Online Banking

Enroll in Online Banking at Security State Bank

New Online Banking & Mobile App

Security State Bank has upgraded to a new and more secure online and mobile banking system.

Get our Mobile App at the Apple App Store

Get our Mobile App at the Google Play Store

Existing usernames and passwords will not change (some exceptions will apply). If you were already using SSB’s online banking, use your existing username and password to log in on the new system. If you are having issues getting logged in, contact us right away.

Discontinue using old bookmarked or saved online banking shortcuts. Access the new online banking from our website.

Download the new mobile app from Google Play or the App Store. To find the app, search “SSB - Radcliffe”

Discontinue using the old TouchBanking mobile app

Existing Bill Pay system will move to the new online banking. Your saved companies will still be in the system and any scheduled bill payments will continue to process.

The new system features multi-factor authentication for more secure access and notification emails when user information is changed.

Online Banking Registration

Before you can register for Security State Bank Online Banking you must read and agree to the following terms and conditions. Click the button at the bottom of the page to sign up.

Security State Bank Online Banking Agreement

Please read this Agreement carefully and keep a copy for your records.

I/We understand that I/we am/are the only individual(s) authorized to use Online Banking and that use of Online Banking signifies agreement to the terms and conditions set forth in this Online Banking Agreement & Disclosure which has been furnished to me/us. I/we understand that such services will be linked to my/our accounts as indicated in my enrollment. I/we acknowledge that I/we have read this Disclosure and agree to be legally bound by the terms and conditions of this Disclosure as well as any changes made from time to time. I/we understand that the provision of the Online Banking Services is our sole discretion. I/we understand account security is controlled by the Online Banking User ID assigned to me/us. I/we will protect my/our Online Banking User ID and Password and will hold the bank harmless from any unauthorized use. Any information downloaded by me/us becomes my/our property and responsibility.

1.  The Service

This agreement is in consideration of the Online Banking service ("Service") to be provided by Security State Bank ("the Bank") to its customers. In this agreement, "the Customer" refers to the person(s) or companies subscribing to or using the Service. The Customer may use a Personal Computer ("PC") through an Internet connection to obtain account balances and transaction information. The Customer may also use its PC to obtain statements on its accounts and to transfer money between its accounts.

Alterations and Amendments

Security State Bank reserves the right to modify this Agreement and the applicable fees and service charges at any time, effective upon 30 days prior notice to you via postal letter to the last address you have given us, e-mail message, or as posted when accessing the Service, unless an immediate change is necessary to ensure the security of the Service. Further we may revise or update the applications, services, and related material, rendering all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions and applications, services, and related material and limit access to only the Service's most recent revisions and updates. Use of the Service or attempting to connect to the Service, constitutes your agreement with these corresponding terms, conditions, instructions, and any modifications.

2.  Your User ID and Password

Each individual who has access to Security State Bank Online Banking, including each individual named on joint accounts or corporate accounts, must designate a User ID and Password. The Bank may accept as authentic any instructions given to it through the use of the Customer’s User ID and Password. The Customer agrees to keep its User ID and Password secret and to notify the Bank immediately upon the Customer discovering its User ID or Password is lost or stolen or if the Customer believes someone else has discovered its User ID or Password. The Customer agrees that if it gives its User ID or Password to someone else, the Customer is authorizing them to act on its behalf, and the Bank may accept any instructions they give the Bank to make transfers or otherwise use the Service. Online Banking Service enables the Customer to change its Password. The Bank may be liable for certain security breaches to the extent required by applicable law and regulation; however, the Bank does not assume any other liability or otherwise guarantee the security of information in transit to or from the Bank’s facilities.

The Bank reserves the right to (1) monitor and/or record all communications and activity related to the Service; and (2) require verification of all requested transfers in the manner the Bank deems appropriate before making the transfer (which may include written verification by the Customer). The Customer agrees that the Bank’s records will be final and conclusive as to all questions concerning whether or not the Customer’s User ID or Password was used in connection with a particular transaction. If any unauthorized use of the Customer’s User ID or Password occurs, the Customer agrees to (1) cooperate with the Bank and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by the Bank in recovering any unauthorized transfers of funds.

