State Savings Bank

Online Banking Customers: Check your e-mail for a message from sent 8-24-22 to all online banking
customers regarding a
major change coming Oct. 24. If you did not receive an e-mail, click here to learn more .

Mobile Banking

Photo of a young boy hugging his father while he banks from his mobile device.

Mobile banking is like having a branch in your pocket! With State Savings Bank's mobile banking app, you can access your accounts anytime, and anywhere!* 

Use the app to:

  • Access your account balances and transaction information
  • Deposit checks
  • Find branch locations and ATM's
  • Pay bills through our Bill Pay
  • Transfer funds between accounts
  • Quickly calculate mortgage payments
  • View statements

You must be enrolled in our online banking before accessing mobile banking. Click here for instructions.

*Access to your accounts via the mobile app may be unavailable in certain foreign countries.

Download the State Savings Bank Mobile App

The ssb mobile app is available for both iPhone and Android users.

Apple Users

There are multiple ways to find our app.

  1. Click on Apple Badge below:
    Available on the App Store
  2. Search "State Savings Bank" in the Apple Store
  3. Head to the Apple Store
  4. Scan the below QR code on your phone:
    QR Code for Apple Store

Android Users

Methods for finding the Android app.

  1. Click on the Android Market Badge below:
    Android App on Google play
  2. Search "State Savings Bank" in the Android Market
  3. Visit the Google Play store
  4. Scan the below QR code on your phone:
    QR Code for Google Play Store

Depositing a Check from Your Mobile Phone

The ability to submit a check for deposit from your mobile phone is built in to the State Savings Bank app. To use mobile deposit, you must be a current State Savings Bank customer with a checking or savings account. Generally, you need to have been a bank customer for at least 90 days. Your loan and deposit accounts must be in good standing, which includes but is not limited to, no insufficient and returned check activity and no return deposit Items. You must also be enrolled in online banking and have a compatible mobile device with Internet access.

Understanding Mobile Deposit "Do's" and "Don'ts"

Before you apply for mobile deposit, make sure you meet the requirements above and then review the documents listed below. They detail everything you'll need to know to use the feature successfully, including common errors to avoid! 

Mobile Deposit User Agreement
What You Need to Know about Mobile Deposit
Mobile Deposit Definitions

Applying for Mobile Deposit

To apply for mobile deposit, login to the ssb app, tap the menu icon and tap Mobile Deposit. The Mobile Remote Deposit Enrollment form appears. Fill out the requested information and click Enroll. A popup appears asking you to agree to the Mobile Deposit Terms described in the links above. (You can re-review these links on your phone by clicking the More Information menu.) Click I Agree and another popup appears indicating your enrollment has been successfully submitted. Once the application is reviewed and approved by the bank, you'll receive a notification that your enrollment request was approved. You should typically receive an approval notification in one or two business days.

Adding or Removing Deposit Accounts to Mobile Deposit

When you initially enroll in mobile deposit, you can only enter one account number. However, you can request all your accounts be made available for mobile deposit by contacting the bank. You may do so by calling your local branch, 641-227-3161 for Baxter and 515-457-9533 for West Des Moines, and indicating which accounts you want added. If you later change your mind or close an account, call the bank and we can remove it from your app.

Mobile Deposit Policies

Our policy is to make funds from your mobile check deposits available to you on the first business day after the day we receive your deposit. For determining the availability of your mobile deposit, everyday is a business day, except Saturdays, Sundays, and federal holidays. Checks deposited via the service by the Bank’s stated 3:30 p.m. CST deadline will be considered deposited on that business day. Otherwise, we will consider that the deposit was made on the next business day we are open.  Longer delays may apply as described in the disclosure you received when you opened your deposit account.

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