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Frequently Asked Questions (FAQs)

Looking for information? Click on any of the questions below. If you’d like personal input, call or visit your State Bank Banking Center. We’ll be glad to help any way we can.

Personal Online Banking


Yes. You can use any computer that has Internet access and a browser with 128-bit security. That means you can pay bills and access your account at home, at work, or from a laptop when you are out of town.


•    It is best to not use passwords that are based on personal information that can be easily accessed or guessed
•    It is recommended to not use words that can be found in any dictionary of any language 
•    Develop a clue for remembering complex passwords rather than writing them down
•    Consider using passphrases

Longer passwords, or passphrases, are more secure than shorter ones. Passphrases also allow you to use a memorable phrase. Avoid names, common phrases, famous quotations, and song lyrics.

  • Don’t reveal a password over the phone or in an email message
  • Don’t reuse the same password when required to changeDon’t use your User ID as your password
  • Don’t talk about a password in front of others
  • Don’t hint at the format of a password (e.g., “my family name”)
  • Don’t reveal a password on questionnaires or security forms
  • Don’t share a password with family members
  • Don’t reveal a password to a co-worker while on vacation
  • Don’t use the "Remember Password" feature of applications
  • Don’t write passwords down and store them anywhere in your home or office
  • Don’t store passwords in a file on a computer system unencrypted

For more information about FDIC insurance coverage of transaction accounts, visit


For a detailed explanation, see the Funds Availability Disclosure.