3.  Recurring Transfers

Recurring transfers are those made for the same amount and are made weekly, bi-weekly, monthly, etc. Once started, recurring transfers will be made automatically until the Customer notifies the Bank to stop or cancel the service. Recurring transfers initially set up through online banking can be cancelled through online banking. Recurring transfers initially set up at a branch location need to be cancelled by notifying the Bank in writing at least three business days before the scheduled date of the transfer.

4.  Statements

All payments and transfers made with the Service will appear on the Customer’s monthly account statement. The amount and date of the transaction will be shown for each transaction made through the Service during that month.

5.  Equipment

The Customer is solely responsible for the equipment (including, in the case of Online Banking, the Customer’s personal computer and software) it uses to access the Service. The Bank is not responsible for errors or delays or the Customer’s inability to access the Service caused by the Customer’s equipment. The Bank is not responsible for the cost of upgrading the Customer’s equipment to stay current with the Service, nor is the Bank responsible, under any circumstances, for any damage to the Customer’s equipment or the data resident thereon.

6.  Business Days

The Service is available 24 hours a day, seven days a week, except during maintenance periods, for the scheduling of transfers. Transfers will be completed only on business days (Monday through Friday – holidays not included). Transfers submitted after 6:00 pm Central Time will be posted the next business day.

7.  Confidentiality

The Bank may disclose information to third parties about the Customer’s account or the transactions made by the Customer:

  1. Where it is necessary for completing transactions or resolving errors involving the Service; or
  2. In order to verify the existence and condition of the Customer’s account for a third party, such as a credit bureau or a merchant; or
  3. In order to comply with government agency rules, court orders, or other applicable law; or
  4. To the Bank’s employees, service providers, auditors, regulators, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law; or
  5. If the Customer gives permission to the Bank.

8.  Termination

If the Customer wants to terminate access to the Service, the Customer agrees to call one of the Bank’s local branches.

After receipt of the Customer’s call, the Bank may send a written termination authorization to the Customer for the Customer’s signature. The Customer will need to sign the termination agreement and return it to the Bank.


The Bank reserves the right to terminate the Service, in whole or in part, at any time with or without cause and without prior written notice to the Customer. In that event, or in the event that the Customer gives the Bank a termination notice, the Bank may (but is not obligated to) immediately discontinue making previously authorized transfers, including recurring transfers and other transfers that were previously authorized but not yet made. The Bank also reserves the right to temporarily suspend the Service in situations deemed appropriate by the Bank, in its sole and absolute discretion, including when the Bank believes a breach of system security has occurred or is being attempted. The Bank may consider repeated incorrect attempts to enter the Customer’s PIN or password as an indication of any attempted security breach. Termination of the Service does not affect the Customer’s obligations under this Agreement with respect to occurrences before termination.

9.  Limitation of Liability

Except as otherwise provided in this Agreement or by law, the Bank is not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by the Service or the use thereof or arising in any way out of the installation, operation, or maintenance of the Customer’s PC equipment.

10.  Waivers

No waiver of the terms of this Agreement will be effective, unless in writing and signed by an authorized officer of the Bank.

11.  Assignment

The Customer may not transfer or assign its rights or duties under this Agreement.

12.  Governing Law

The laws of the State of Iowa shall govern this Agreement and all transactions hereunder. The Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.

13.  Indemnification

The Customer, in consideration of being allowed access to the Service, agrees to indemnify and hold Security State Bank harmless for any losses or damages to the Bank resulting from the use of the service, to the extent allowed by applicable law.

14.  Security Procedures

By accessing the Service, the Customer hereby acknowledges entering a protected web site owned by the Bank, which may be used only for authorized purposes. The Bank may monitor and audit usage of the System, and all persons are hereby notified that use of the Service constitutes consent to such monitoring and auditing. Unauthorized attempts to up-load information and/or change information on these websites are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986.

The Bank utilizes several levels of security within its security framework. User Level deals with cryptography and Secure Sockets Layer (SSL) protocol, and is the first line of defense used by all customers accessing the Bank’s Banking Server from the public Internet. The Server Level will focus on firewalls, filtering routers, and the Bank’s operating system. Host Level deals specifically with the Bank’s Internet banking services, and the processing of secure financial transactions.

