Personal Accounts for Checking, Savings and CDs
The best combination of rates and service you can find.
Up to
5.12% APY*
on Free Kasasa Cash® Checking
SSB Bank's checking and savings accounts are designed to give you easy access to managing your finances, saving for the future, and growing your wealth. All features of the checking and savings accounts are free of charge.
Checking Accounts
Choosing the right checking account is important for managing your finances efficiently. We offer a variety of checking accounts, each with key features and benefits. Use the comparison below to find the account that best suits your needs.
| Free Kasasa Cash® Checking | Free Kasasa Cash Back® Checking | Everyday Free Checking | On-Board Interest Checking | |
|---|---|---|---|---|
| Best for | Earning a really high rate on your balance (with no monthly fee) | Free checking that pays you for using your debit card | Meeting Basic Checking Needs, (with no monthly maintenance fee) | Covers Basics + Earns Interest, (monthly fee waived with $2,500 balance) |
| Features | Earns rewards every month!
| Earn rewards every month!
| Offers all the basic checking needs without hidden fees or hassles | Earns competitive, tiered interest rates depending on your account balances |
| Monthly Fee | None, ever. | None, ever. | None, ever. | $10 (waived with $2,500 min balance) |
| Free ATMs | Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)† | Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)† | Competitor ATM fees worldwide will be reimbursed† | Competitor ATM fees worldwide will be reimbursed† |
| Free Online Banking & Bill Pay | Yes | Yes | Yes | Yes |
| Free Debit Card | Yes | Yes | Yes | Yes |
| Minimum Monthly Balance | None | None | None | $2,500 |
| Additional Features |
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*APY = Annual Percentage Rate
†Terms and Conditions apply. See more Kasasa Cash® account details here.
Some restrictions apply. Contact staff for details.
Not sure which account is best for you?
Savings Accounts
Choosing the right savings account is important for building and managing your savings effectively. Use the comparison below to find the account that best suits your financial goals. Not all accounts are the same, but they all come with SSB personal service.
| Free Kasasa Saver® Savings | Passbook Savings | Money Market Savings | Premium Money Market Savings | Christmas Club | |
|---|---|---|---|---|---|
| Type | A special savings account from the Kasasa® family that offers a very high rate with some qualifications | A traditional savings account | An account similar to your traditional savings account, but with a higher interest rate | A step above the rest, in all respects, including the interest rates | A seasonal passbook account with one of our highest rates of interest |
| Minimum to Open | $0 | $0 | $100.00 | $1,000.00 | $100.00 |
| Minimum to Earn Interest | $0 | $0 | $2,500.00 | $2,500.00 | $100.00 |
| Requirements | Must also have either a Kasasa Cash TM or Kasasa Cash Back TM account, and fulfill those monthly requirements to earn disclosed interest rate | None | None | Must have a checking account and a direct deposit setup with the SSB Bank | None |
| Monthly Fee | $0 | $0 | $0 | $0 | $0 |
| Interest Type | Variable Rate To see rate details, please view our Kasasa Saver page | Tiered Interest Rate To see detailed rate tiers, please view our Rates page. | Tiered Interest Rates To see detailed rate tiers, please view our Rates page. | Tiered Interest Rates 2 To see detailed rate tiers, please view our Rates page. | To see detailed rates, please view our Rates page. |
| Additional Features | Access to online and mobile banking through our app to check your account balances, history, etc. | Receive a passbook to track your account balance and history Access to online and mobile banking through our app to check your account balances, history, etc. | Access to online and mobile banking through our app to check your account balances, history, etc. | Access to online and mobile banking through our app to check your account balances, history, etc. | Receive a passbook to track your account balance and history Deposit up to $500 each month from November 1st of the current year until October 31st of the following year |
| Open Account | Open Account | Open Account | Open Account | Open Account |
Not sure which account is best for you?
CD Specials
A CD account is a Certificate of Deposits. CDs are a great tool to invest your money for specific periods of time to achieve a higher return on interest. Our CDs range from terms as short as 91 days or to terms as long as 10 years.
Why Bank with SSB
We aren't kidding when we say that you won't find a better combination of rates and service anywhere else. With SSB, you get all the security and features you might find at a larger bank plus the added feeling that your bank knows who you are and cares about you.
- No Hidden Fees
- Reimbursement of Competitor ATMs Worldwide
- Full Featured Online Banking
- Mobile App for Anywhere Banking
- Access to the Latest Digital Banking Tools including Apple, Samsung and Google Pay
Don't just take our word for it. Check out some of our Google Reviews!
My family has two mortgages and three car loans with the bank. Each time we made a new auto or home purchase, we got multiple quotes and SSB bank always offered the best rate! Our last mortgage was on a quick close, and they kept pace with the aggressive timeline and we closed in a month! Additionally, we've found the ad hoc customer service to be excellent. For example, I called with an online banking question, and Brian resolved it within 10 minutes. Awesome service with a "personal touch"Bethany Beal
The best bank I've used and I've banked with every major bank in the US. They have a great team of people, offer the best interest rate on deposits as well as loans and are as easy as possible to work with!Michael Tanzer
Very professional and kind.Angie Pruchnik
Let Us Help
Questions about what account would be best for your banking needs? Fill out the form below and we will have one of our staff members get in touch with you!
