaction
• Be enrolled in and review E-Statements
• Retired Military : Need to provide DD-214
• Active: Military ID
• First responders: ID or associated credentials

If you don’t meet these qualifications, don’t worry — your account is still free, and you can still earn the base rate. Plus, you can get right back to earning your full rewards the very next cycle that you qualify.

*Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. When your America’s Finest Checking Account account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000 in your America’s Finest Checking Account account earn an APY of 4.59%; and daily balances over $15,000 earn an APY of 1.00% on the portion of the daily balance over $15,000, resulting in a range from 4.59% to 1.47% to APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your America’s Finest Checking Account account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your America’s Finest Checking Account qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.55% APY and ATM withdrawal fees are not refunded. Interest will be credited to your America’s Finest Checking Account account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. *Note: When linked to America’s Finest Saver account, the interest earned within the America’s Finest Checking Account account does not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the America’s Finest Saver account within one day. Interest is calculated and paid monthly.  This automatic transfer may cause an overdraft to your America’s Finest Checking Account account, if the account balance is less than the transferred amount when the transfer occurs.  APY = Annual Percentage Yield. APYs are accurate as of 11/16/23. APY calculations are based on an assumed balance of $15,000 + $100,000 in your America’s Finest Checking Account account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account(s) per person. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa®, America’s Finest Checking Account and  America’s Finest Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

This account is intended to be the account holder's primary checking account in which payroll transactions and spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting, and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions and not count toward earning the account's rewards. SSB Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Account holders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 3 consecutive Statement Cycles. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. An SSB Bank Official Check for the remaining balance, if applicable, will be mailed to the account holder at the address indicated on our current records. Upon termination of your America’s Finest Checking Account with  America’s Finest Saver account, any optional add-on products/services associated with this account will also be terminated at the same time. 

lf, for whatever reason the America’s Finest Saver portion of your account is closed, your account will automatically be converted to a standalone America’s Finest Checking Account account and only the America’s Finest Checking Account terms and conditions articulated within this disclosure will apply.

Free  America’s Finest Saver Account

Make saving effortless as you sweep and build your Kasasa rewards in this free, interest-earning account.

America’s Finest Checking Account checking account holders can enroll in a free  America’s Finest Saver account.  America’s Finest Saver collects and grows earned Kasasa® checking rewards every month, automatically.

Just meet your America’s Finest Checking Account checking account qualifications to have eligible earnings swept into this interest-earning account every month. There’s no monthly maintenance fee, and no minimum balance requirements. Building savings has never been so easy.

Details

• Free account that builds your savings automatically
• Links to free America’s Finest Checking Account checking
•  America’s Finest Saver balance earns a high rate
  • 4.07% APY* on all balances
  • 0.55% APY* if qualifications are not met
• No minimum balance requirements
• No monthly maintenance fee
• Free digital banking services
• No minimum deposit to open

Qualifications

Qualifying for your America’s Finest Checking Account rewards automatically qualifies you for the highest  America’s Finest Saver rate. Enrollments must be in place and all of the following transactions and activities must post and settle to your America’s Finest Checking Account account during each Monthly Qualification Cycle:

• At least 12 debit card purchases (at least $5 each)
• At least 1 direct deposit or ACH transaction
• Be enrolled in and review E-Statements
• Retired Military : Need to provide DD-214
• Active: Military ID
• First responders: ID or associated credentials

It really is easy. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base rate on  America’s Finest Saver. And you can get right back to earning your full rewards the very next month!

*Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. When your linked America’s Finest Checking Account account qualifications are met during a Monthly Qualification Cycle, the balances in your  America’s Finest Saver account earn an APY of  4.07%. When your linked America’s Finest Checking Account account qualifications are not met, the entire daily balance in the  America’s Finest Saver account earns an annual percentage yield of 0.55% APY. Interest will be credited to your  America’s Finest Saver account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. *Note: When linked to a America’s Finest Saver account, the interest earned within the America’s Finest Checking Account account does not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the  America’s Finest Saver account within one day.  Interest is calculated and paid monthly.  This automatic transfer may cause an overdraft to your America’s Finest Checking Account account, if the account balance is less than the transferred amount when the transfer occurs. APY = Annual Percentage Yield. APYs are accurate as of 11/16/23. APY calculations are based on an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the America’s Finest Checking Account or  America’s Finest Saver account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account(s) per person. There are no recurring monthly maintenance charges or fees to open or close this account. A America’s Finest Checking Account account is required to have a  America’s Finest Saver account. A linked  America’s Finest Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa®, America’s Finest Checking Account and America’s Finest Saver are trademarks of Kasasa®, Ltd., registered in the U.S.A.

Please see a SSB Sales Associate for eligibility requirements.