User Level

The Bank utilizes several components of User Level security that ensure the confidentiality of information sent across the public Internet. The first requires the Customer’s use of an SSL supported browser, such as Google Chrome, Mozilla Firefox, Microsoft Edge, or Safari. SSL is an open protocol that allows a user’s browser to establish a secure channel for communicating with the Bank’s Internet server. SSL utilizes highly effective cryptography techniques between the Customer’s browser and the Bank’s server to ensure the information being passed is authentic, cannot be deciphered, and has not been altered en route. SSL also utilizes a digitally signed certificate that ensures the Customer is truly communicating with the Online Banking Server and not a third party trying to intercept the transaction. After a secure connection has been established between the Customer’s browser and the Bank’s server, the Customer will then provide a valid User ID and password to gain access to the Bank’s services. This information is encrypted, logged by the server forming another complete physical security layer to protect the server’s information, and a request to log on to the system is processed. Although SSL utilizes proven cryptography techniques, it is important for the Customer to protect its User ID and password from others, and the Customer agrees to do so. The Customer must follow the password parameters the Bank specifies at the time the Customer signs up for an Internet banking account. The Customer also agrees to change its passwords often. Session time-outs and a limit on the number of logon attempts are examples of other security measures in place to help ensure that inappropriate activity is prohibited at the User Level.

Server Level

All transactions sent to the Bank’s Banking Server must first pass through a filtering router system. These filtering routers automatically direct the request to the appropriate server, after ensuring the access type is through only a secured browser. The routers verify the source and destination of each network packet and manage the authorization process of letting packets through. The filtering routers are designed to also prohibit all other types of Internet access methods at this point. This process is designed to block all non-secured activity and defend against inappropriate access to the server. The Banking Server is protected using an up-to-date firewall platform. This platform defends against system intrusions and effectively isolates all but approved customer financial requests. The platform also secures the hardware running the online applications and prevents associated attacks against all systems connected to the Banking Server. The system is monitored 24 hours a day, seven days a week for a wide range of anomalies to determine if attempts are being made to breach the security framework.

Host Level

Once authenticated, the Customer is allowed to process authorized Internet banking transactions using host data. In addition, communication time-outs ensure that the request is received, processed and delivered within a given time frame. Security is designed to deny any outside attempt to delay or alter the process. Further password encryption techniques are implemented at the host level, as well as additional security logging and another complete physical security layer to protect the host information itself.

User Responsibilities

While the Bank’s service provider continues to evaluate and implement the latest improvements in Internet security technology, users of the online banking system also have a responsibility for the security of their information and must always follow the directions listed below:

  • Utilize the latest versions of supported browsers. The online banking system is best viewed and is most secure when the Customer uses a supported browser.
  • Keep the Customer’s password confidential. The Customer must follow the Bank’s specific parameters for a password, and the Bank recommends the Customer change it frequently to ensure the information cannot be guessed or used by others.
  • Ensure that others are not watching the Customer enter confidential information on the keyboard when using the system.
  • Never leave the computer unattended while logged onto the online banking system. Others may approach the computer and gain access to Customer account information while the Customer is away from the computer.
  • Be sure to sign off when finished using the system to properly end the session. Once a session has been terminated, no further transactions can be processed until the system is logged into again.
  • Close the browser when finished so that others cannot view any account information displayed on the computer.
  • Keep the computer being used free of viruses and spyware. Use virus and spyware protection software to routinely check for a virus or spyware on the computer being used. Never allow a virus or spyware to remain on the computer while accessing the online banking system.
  • Report all crimes to the Bank and law enforcement officials immediately.

Following these simple security measures will help ensure interaction with the Online Banking system will be completely confidential. Security State Bank looks forward to serving your Online Banking needs both today and in the future---securely!

15.  Funds Availability

If Security State Bank places a case-by-case or a large deposit exception holds to delay availability of deposited items, we will make the first $225.00 available not later than the business day following the banking day of deposit.

Electronic Funds Transfer Agreement & Disclosures

This Agreement and Disclosure is made in compliance with Federal law regulating electronic funds transfer (EFT) services. Electronic funds transfers are electronically initiated transfers of money involving an account at the Financial Institution. The following disclosures set forth your and our rights and responsibilities concerning the electronic funds transfer. In this Agreement, the words “you” and “your” mean those who sign as applicants or any authorized user(s). The words “we”, “us” and “our” mean the Financial Institution. The abbreviation “PIN” or word “code” means a personal identification number.

Fees and Charges:

  • We do not charge for any preauthorized EFTs.
  • We will charge $20.00 for each stop-payment order for preauthorized transfers.

Liability for Unauthorized Transfers

Tell us AT ONCE if you believe your card, ATM PIN, or POS card or PIN has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within two (2) business days after you learn of the loss or theft of your card or code, you can lose no more than $50.00 if someone used your card or code without permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or code, and we can prove that we could have stopped someone from using your card or code with your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. IF you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. IF you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (515)899-2121, or write us at Security State Bank, PO Box 380, 207 Isabella Street, Radcliffe IA 50230. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission.

Business Days

For the purposes of these electronic funds transfer disclosures, our business days are Monday through Friday. Holidays are not included.


Periodic Statement

You will get a monthly checking account statement from us, unless there are no transactions in a particular month. In any case you will get a statement quarterly. You will get a monthly statement from us on your savings account if the statement includes electronic funds transfers, if your statement does not include electronic funds transfers, you will receive a statement quarterly.

Direct Deposits

If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at (515) 899-2121 to find out whether or not the deposit has been made.

Our Liability for Failure to Make Transfers

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions, we will NOT be liable for instance:

  • If, through no fault of ours, you do not have enough money in your account to make the transfer.
  • If the money in your account is subject to legal process or other claim restricting such transfer.
  • If the ATM where you are making the transfer does not have enough cash.
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transaction.
  • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.
  • There may be other exceptions stated in our agreement with you.

In Case of errors or Questions about your Electronic Transfers

Telephone us at:

  • Radcliffe   (515) 899-2121
  • Hubbard   (641) 864-2244
  • Story City (515) 733-5311
  • Zearing    (641) 487-7521

Write us at Security State Bank, PO Box 380, 207 Isabella Street, Radcliffe IA 50230.

E-mail us at:

  1. Tell us your name and account number (if any)
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.


We will disclose information to third parties about your account or the transfers you make:

  • To complete the transfers as necessary;
  • To verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant or;
  • To comply with government agency or court orders; or
  • If you give us your written permission.

Passwords or Personal Identification Number (PIN)

The password or PIN issued to you is for security purposes. The passwords are confidential and should not be disclosed to third parties. You are responsible for safekeeping your passwords or PIN. You agree not to disclose or otherwise make your password or PIN available to anyone not authorized to sign on your accounts.

Savings Account Transfers

You may make only six (6) transfers a month from your savings account or money market account. A savings account is a non-transaction account and is therefore limited in the number of transfers that can be made electronically.

Authorized transactions that can be done through the Service include:

  • Transfer money between accounts
  • Make Loan Payments
  • Review Statements
  • View specific checks that have cleared
  • View transaction history of Checking accounts
  • View transaction history of Savings accounts
  • View transaction history of Loan accounts
  • View transaction history of Time Certificates of Deposits & IRAs

SecureNow Terms and Conditions

Program: Security State Bank offers mobile access to authenticate a user over SMS. Enrollment requires identification of the user's banking relationship as well as providing a mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. This program will be on-going. Message & Data rates may apply. Users will be allowed to opt out of this program at any time.

Questions: You can contact us at 515-899-2121, or send a text message with the word "HELP" to this number: 36397. We can answer any questions you have about the program.

To Stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says "STOP" to this number: 36397. You'll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.

Terms & Conditions: By participating in Verification Alerts, you are agreeing to the terms and conditions presented here.

Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless.

Alerts Terms and Conditions

Alerts. Your enrollment in Security State Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Security State Bank account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. We may add new alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. Security State Bank reserves the right to terminate its alerts service at any time without prior notice to you.

Methods of Delivery. We may provide alerts through one or more channels (“endpoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Security State Bank Online Banking message inbox. You agree to receive alerts through these endpoints, and it is your responsibility to determine that each of the service providers for the endpoints described in (a) through (c) above supports the email, push notification, and text message alerts provided through the alerts service. Please be advised that text or data charges or rates may be imposed by your endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop alerts via text message, text "STOP" to 41952} at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in Security State Bank Online Banking. For help with SMS text alerts, text “HELP” to 41952. In case of questions please contact customer service at 515-899-2121. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Security State Bank provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Security State Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Security State Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

As alerts delivered via SMS, email, and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your alerts will be able to view the contents of these messages.

Contact Us

Thank you for choosing Security State Bank for your banking needs and you may contact your local branch any time.


Security State Bank has upgraded to a new and more secure online and mobile banking system.

Get our Mobile App at the Apple App Store

Get our Mobile App at the Google Play Store